vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: PR

Complaint narrative:
Unauthorized Inquiries on Credit Report XXXX XXXX ( Experian ) XXXX XXXX  ( Transunion ) XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX ( Transunion )

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 2025-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NE

Complaint narrative:
I made a purchase XX/XX/year>. From XXXX. I did not receive the item I paid for. At this time I contacted XXXX and the representative emailed me back informing me to file dispute with my financial institution. I then file the dispute and cash app just denies it. No investigation was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchase a first class airline ticket to XXXX returning on XXXXXXXX XXXX On XX/XX/XXXX XXXX XXXX canceled all flights due to a technical/ computer system issue. Since there are not many flights out of XXXX each day, they rebooked me for XXXX night, and I returned the day after XXXX on XX/XX/XXXX. I missed XXXX with my family, and my XXXX XXXX XXXX daughter had to wait for me to return to open gifts. I requested a credit or refund with XXXX XXXX and they declined. I submitted the dispute with Goldman Sachs ( Apple credit card ) and they also declined. I did not receive the service I paid for. I was forced to fly back on the evening of XXXX, or pay a much higher fare to get home on XXXX eve as it would be a same day purchase. Nothing was offered by the airline or the credit card company and I am being forced to pay {$2100.00} A second, unrelated charge dispute was declined for a transaction on XX/XX/XXXX. I was erroneously charged for valet parking when I self parked the vehicle. The amount charged doesn't even match the valet rates posted by the hotel. It was XXXX XXXX, and the transaction dispute amount is {$110.00} On XX/XX/XXXX I submitted a third dispute for XXXX  ( a shoe and apparel online store ) because I purchased a pair of shoes, and they were shipped from XXXX ( which is notorious for fake merchandise ) even when my XXXX  profile explicitly states I will only accept shoes shipped from within the XXXX. I disputed the amount with Goldman Sachs and they declined the dispute and I was forced to pay {$230.00} On XX/XX/XXXX I booked a hotel room in XXXX through XXXXXXXX XXXXXXXX  for {$750.00}. I planned a trip to XXXX  as my two brothers live there and I visit regularly. During this visit to XXXX I was planning to visit XXXX and stay in a hotel. As I was flying to XXXX, I noticed I did not have my passport... I forgot it at home. I immediately called XXXX XXXX  to alert them of the situation, and the fact I could not enter the country since I did not have my passport. I asked them to cancel the room, before the service date and they declined. I submitted a dispute to Goldman Sachs for the {$750.00} since I was unable to enter the country and obviously can not honor the hotel reservation. They declined once again. 

Every dispute I filed with them, they declined and I never spoke to a human being live -- even though I requested to several times. I have been forced to pay {$3200.00} for servies/ products that were not received as expected ... or even the flat out error for parking at the XXXX XXXX I saw Goldman was recently fined over $ XXXX for declining disputes. I need your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC
State: NY

Complaint narrative:
I have received multiple calls from GB Collects debt collectors purporting to collect a debt owed to XXXX. I have written confirmation from XXXX in XX/XX/XXXX and again in XX/XX/XXXX that I do not owe any debt to the company but GB keeps calling me. GB 's collectors have refused to engage with me and hung up in me twice because they were not pleased that I was angry with them. The first person I spoke to said " fine, [ if you're going to talk that way ] we'll leave you in collections '' and disconnected the call, as did her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-26 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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:
Ive recently checked my credit report and noticed some inaccurate accounts reporting. I also see many different addresses that is not associated with me. My consumer report has so many inaccurate accounts that are not associated with me, I have called all debt collection agency that can't produce FACTS or documents to prove it was my account.

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 2025-02-26 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NV

Complaint narrative:
When a collection agency authorizes a charge that isn't signed or dated, it's often referred to as an " unverified charge '' or a " phantom charge '' ; this is considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) as it lacks proper documentation to prove the debt is legitimate and could be considered a deceptive practice

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 2025-02-26 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: Sentry Credit, Inc.
State: FL

Complaint narrative:
I requested XXXX to verify my identity and process my formal dispute regarding inaccurate negative information on my credit report. I provided all necessary documentation, including my Social Security Number, drivers license, and a recent utility bill, to confirm my identity. Despite this, XXXX has rejected my disputes twice, citing an inability to confirm my identity without providing a valid reason. The first request was made on XX/XX/XXXX and the second request was made on XX/XX/XXXX. They have failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to conduct a proper investigation into the disputed information within the required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-02-26 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: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX - {$800.00} XXXX XXXX XXXXXXXX - {$760.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} EMONEYUSA XXXX XXXX XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX {$380.00}

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 2025-02-26 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. ''

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: CA

Complaint narrative:
I submitted multiple requests to CoreLogic for a Fair Credit Reporting Act ( FCRA ) Security Freeze and a California Consumer Privacy Act ( CCPA ) Do Not Sell ( Opt-Out ) request. Despite multiple attempts, CoreLogic has failed to comply, violating both federal and state law. 

Timeline of Requests & Non-Compliance : 1. XX/XX/year> First request sent via email for a security freeze and CCPA opt-out. ( No response ). 
2. XX/XX/year> Second request sent via email. ( No response ). 
3. XX/XX/year> Formal written request sent via XXXX Certified Mail ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ). ( No response ). 
4. XX/XX/year> XXXX tracking confirmed that my certified letter arrived at the XXXX XXXX, CA XXXX post office but remains unretrieved by CoreLogic. ( No response ). 
5. XX/XX/year> Another email sent with ID verification and Social Security number attached. ( No response ). 
6. Total of five separate submissions of my personal details, yet CoreLogic has refused to act.

Legal Violations : 1. FCRA Violation ( 15 U.S.C. 1681c-1 ) - Security Freeze Request : CoreLogic was required by law to place a security freeze within one business day ( electronic request ) or three business days ( mail request ).

CoreLogic has ignored my request and has failed to provide my PIN, violating federal law. 2. CCPA V
iolation ( Cal. Civ. Code 1798.120 ) - Do Not Sell ( Opt-Out ) Request : CoreLogic was required to process my opt-out request within 15 business days.

The deadline has passed, and CoreLogic has failed to comply with California law.

Request for CFPB Action : I am seeking immediate enforcement of FCRA and CCPA compliance and requesting the CFPB to : Investigate CoreLogics failure to process legally required consumer requests.

Require CoreLogic to place my security freeze immediately and provide my PIN.

Ensure CoreLogic processes my CCPA Do Not Sell ( Opt-Out ) request.

Pursue penalties for willful non-compliance under FCRA & CCPA statutes.

Despite my repeated good-faith attempts, CoreLogic continues to ignore legal obligations, leaving my personal data unprotected. I request the CFPB take urgent action to enforce compliance and hold CoreLogic accountable.

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 2025-02-26 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: CA

Complaint narrative:
I currently have a personal loan with Regional Finance that I'm trying to settle through XXXX XXXX XXXX. Regional Finance continues to call me on my personal cell XXXX, as well as at different phone numbers at my work agency. I get in trouble at work for getting personal phone calls. I've asked Regional to stop calling my work place. They continue to harass me. These are the other two numbers they keep calling : XXXX XXXX

Company response to consumer: Closed with explanation