vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Dear Experian, I am writing to formally dispute the accuracy and compliance of the reporting of the above-referenced account by * XXXX XXXX XXXX XXXX XXXX XXXX Experian credit file. After reviewing the data provided, I have identified several critical errors and violations of federal and industry standards that require immediate correction and/or deletion. 

-- - * 1. Inconsistent Reporting Dates and History * This account shows * conflicting status update dates * ( XX/XX/XXXX vs. XX/XX/XXXX ), and * past due notations that change * between XXXX and XX/XX/XXXX. The balance updated date also differs between reports ( XX/XX/XXXX vs. XX/XX/XXXX ). These inconsistencies violate the FCRA 1681e ( b ), which requires furnishers to provide * complete and accurate * information.

-- - * 2. Improper Charge-Off Classification for
a Lease * The account is an * auto lease, not a traditional credit extension. Under the FCRA and FDCPA 1692e ( 2 ) ( A ), it is misleading to report a lease as a charge-off, especially since the leased vehicle remains the property of the lessor and is typically returned or repossessed. Lease accounts are * * not eligible for charge-off classification * in the same manner as installment debt.

-- - * 3. Potential Violation of IRS 1099-C Guidelines * If this account has been charged off, a * 1099-C Cancellation of Debt * form should have been filed with the IRS. If such a form has been issued, the balance must be reported as * {$0.00}. Continuing to report a balance in this case may constitute * * double reporting *, which is unlawful. If a 1099-C has not been issued, I request documentation verifying the legitimacy of the charge-off and how the reported balance was determined.

-- - * 4. Violation of Metro 2 Reporting Guidelines * This account also * fails to meet Metro 2 compliance standards * as established by the Consumer Data Industry Association ( CDIA ). Notable violations include : - * Mismatched status and delinquency dates *, which violate data consistency rules.

- Improper charge-off classification on a * lease account ( Account Type Code 06 ) *.

- * Inflated balance * of {$44000.00} compared to the original lease amount of {$21000.00} with * no supporting documentation *.

- * Missing critical Metro 2 fields *, including last payment date, vehicle return/repo status, and proper closure coding.

This kind of misreporting directly contradicts Metro 2 guidelines and should be flagged for * noncompliance and deletion * under FCRA 1681s-2 ( b ).

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 2025-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PROVIDENT FUNDING ASSOCIATES
State: TN

Complaint narrative:
They are trying to charge me a gap insurance which wasnt my fault see the attached picture

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover has broke the XXXX in XXXX law set forth by the CFPB prohibiting debt collectors to contact consumers about a particular debt within XXXX days after speaking to the consumer. I spoke to them about reaching a potential settlement agreement on both of my accounts but after talking things over we werent able to come to a mutual agreement that would make sense for me being the financial hardship that Im currently in. Also the past month I have received XXXX calls a week from discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
They have not responded at all, despite my timely dispute. I am now seeking your help to ensure this issue is resolved properly and fairly under the FDCPA XXXX FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I amwriting to delete the following information from my file. The items in deleted are listed in the report i am a big tambin of identity theft and i da not make chance. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I amwriting to delete the following information from my file. The items in deleted are listed in the report i am a big tambin of identity theft and i da not make chance. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I started a new XXXX credit card in XXXX. When they sent me the card I used it for one charge. They immediately sent me a bill for the charge plus {$130.00}. They called it a annual fee but I didnt see it anywhere on the paperwork. I did eventually find it, but it was buried in the paperwork and definitely was not prominently displayed. The term annual fee is also very misleading. If they had communicated this professionally and appropriately on the front end I may have even agreed to it. Its the fact they made an effort to hide it from the consumer that upsets me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SG and Associates
State: CT

Complaint narrative:
I writing to dispute the debt that XXXX XXXX AND XXXX is attempting to collect on behalf of XXXX XXXX. This debt dates back to 2019, and XXXX XXXX was already facing financial difficulties at the time. Given the age of the debt and the fact that XXXX XXXX was experiencing significant issues, it is unfair to hold me accountable for a situation that was beyond my control. 

Additionally, I believe that the statute of limitations for this debt has likely expired, which makes it unjust to continue pursuing this claim. I request that this debt be removed from my records and that all attempts to collect on it be ceased. I would appreciate prompt action in resolving this matter fairly and accurately.

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 2025-04-20 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: GA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent and unauthorized accounts from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( 605B ).

The following accounts were opened or reported without my knowledge, authorization, or consent and are the result of identity theft.

Under FCRA 605B, I have the legal right to request that any consumer reporting agency block the reporting of information that I identify as resulting from identity theft. This block must occur within four business days of receiving my : A copy of an identity theft report ( such as my FTC report or police report ) A specific request for the accounts to be blocked Additionally, under FCRA 611, I have the right to dispute the accuracy of any item. If the information can not be verified, it must be promptly deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent and unauthorized accounts from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( 605B ).

The following accounts were opened or reported without my knowledge, authorization, or consent and are the result of identity theft.

Under FCRA 605B, I have the legal right to request that any consumer reporting agency block the reporting of information that I identify as resulting from identity theft. This block must occur within four business days of receiving my : A copy of an identity theft report ( such as my FTC report or police report ) A specific request for the accounts to be blocked Additionally, under FCRA 611, I have the right to dispute the accuracy of any item. If the information can not be verified, it must be promptly deleted under FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-04-19 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Since XX/XX/XXXX, Ive faced repeated ACH payment rejections on my Apple Card ( issued by Goldman Sachs ), starting with a {$55.00} auto-payment rejection. I attempted payments 14 times from XX/XX/XXXX to XX/XX/XXXX, ranging from {$110.00} to {$900.00}, all rejected without clear explanation. I spent 12+ hours on calls with 20+ representatives, filed complaints, and sent a certified letter to Goldman Sachs and Apple on XX/XX/XXXX, but received no resolution. A manager suggested transferring funds to Apple Cash, which worked for a {$650.00} payment on XX/XX/XXXX, but ACH issues persisted ( e.g., {$20.00} rejected on XX/XX/XXXX ). This led to a delinquency reported on my credit report, causing loan denials, a high-interest auto loan, and risks to my XXXX XXXX security clearance. I filed disputes with XXXX XXXX XXXX, and Apple ( four times ), but Apple claims the reporting is accurate and due to this response from apple and insufficient and negligent investigations by the credit bureaus they have upheld the delinquencies. The CFPBs XX/XX/XXXX, action against Apple and Goldman Sachs ( Order XXXX XXXXXXXX ) found they mishandled disputes and reported incorrect negative information, matching my experience. I request removal of the delinquency, compensation for financial harm ( e.g., high interest rates ), and inclusion in the {$19.00} XXXX redress program. 


As of today nearly 4 years later, no issues have been resolved, repeatedly internal " investigations '' have led to the refusal to correct this issue, and nothing has been done to help me and has further damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian TXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-04-19 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian TXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-04-19 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: CA

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-19 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: CA

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach and/or fraudulent activity. I also dispute any unauthorized inquiries and demand verifiable proof, including documents bearing my signature or electronic authorization. 

I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies in question and have found that these actions were initiated without compliant validation or original documentation. Therefore, I assert that these accounts and inquiries are inaccurate and unauthorized. They are a result of either a data breach or unlawful reporting by creditors or third-party data furnishers.

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 2025-04-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX I got an alert about an unauthorized credit inquiry. 

The employee asked me to put my phone number in. He never told me I would be applying for a credit card. I didnt even put my social security number in so XXXX not sure how they were able to run my credit without my acknowledgment or permission.

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 2025-04-19 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: OH

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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