vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: TX

Complaint narrative:
I completed Discovers 12-month hardship program in XX/XX/XXXX. I followed the program fully and made all payments on time. 

After the program ended, my monthly payment jumped to {$400.00}, which I can not afford. I contacted Discover multiple times between XXXX XXXX XXXX, to ask whether any internal program could help lower the minimum payment. I asked about reduced payments, alternate plans, supervisor escalation, or any post-hardship relief. 

I was told that no internal support was available until XX/XX/XXXX due to a XXXX waiting rule between hardship programs. I was referred to budgeting links and told I could split the {$400.00} into multiple paymentsbut not reduce the amount. 

The representatives confirmed that Discover has no internal solutions for customers exiting a hardship program with unaffordable payments. I was told my only option was to contact a third-party credit counseling agency. This feels like a setup that leads customers into default after they fulfill hardship terms. 

I am asking for formal review and support to resolve this before I fall behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 am requesting that the XXXX XXXX XXXXXXXX account ( # XXXX ) be thoroughly investigated. Because the account is found to be inaccurate, unverifiable, or reported in error, I am requesting that it be corrected or permanently removed from my credit report with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a payment to my credit card balance on XX/XX/year>. The payment was processed by my bank the same day. Goldman Sachs Apple Card put a 7 day hold on my payment for " verification ''. No one can tell me how or why payments that have been made and posted to the account are not reflected as available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
In XX/XX/XXXX, I identified several accounts listed on my credit report that I did not authorize. I did not initiate or open these accounts, and they appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXXXXXX 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 2025-04-14 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: OH

Complaint narrative:
The account is full of inaccuracies and misleading information, and this account from XXXX XXXXXXXX XXXX XXXX number XXXX needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from other credit reporting agencies that the reporting is different from XXXX XXXX XXXX XXXX, which is inaccuracies with reporting, which is an FDCPA violation. Which is grounds for deletion alone, but with all the others FDCPA violations, I am requesting immediate removal of this accout from my credit report, which is reflecting negatively on all credit reporting agencies and violating my rights. This is not the first complaint for the same incorrect information and it has not been corrected properly and due to the severe nature of these FDCPA regulations violations I request the immediate removal of this accout from all credit reporting agencies. Furthermore, I am fully aware of the existing lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. At this time with numerous complaints filed and no action taken with my rights being violated by the credit reporting agency by not following FDCPA regulations and conducting a complete and thorough investigation but instead conducting a sham investigation I may have to take legal action due to the violation of my rights. Unless this matter is addressed in four days due to numerous requests to correct the information in past complaints, legal action may be need or, I am requesting immediate removal of this account from my credit report.

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 2025-04-14 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: OH

Complaint narrative:
The account is full of inaccuracies and misleading information, and this account from XXXX XXXXXXXX XXXX XXXX number XXXX needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from other credit reporting agencies that the reporting is different from XXXX XXXX XXXX XXXX, which is inaccuracies with reporting, which is an FDCPA violation. Which is grounds for deletion alone, but with all the others FDCPA violations, I am requesting immediate removal of this accout from my credit report, which is reflecting negatively on all credit reporting agencies and violating my rights. This is not the first complaint for the same incorrect information and it has not been corrected properly and due to the severe nature of these FDCPA regulations violations I request the immediate removal of this accout from all credit reporting agencies. Furthermore, I am fully aware of the existing lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. At this time with numerous complaints filed and no action taken with my rights being violated by the credit reporting agency by not following FDCPA regulations and conducting a complete and thorough investigation but instead conducting a sham investigation I may have to take legal action due to the violation of my rights. Unless this matter is addressed in four days due to numerous requests to correct the information in past complaints, legal action may be need or, I am requesting immediate removal of this account from my credit report.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXXXXXX XXXX # XXXX - Date Opened XXXX/XXXX/2023

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 2025-04-15 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: FL

Complaint narrative:
These hard inquiries do not belong to me, have not been authorized by me, and should be removed. These others too, Thank you Hard Inquiries ( 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 TRANSUNION 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

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 2025-04-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Back last XXXX and XXXX of XXXX  I had an account with PNC bank they closed my account and told me they was going to send what was left in my account, the amount was XXXX XXXX I have not received any of the funds. I have been going to the bank in person so many times, no one can help me. I call the XXXX number on the letter they can not tell me any thing. But they tell me the account was at a XXXX balance when they closed it out. I have bank statements showing that I had money in there. This bank have got me going back and forth and no one is giving me information. I want to know what happen to the money because the money should have been sent to me. Am sure the money can be traced if it was sent out. This bank is not helping me found where my money is, I think they owe me that much it have been a long time I want my money that is due to me. Please help me get my money back. I have lost so much cause the fun was not turned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidential under XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights XXXX U.S.C XXXX section XXXX a states I have the rights to privacy XXXX XXXX XXXX section XXXX a section XXXX. State consumer furnish an account with out my written instructionsXXXX usc XXXX ( a ) ( XXXX ) section state no consumer report containing any of the following items of information, any other adverse items information, other than records of convictions and crimes which antedates the report by 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
Account name XXXX XXXX  Account number
XXXX

Account name XXXX XXXX  Account number
XXXX


Account name XXXX XXXX 
Account number
XXXX
Original creditor


Account name XXXX XXXX  Account number
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 2025-04-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this formal complaint regarding the actions of " XXXX XXXX XXXX, '' which I believe to be in violation of my rights under federal law.

Specifically : Under 15 U.S.C. 1681 Section 602 ( a ), I have a right to privacy regarding my personal and financial information.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish a consumer report without the written instruction of the consumer.

To my knowledge, I have not provided any such written authorization to " XXXX & XXXX, '' nor have I initiated any business relationship with them that would justify the inclusion of their account on my credit report. 

I am requesting that this account be immediately investigated and, if found to be reported in violation of the FCRA, removed from my credit file. Please confirm receipt of this complaint and inform me of the steps being taken to resolve the issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 


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 2025-04-14 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation