vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I put in major fraud disputes with all XXXX credit bureaus who have also failed to act. 

They all claim internal investigations find that no fraud was. Recently, I discovered a company on my credit profile XXXX ( XXXX XXXX ), verified it was me paying because I had a bank account connected to their platform from XXXX years ago. This company gives out lines of credit to pay off credit cards connected to it, easily targeted for fraud. Not to mention my XXXX data breaches that are still ongoing. However, that account was closed due to fraud. XXXX years ago. That same XXXX account is associated with XXXX  XXXX XXXX, and likely made payments on your platform. In addition, the XXXX  XXXX XXXX cards on my report were removed by all XXXX bureaus due to fraud. Please see all documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- - Complaint Summary : I am filing this complaint as a consumer who has been deceived by the banking practices of XXXX XXXX XXXX through their XXXX program. They promoted a " credit builder '' loan product under the false pretense that I would receive a {$10000.00} loan, or that {$10000.00} would be deposited into a savings account in my name. Instead, no funds were ever made available to me. I made monthly payments totaling over {$1000.00}, yet my account balance reflects less than {$50.00}, with pennies in interest accrued. 

XXXX XXXX XXXX program ( XXXX XXXX XXXX XXXX XXXX ) is a deliberate misrepresentation of a loan. They never disbursed real funds, yet they : Report negative payment history to the credit bureaus Charge interest and late fees on a loan that never reached me Refuse access to the supposed {$10000.00} savings account Are engaged in a strategy that creates fabricated debt, trapping consumers into paying interest on phantom funds Their actions violate the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), FTC Act, GAAP accounting standards, and international banking laws regarding transparency and fair reporting. This scheme is fundamentally deceptive and predatory.

I demand the following : 1. Immediate investigation into XXXX operations and XXXX program 2. Full deletion of this false loan account from my credit reports 3. Restitution of payments made under fraudulent pretenses XXXX. XXXX of XXXX XXXX XXXX  for systemic violations This program is being used as a tool to exploit low-income and credit-rebuilding consumers under the illusion of help. It is time to hold XXXX XXXX XXXX  fully accountable for these deceptive and unlawful practices.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Complaint Against : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- - Complaint Summary : I am filing this complaint as a consumer who has been deceived by the banking practices of XXXX XXXX XXXX  through their XXXX program. They promoted a " credit builder '' loan product under the false pretense that I would receive a {$10000.00} loan, or that {$10000.00} would be deposited into a savings account in my name. Instead, no funds were ever made available to me. I made monthly payments totaling over {$1000.00}, yet my account balance reflects less than {$50.00}, with pennies in interest accrued. 

XXXX XXXX Banks program ( XXXXXXXX XXXX XXXX XXXX XXXX ) is a deliberate misrepresentation of a loan. They never disbursed real funds, yet they : Report negative payment history to the credit bureaus Charge interest and late fees on a loan that never reached me Refuse access to the supposed {$10000.00} savings account Are engaged in a strategy that creates fabricated debt, trapping consumers into paying interest on phantom funds Their actions violate the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), FTC Act, GAAP accounting standards, and international banking laws regarding transparency and fair reporting. This scheme is fundamentally deceptive and predatory.

I demand the following : 1. Immediate investigation into XXXX operations and XXXX program 2. Full deletion of this false loan account from my credit reports 3. Restitution of payments made under fraudulent pretenses XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  for systemic violations This program is being used as a tool to exploit low-income and credit-rebuilding consumers under the illusion of help. It is time to hold XXXX XXXX XXXX  fully accountable for these deceptive and unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-31 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: NY

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




NEGATIVE ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$580.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$500.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$17000.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted multiple disputes to Equifax along with multiple documents stating I dont live at this address. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are falling to review the documents and update the address accordingly. This is causing frustration as this is import to my identity and mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with XXXX C.F.R. XXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XX/XX/year> To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XX/XX/year> To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-03-31 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: NJ

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
Dear Credit Reporting Agencies, This letter serves as a formal dispute of the inaccurate, outdated, and unverifiable information that remains on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification, including documentation from the original creditor, proving the accuracy of these accounts. If you can not provide such documentation, then under FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( 5 ) ( A ), these items must be deleted immediately.

Additionally, under FCRA Section 1681e ( b ), consumer reporting agencies are required to maintain the highest level of accuracy when preparing consumer reports. The accounts listed below have conflicting information across the XXXX bureaus, which violates this statute and must be removed. 
Disputed Accounts : XXXX. XXXX # XXXX - Late Payment** o I do not recall making any late payments on this account. Please provide documented proof of late payments or remove them immediately per 15 USC 1681 a ( 2 ) ( A ) ( i ), which excludes transactions from consumer reports. 
XXXX. XXXX XXXX # XXXX - Late Payment** o Provide proof of late payments or remove them due to lack of verifiable evidence. 
XXXX XXXX XXXX XXXX XXXX  - Charge Off** o The last activity dates differ across bureaus, violating 15 U.S. Code 1681e ( b ). Please delete immediately. 
XXXX. XXXX XXXX # XXXX - Charge Off** o The date of last activity does not match across bureaus, which violates accuracy standards per the FCRA. Please delete. 
XXXX XXXX XXXX XXXX XXXXXXXX - Charge Off** o Same inaccuracy issue. This tradeline must be removed. 
Additionally, the following unauthorized inquiries must be removed as they were not made with my written consent, violating 15 U.S. Code 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX To ensure compliance with federal law, I request : 4. A full breakdown of the investigation procedures used to verify these accounts.

5. The exact data or documentation used to verify each disputed item.

6. Removal of all unverifiable accounts and inquiries within 15 days.

Failure to comply with my requests under the FCRA may result in legal action. Please provide a response with the requested documentation or confirmation of deletion within the allotted timeframe. 
Sincerely, 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