vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures algin with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violated federal law and my rights 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 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 status incorrect
Company: MOHELA
State: MI

Complaint narrative:
I am experiencing unauthorized student loan payments being withdrawn from my bank account and incorrect credit reporting by Mohela. My loans were supposed to be discharged per a letter from XXXX XXXX XXXX, yet Mohela has continued to process automated payments that I did not authorize. 

Additionally, Mohela has reported me as delinquent to the credit bureaus, but when I contact them using the last four digits of my Social Security number, they claim that they can not locate an active account in their system. 

I have screenshots of my bank transactions showing payments withdrawn by Mohela, as well as my letter from XXXX XXXX XXXX confirming the discharge of my loans. I am happy to provide these upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Inaccurate information not associated with addresses on my credit report and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence provided, causing an ongoing hard to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, Experians inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-11 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 am filing a complaint against EQUIFAX for failing to properly investigate. I want all reported accounts removed. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Furthermore their actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( A ) ( 1 ) ( A ) - ( B ), AS HIGHLIGHTED IN THE CFPB 's recent administrative proceeding ( File no. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure EQUIFAX complies with the federal law and provides customers with the necessary proof of investigation. 
I want reported accounts removed.

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 2025-03-11 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: MO

Complaint narrative:
I am filing a complaint against EQUIFAX for failing to properly investigate. I want all reported accounts removed. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Furthermore their actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( A ) ( 1 ) ( A ) - ( B ), AS HIGHLIGHTED IN THE CFPB 's recent administrative proceeding ( File no. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure EQUIFAX complies with the federal law and provides customers with the necessary proof of investigation. 
I want reported accounts removed.

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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: PA

Complaint narrative:
I had an auto insurance in XXXX XXXX. And I have an agreement that I signed. There is only what I would pay for every month. That amount was good and I choose that. I had an account in XXXX XXXX. But I wanted to work only XXXX XXXX and that was XXXX XXXX XXXXXXXX. So I closed my accounts in XXXX XXXX And I saw an email that day or next day from XXXX XXXX about my next payment. I directly called the customer service of XXXX XXXX I tried to pay but they couldnt accept that via phone. And told me use app. I paid via app later. But they increased my monthly payment from around XXXX $ to XXXX $ and next month that was around XXXX XXXX I called my XXXX XXXX company and switched to XXXX. But XXXX XXXX  asking XXXX $ from me??? The reason, I had closed my bank account and that automatically terminated my insurance!!! I can send to you my agreement with them that I signed. There is no any details about this. They threatened me with collection company. 
They put own secret rules, I never heard, they didnt tell me anytime, and asking crazy money. Please help me against them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Goldman Sachs Bank USA and Apple Card regarding improper credit reporting due to their failure to notify me of an alleged outstanding balance after I closed my account. This issue has resulted in an unfair negative mark on my credit. 
I initially disputed a transaction on my Apple Card, and the dispute was decided in my favor. During that time, I closed my account, believing that it had been settled at a XXXX balance. However, Goldman Sachs later revoked cashback rewards, creating a balance that I was never informed of through phone, mail, or email. 
As a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite never receiving any clear notification. The only way to access account information was to re-download the Apple Card, an unreasonable expectation for a closed account. This failure in proper communication has led to unjust harm to my credit standing. 
This situation violates several consumer protection laws, including : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - Fair Credit Reporting Act ( FCRA ) : Requires financial institutions to provide accurate and complete information to credit reporting agencies. Given that I was never properly informed of the balance before it was reported as delinquent, the reported information is inaccurate and should be removed.

2. 15 U.S. Code 1666 - Fair Credit Billing Act ( FCBA ) : Requires creditors to provide clear billing statements and proper communication regarding outstanding balances before reporting late payments or delinquency. Goldman Sachs and Apple Card failed to provide adequate notice, violating this requirement.

3. 12 C.F.R. 1026.6 - Truth in Lending Act ( TILA ) : Requires transparency in the disclosure of fees, account balances, and charges. The failure to clearly notify me of the revoked rewards balance violates this rule.

Given these violations, I request that the CFPB take action to : 1. Investigate Goldman Sachs and Apple Cards communication and reporting practices to ensure compliance with federal laws.

2. Request the removal of the delinquency from my credit report due to the lack of proper notice and misleading communication.

3. Require Goldman Sachs and Apple Card to implement better notification processes to prevent similar issues from affecting other consumers. 
I believe this case represents an unfair and deceptive financial practice, and I appreciate the CFPBs assistance in resolving this matter. Please inform me of any steps I need to take or any further information required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged.

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Inaccurate Late Payment Remarks : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I had monthly payments for a company called Byte ( invisible aligners for teeth ) that I paid over the course of 2 years. The monthly payment came out to {$83.00}. I had auto-payment for every month, so I did not have to worry about paying on time. Everything was fine and I thought I had finished paying this bill, but that was not the case. 2 years after my final monthly bill, my credit score dropped 50 points. I checked my credit report and saw that Westlake Portfolio had sent me into collections. This was the agency that was handling the monthly payments. It said I owed {$83.00}. At no point did this company send me an email, a text, or a letter to indicate that I owed this money. I called them immediately to ask what this was and they said I never made my final monthly payment. They sent me my billing history and on the last month, my auto-pay was turned off so that the final amount would never be paid. I never turned this off, nor was I ever notified. I asked if I could sign into my account on their website and they said my profile was no longer active, so I no longer have access to that information. They were able to have access to all this information, but I wasn't. Now my credit score is 50 points lower and I will have this negative remark left on my account. This will make applying to credit cards, purchasing a car or a house, that much more difficult than it already is. I would never not pay {$83.00} on the last month, when I have paid it every other month. A little notification or reminder to let me know that I owed money would have prevented this all. This is unfair and unjust.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent Inquiries on my Transunion and XXXX credit report : XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date 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 2025-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received this XXXX gift card as a gift and when I went to make a purchase on the card the card was denied. I went to check the balance on the website ( XXXX  ) listed on the back of the card and I received an error. I called the phone number ( XXXX ) listed on the back of the card and got hung up on multiple times.

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 2025-03-11 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included accounts from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Accounts in Question : XXXX. Account XXXX : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX Violations XXXX. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( XXXX ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX XXXX XXXX XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of these accounts as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Incorrect Personal Information Employers 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 2025-03-11 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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