vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: 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 2025-03-03 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: Credit Karma, LLC
State: VA

Complaint narrative:
Credit Karma : my password was breached. I could not log in. I told them XXXX  account password was breached, Their Instructions were to reset passwordXXXX  went through prompts, led to a prompt that asked if phone number was correct. THIS WAS A LAND LINE. There was no space to say NO not correct. Of course, The code they sent did not go through. Nothing happened. 
In stating my case with customer support I tried to explain MANY TIMES the phone number listed was not correct .They told me I had to to supply a drivers license, passport, marriage, license, That is ridiculous. 
I tried for months to request my account be cancelled. They just went back to the same responses, sent codes to the number listed ( land line ). 
I want my account cancelled. This company has no customer number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: AZ

Complaint narrative:
I am completely frustrated and disappointed with the continued errors on my report. These mistakes are lowering my score and preventing me from securing important financial opportunities. I should not have to deal with this over and over againit is completely unfair.

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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report.

To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: OR

Complaint narrative:
As a retired Police Officer, I'm allowed to deduct a certain amount every year, taxed free to help pay medical insurance XXXX XXXX informed XXXX they were not allowed to accept the funds and sent the funds back to XXXX This back and forth continued sometime between XXXX, XXXX XXXX and the City of Grants Pass. The funds were eventually deposited back into my XXXX account XXXX continued with their mistakes and sent my tax form, showing I received both checks. Due to the amount, I was required to pay federal and state taxes on second check, even though the second check had been returned to my XXXX Account. I attempted to correct XXXX and requested a new tax form, but I was originally ignored. 

To make things worse, XXXX sent me to collections through the collections firm of XXXX and XXXX XXXX requesting that I immediately pay the full amount of the second check. 

XXXX did not step up to get the collections situation resolved and I had to prove to XXXX and XXXX that I did not owe XXXX a XXXX cent and the money in question was my own. I also had to repeatedly request that XXXX correct my tax statement. They delayed until after my scheduled tax appointment. 

Since this situation started, my XXXX XXXX has skyrocketed, I'm not getting sleep, and I have through up due to the stress they have caused me. 

I have told XXXX, they need to step to the plate for my time, my stress and lack of sleep and increased XXXX XXXX for their actions. XXXX refused to even acknowledge my complaint and stated it was an accident, and they would not do a thing.

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

Complaint narrative:
On XX/XX/year> I checked my TransUnion Credit Report and saw there a Fraud Account opened on my credit report with XXXX XXXX XXXXXXXX, I never had an account with XXXX XXXX XXXXXXXX before. I informed Transunion and told On them to Investigate this account and also send me proof that I authorized these people to open an account under my social security. I also contacted XXXX XXXX XXXXXXXX and informed them it's a fraud account. They Promise me to Delete, but they never did. I am a victim of Identity theft and someone used my social to open this account. I would like XXXX XXXX XXXX to send me letter or contract documents showing my signature that I open this account. But they never did, If they can't proof this they need to Delete this from my File ASAP. Transunion Need to DELETE THIS OFF MY FILE.

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 2025-03-03 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There was an apartment rented in my name in another state that I did not rent my I'd was stolen years ago and they jeep putting this debt on my credit

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

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation into these items and their removal from my credit report. I understand that you are obligated to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. I would like to highlight that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report in the past six months of any corrections made.

Thank you for your attention and assistance in resolving this matter.

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 2025-03-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian on XXXX regarding fraudulent items found on my report. I placed a dispute and sent them my FTC reports along with ID and proof of address as requested. Upon following up I was told that my ID was not clear enough and that I should resend it again to allow them to remove/block the fraudulent items. 
I followed up again on XXXX and was told that despite having my FTC report- they are not able to block this information. 
They also refused to remove incorrect names and addresses because they are attached to fraudulent accounts. 
I was told my Experian that I do not qualify to have items removed and would not tell me why because its their internal policy which they refuse to explain in detail. 

Credit reporting agencies must block information from a consumer 's credit report if the consumer provides an identity theft report. This is in accordance with the Fair Credit Reporting Act ( FCRA )

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 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened an account with Marcus by Goldman Sachs on XX/XX/2025, after transferring funds from another bank that no longer met my needs. Once the funds were received and processed by XXXX, I closed my old account, as it was no longer necessary. 

Shortly after, on XX/XX/XXXX, my roof began leaking, and I needed access to my funds to pay a XXXX. Marcus advertises free same-day wire transfers, so I attempted to wire money to my standard checking account at XXXX XXXX XXXXXXXX XXXX However, the transfer was denied because my account was " too new. '' Marcus claimed my only option was to send the money back to my now-closed account. When I explained that the account no longer existed, they called the bank to verify, then informed me there was nothing they could do except mail me a check, refusing to process an electronic transfer. I declined and ended up using money from another source. 

Despite this, I continued having my paychecks deposited into Marcus to save. 

On XX/XX/XXXX, I initiated an ACH transfer ( a standard XXXX day transfer, not a same-day wire ) to my checking account. Marcus required me to call and verify the transaction, which I did. The agent confirmed the transfer was approved. However, the next day, I received an email stating my transfer had been denied yet again. When I called, they repeated that I could not transfer money to my own account because it was not the original ( now closed ) account. They informed me the reversal process would take another XXXX days, leaving me without access to my own money once again. 

At this point, it is clear Marcus is effectively holding my funds hostagXXXX. I am closing my account, and once again, they insist on mailing a check instead of providing an electronic transfer. Avoid this bank at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Resu

lts ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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