vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Hard Inquiries don't belong to me hasn't being authorized by me and has to be removed Also this as well. thanks XXXX XXXX - XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These Hard Inquiries don't belong to me hasn't being authorized by me and has to be removed Also this as well. thanks XXXX XXXX - XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
XXXX  XXXX XXXX XXXX is not furnishing accurate information on my credit report & file. They are still reporting that I'm disputing these accounts : GOLDMAN SACHS BANK USA XXXX XXXX XXXX XXXX ). I wrote to theses companies that I'm no longer disputing these account. XXXX XXXX XXXX XXXX is misleading new potential creditors into thinking I'm disputing these accounts by keeping those comments on my credit report and file when that is not accurate or true. I have included screenshots of my credit reports that shows the remarks for GOLDMAN SACHS BANKS USA on XXXX & XX/XX/XXXX ; XXXX XXXX XXXX on XXXX and XX/XX/XXXX. 

I reached out to GOLDMAN SACHS BANK USA ( Case # XXXX ) on XX/XX/XXXX & XXXX XXXX XXXX  ( Case # XXXX ) on XX/XX/XXXX via CFPB to inform them XXXX I am no longer disputing any information on this account at this time, due to being in the process of getting a mortgage and that the dispute wording on these accounts were preventing my loan approval. I then asked them to please remove the dispute comments with all of the credit reporting agencies, which included XXXX XXXX XXXX XXXX XXXX I have attached this initial complaint letter titled : Initial Complaint Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

GOLDMAN SACHS BANK USA responded on XX/XX/XXXX. This is part of their response, On XX/XX/XXXX, the Bank submitted a request to remove the dispute comments from the Customers credit reporting. The Customer should allow up to 30 days for the change to reflect on the credit reporting. Based on the above details, the Bank kindly requests for this complaint to be closed. I have uploaded the complete response titled : Response Goldman Sachs XXXX. Upon checking my credit report for XXXX  XXXX XXXX XXXX, it shows that they added the dispute remarks instead of keeping it off of my credit report & file ; the complete opposite of what GOLDMAN SACHS BANK USA said that they did. 

XXXX XXXX XXXX responded on XX/XX/XXXX. This is part of their resonse, The dispute removal has been completed and we report every Monday and to our understanding... it takes about 30-45 days for a reflection on your credit report. I'm sorry for any inconvenience this might have caused. I have uploaded the complete response titled : XXXX XXXX XXXX XXXX pdf. Upon checking my credit report for XXXX  XXXX XXXX XXXX, it shows that they still have the dispute remarks and have not deleted them, even though XXXX XXXX XXXX stated that they would send notice to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please see attached copy.of my ID, the FTC complaint, a copy of the XXXX  Data Breach, & a validation of debt letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As per multiple complaints in the past 1. XXXX XXXX. XXXX CapitalOne bank tried to deviate from the original commitment of {$1500.00} Bonus and instead Bank credited {$300.00} only to close this matter. I have attached the snapshot of my account creation XX/XX/year> and clearly mentioned that {$20000.00} deposit will be eligible for BONUS of {$1500.00}. I have transfered this amount from external bank to make Capital One as primary banking needs but seems the service is very dissatisfactory. 

Please note the incorrect information again provided in the complaint response says deposit {$100000.00} instead of {$20000.00} as per snapshot.

I am very much dissatisfied with very clear 3 points as below 1. Incorrect research and information provided to me leading to Bank trust issues 2. No action taken on Bank escalation procedure and moreover no option available to escalation matrix 3. Blocking my cash for way more than 90 day period which was required Attached the account opening promo code

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint and request your assistance regarding a deeply disappointing and ongoing issue I am facing with the credit reporting agencies. Despite my efforts, my credit file contains inaccurate personal information and several unauthorized credit inquiries that I did not approve, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Incorrect Personal Information My credit file currently reflects outdated and incorrect personal details. I have attempted to update this information with the credit bureaus, but my efforts have not been acknowledged or resolved. 

Please update my records to reflect the following : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I am requesting the removal of all inaccurate, outdated, or unverified addresses, names, or other identifying data that do not pertain to me. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Unauthorized Credit Inquiries Furthermore, my credit report lists multiple inquiries that I did not authorize. Under FCRA 604, a consumer reporting agency may only provide a credit report with a permissible purpose. The following inquiries do not meet that standard and were not initiated by me : XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I demand a full reinvestigation and written verification of the permissible purpose for each inquiry listed. If the agencies are unable to provide legal justification, I respectfully request the immediate removal oftheseentries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BetterNOI, LLC
State: CA

Complaint narrative:
XXXX XXXX ran a background check during a XXXX XXXX  and found a erroneous eviction reporting negative on my report, and adversely affecting my ability to get housed for me and my family. I am asking that this information be removed. I have a common name and can possibly be mistaken identity. Jurisdictions Searched ( show ) 1 eviction record ( s ) were found Eviction Record 1 Agency State CA Plaintiff XXXX * XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defendant Full Name XXXX XXXX XXXX Case Number XXXX Defendant Address XXXX XXXX XXXX ; XXXX XXXX ; CA ; XXXX File Date XX/XX/year> City, State, Zip XXXX XXXX CA XXXX Judgment Date XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XXXX/2025 TransUnion XXXX  XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX Account Number : XXXX Balance : {$6800.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXXL '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking NumbeXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank does care about the the situation which I'm going through with my family member who is a young child that has XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX ran a background check during a tenant screening and found a erroneous eviction reporting negative on my report, and adversely affecting my ability to get housed for me and my family. I am asking that this information be removed. I have a common name and can possibly be mistaken identity. 


Jurisdictions Searched ( show ) 1 eviction record ( s ) were found Eviction Record 1 Agency State CA Plaintiff XXXX * XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Defendant Full Name XXXX XXXX XXXX Case Number XXXX Defendant Address XXXX XXXX XXXX ; XXXX XXXX ; CA ; XXXX File Date XX/XX/year> City, State, Zip XXXX XXXX CA XXXX Judgment Date XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2025 To Whom It May Concern, Subject : Urgent Request for Closed Account Removal I am writing to formally dispute the reporting of a closed account on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. It is imperative that all information reported to credit bureaus is accurate, complete, and verifiable. 

The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified significant discrepancies that render this account non-compliant with Metro 2 standards : - Accuracy : The account reflects incorrect dates, balances, or status that do not match my records. This misrepresentation is not only misleading but also detrimental to my creditworthiness. 

- Completeness : The information reported on this account is incomplete, failing to provide a true picture of my financial history. This incomplete reporting further distorts my credit assessment. 

As stipulated under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be expeditiously removed. Given the clear violations of reporting standards, I insist that this closed account be deleted from my credit report within 30 days from the date of this letter. 

Failure to address this matter will leave me no choice but to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse to protect my rights as a consumer. I expect your prompt attention to this urgent matter. 

Thank you for your immediate action. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2025 To Whom It May Concern, Subject : Urgent Request for Closed Account Removal I am writing to formally dispute the reporting of a closed account on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. It is imperative that all information reported to credit bureaus is accurate, complete, and verifiable. 

The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified significant discrepancies that render this account non-compliant with Metro 2 standards : - Accuracy : The account reflects incorrect dates, balances, or status that do not match my records. This misrepresentation is not only misleading but also detrimental to my creditworthiness. 

- Completeness : The information reported on this account is incomplete, failing to provide a true picture of my financial history. This incomplete reporting further distorts my credit assessment. 

As stipulated under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be expeditiously removed. Given the clear violations of reporting standards, I insist that this closed account be deleted from my credit report within 30 days from the date of this letter. 

Failure to address this matter will leave me no choice but to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse to protect my rights as a consumer. I expect your prompt attention to this urgent matter. 

Thank you for your immediate action. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
We had to move to XXXX for my sons XXXX XXXX XXXX. I immediately rescheduled out to Cap One to let them know that i was going to be out of town and if any purchases were made they werent fraudulent they were from me. i explained the entire situation and was assured it wouldnt be an issue. In XXXX we went to a ball game where my debit card was lost. The bank closed the account since i didnt have a local branch here. well my payment from that account tried to post to cap one. It got returned for {$480.00} on XX/XX/XXXX. I made my minimum payment with a debit card of {$25.00} and no problems. I went to use my card this month and it wouldnt work. After logging in i received an account restricted code on all my cards and my bank and savings account was now closed. I reached out to them and they stated the behavior was inconsistent with normal customers. i have no clue what that means. My account closed and the payment got returned, i made a payment after this hiccup and was under no worry that there was any further issues. Its not right that someone is trying to rebuild their credit profile and did nothing wrong to be completely screwed over. I tried to reapply and am being denied now. this isnt right and its just another example of big companies doing whatever they want to those who dont have any voice. Im dealing with trying to save my sons life and i am being XXXX XXXX  by a credit card company over a returned payment from 2 months ago. All i want is my account reopened and we can continue making my payments as usual. On the early winter they just upgraded me and approved me for a XXXX card so i dont know why this had to be this way.

Company response to consumer: Closed with explanation