vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am requesting to freeze my credit report due to the repeated appearance of unauthorized transactions that have continuously reflected on my credit file. Despite my efforts to dispute these discrepancies, they persist on my report, which is causing significant concern regarding the security of my personal and financial information. The presence of these unauthorized transactions is not only damaging my credit score but also exposing me to potential risks of identity theft and further fraudulent activity. 

Given these ongoing issues, I believe it is crucial to take immediate steps to protect my financial integrity. Freezing my credit report will prevent any unauthorized access to my credit file, ensuring that no new accounts or inquiries can be made without my explicit consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Goldman Sachs, for numerous violations of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Details of the Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( 15 U.S.C. 1666 ). o XXXX XXXX deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, XXXX, and XXXX ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ). o Despite disputing the account with all three credit bureaus between XX/XX/XXXX and XX/XX/XXXX, they refused to remove the derogatory mark from my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). XXXX. XXXX, XXXX, and XXXX : o These credit bureaus supplied inaccurate information to XXXX XXXX, Goldman Sachs, and XXXX XXXX, in XX/XX/XXXX, who then took adverse actions against me by reducing the available credit on my account to the balance on the account, bringing my credit utilization over 100 %, and destroying my creditworthiness, in violation of the FCRA ( 15 U.S.C. 1681e ( b ) ). XXXX. Goldman Sachs : o In XXXX, Goldman Sachs refused to remove a charge billed in violation of the FCBA after I submitted over 10 disputes for the same charge, in violation of the FCBA ( 15 U.S.C. 1666 ). o Goldman Sachs reported the inaccurate information to credit bureaus, in violation of the FCRA ( 15 U.S.C. 1681s-2 ). o Following my complaint with CFPB, Goldman Sachs removed the charge but failed to acknowledge and respond to my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my XXXX credit card account based on inaccurate delinquency information, despite my record of never missing a payment on that account, in violation of the FCRA ( 15 U.S.C. 1681m ). As a result of these violations, I have suffered significant financial damage, including : Loss of over {$22000.00} in credit line. I am forced to pay over {$800.00} in interest and fees every month since XX/XX/XXXX to keep my credit accounts open and prevent further adverse action. Denial of a mortgage by XXXX XXXX denial of Business credit by XXXX based on inaccurate information provided by Goldman Sachs and XXXX XXXX. Harassment by phone calls and mail from XXXX XXXX regarding the alleged delinquency on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: MO

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-12 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 am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies 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 2025-03-12 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 am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the late payment reports on my credit file regarding my XXXX XXXX XXXX XXXX account ( XXXX XXXX ) as reported by Experian and XXXX. These late payment reports are inaccurate and should be removed under the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), and the Truth in Lending Act ( 15 U.S. Code 1637b ) due to non compliance.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app has in the past took money from me and not giving it back. Giving me a fake XXXX number and they have personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : Charged account reporting a balance Date of OccurrenceXXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MD

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 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 2025-03-12 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: MD

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Under 15 U.S. Code 1692c ( c ), a debt collector must cease communications upon receiving a written request from a consumer to stop all contact regarding the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : Charged account reporting a balance Date of OccurrenceXXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information

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 2025-03-12 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: LA

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 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 2025-03-12 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: CA

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-03-12 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Attached to this complaint is an updated supplemental police report from the XXXX Police Department. I am a victim of identity theft and have received and reviewed my Chex Systems Consumer Report ID : XXXX. The following inquiries viewed by others thats currently listed and showing on my Chex Systems Consumer Report are fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2025-03-12 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: NY

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 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 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX I applied to an apartment complex named XXXX XXXX and I changed my mind about moving there and tried disputing the application fees with my bank. My claim was denied by the bank and they sent the money back on XX/XX/XXXX to the merchant which is XXXX XXXX. A few months later, I started getting several emails from Genesis the debt collector claiming that I owe {$300.00} and every month they add up the interest. I tried sending Genesis proof from my bank that shows the money was credited back to XXXX XXXX and they refuse to accept it or remove the collection. All theyve done is argue with me over the phone and tell me my proof wasnt accepted. I even have a case number from XXXX Bank themselves, proving XXXX XXXX was credited back the fees I tried disputing. Every Genesis person I have spoken to has been rude and unprofessional to me and they refuse to fix their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to inform you that I have filed for bankruptcy and request that you update my credit report accordingly. Please remove or mark as included in bankruptcy any accounts listed on my report that were part of the bankruptcy case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX TekCollect, Inc. 


Subject : Dispute of Debt XXXX Account Dear TekCollect, I am writing to formally dispute the alleged debt of {$1600.00} that your company has reported on my credit file regarding XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this debt, including, but not limited to : XXXX. A detailed statement of the account, including the original contract with XXXX. 
XXXX. An itemized breakdown of the balance and any fees applied. 
XXXX. Proof that I am legally responsible for this debt. 
XXXX. Documentation showing that TekCollect has the right to collect this debt. 

If you are unable to provide adequate verification, I request that this debt be removed from my credit report immediately. Please also cease all collection efforts until proper validation has been provided. 

Furthermore, I request that all future communication regarding this matter be conducted in writing. If this debt has been reported to any credit bureaus, I demand that it be marked as disputed while under investigation, as required by law. 

Failure to validate this debt or continued collection efforts without proper documentation may constitute a violation of federal law, and I reserve the right to take legal action if necessary. 

Please respond within 30 days of receiving this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation