vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: VA

Complaint narrative:
I have attempted to contact XXXX XXXX times by phone during the past 2 months. I am placed on hold for hours, never getting through to a representative. I have left my phone number 5 times and never received a return telephone call. 

My student loan accounts were mishandled and XXXX unlawfully permitted unauthorized access to my student loans data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did the DODGE BREACH STUDENT LOAN CONTRACTS? ( published XX/XX/year> ). This report raises serious concerns about violations of the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( FERFA ) involving XXXX XXXX and associated entities, allegedly accessing and deleting student loan records without proper and lawful authorization. 
As a borrower with active student loan obligati9ons, I am alarmed by the implications of these actions on my financial standing and educational records. FERPA explicitly protects the privacy of student educational records, and any unauthorized alteration or deletion of such records not only compromise my rights, but most certainly violate my security and integrity of my personal financial information. 

XXXX is attempting deflection of their obligations to my as a borrower by not returning calls, having representatives alleviable. Most importantly, XXXX permitted unlawful access by DODGE,

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 2025-03-16 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: VA

Complaint narrative:
I have attempted to contact XXXX XXXX times by phone during the past 2 months. I am placed on hold for hours, never getting through to a representative. I have left my phone number 5 times and never received a return telephone call. 

My student loan accounts were mishandled and XXXX unlawfully permitted unauthorized access to my student loans data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did the DODGE BREACH STUDENT LOAN CONTRACTS? ( published XX/XX/year> ). This report raises serious concerns about violations of the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( FERFA ) involving XXXX XXXX and associated entities, allegedly accessing and deleting student loan records without proper and lawful authorization. 
As a borrower with active student loan obligati9ons, I am alarmed by the implications of these actions on my financial standing and educational records. FERPA explicitly protects the privacy of student educational records, and any unauthorized alteration or deletion of such records not only compromise my rights, but most certainly violate my security and integrity of my personal financial information. 

XXXX is attempting deflection of their obligations to my as a borrower by not returning calls, having representatives alleviable. Most importantly, XXXX permitted unlawful access by DODGE,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for not properly investigating my disputes regarding my credit report. Despite my submissions they typically respond within 24 hours stating the account is accurate. Without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-16 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: TX

Complaint narrative:
Complaint Against Apple Card ( Goldman Sachs ) Unfair Charges & Incorrect Credit Reporting I am filing a complaint against Apple Card ( issued by Goldman Sachs ) due to unfair interest charges and false credit reporting, which have negatively impacted my credit score.

1. Unfair Interest Charges Despite paying off my balance in full, I was still charged interest without explanation. When I contacted customer service, they refused to remove the charges or provide a clear reason.

2. Incorrect Credit Reporting Apple Card wrongly reported late payments to the credit bureaus ( XXXX, XXXX, and XXXX ), damaging my credit score. I have proof that my payments were made on time, yet Goldman Sachs has failed to correct this error.

3. Poor Customer Service & Lack of Accountability When I reached out to Apple Card support, I received conflicting information, unhelpful responses, and no resolution. They refused to take responsibility or escalate my case. 

Requested Resolution : Refund the unfair interest charges applied to my account. 
Correct the inaccurate late payment reports with all three major credit bureaus. 
Provide a written confirmation that the errors have been fixed. 

This has caused financial harm by affecting my credit score and trust in Apple Card as a financial institution. I request an immediate resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the response times from the three major credit bureaus - [ Equifax, Experian, TransUnion ]. As per the guidelines set forth by CFPB, these credit bureaus are required to respond to consumer inquiries in a timely manner. 

Unfortunately, I have yet to receive a response from any of the credit bureaus after reaching out to them by written communication dated : XX/XX/year> to formally request the modification of derogatory information on my credit report in accordance with all applicable federal and California state laws, current case law, codes, statutes, constitutions, and rules. Several items on my credit reports are inaccurately reported and should be corrected to reflect accurate information. 

It has been well beyond the time frame specified by CFPB, and I am growing increasingly frustrated with the lack of communication and resolution from these entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the response times from the three major credit bureaus - [ Equifax, Experian, TransUnion ]. As per the guidelines set forth by CFPB, these credit bureaus are required to respond to consumer inquiries in a timely manner. 

Unfortunately, I have yet to receive a response from any of the credit bureaus after reaching out to them by written communication dated : XX/XX/year> to formally request the modification of derogatory information on my credit report in accordance with all applicable federal and California state laws, current case law, codes, statutes, constitutions, and rules. Several items on my credit reports are inaccurately reported and should be corrected to reflect accurate information. 

It has been well beyond the time frame specified by CFPB, and I am growing increasingly frustrated with the lack of communication and resolution from these entities.

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 2025-03-16 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 completed several disputes on my credit report concerning the bankruptcies. The credit bureaus responded that the bankruptcies are verified and accurate by way of the court. However I contacted the court where the bankruptcies originated and the court respond to me that they do not verify records with the bureaus or any entity for that matter making the statement about the bankruptcies being verified by the for that matter making the information either on factual or inaccurate. I have the right to a fair and accurate credit report and inaccuracies like this are unacceptable! I want these bankruptcies removed Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Credit cards and credit lines : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  : XXXX. XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-16 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:
Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Credit cards and credit lines : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  : XXXX. XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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: 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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-16 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have XXXX unauthorized transactions on my cash app from a XXXX XXXX and I reached out to the company they advise me to dispute the transactions via my bank and I did cash app denied all but XXXX transaction totaling {$10.00} out of the {$820.00} that Im owed this fraud took place XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
DATE : XX/XX/year> Dear Consumer Financial Protection Bureau I am writing to dispute several items contained in my credit report, which are in violation of the Fair Credit Reporting Act. I have recently reviewed a copy of my credit report from your agency and have identified several errors and inaccuracies that I would like to bring to your attention. 
[ describe the first error or inaccuracy and provide supporting evidence, such as documentation or receipts ] [ describe the second error or inaccuracy and provide supporting evidence, such as documentation or receipt [ describe the third error or inaccuracy and provide supporting evidence, such as documentation or receipts ]. 

I would like to request that you delete these inaccurate items from my credit report immediately. I understand that under the Fair Credit Reporting Act, you have an obligation to investigate the disputed information and correct or delete any inaccurate information within 30 days. 
Additionally, I have reason to believe that you have violated several laws of the Act in the handling of my credit report. Specifically, I believe that you have : Failed to maintain reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1292.84 Score expansive reasonable reinvestigation of the disputed information, as required by 15 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Against XXXX XXXX ( XXXX XXXX XXXX Unfair Charges & Incorrect Credit Reporting I am filing a complaint against XXXX XXXX ( issued by XXXX XXXX ) due to unfair interest charges and false credit reporting, which have negatively impacted my credit score. 
1. Unfair Interest Charges Despite paying off my balance in full, I was still charged interest without explanation. When I contacted customer service, they refused to remove the charges or provide a clear reason.

2. Incorrect Credit Reporting XXXX XXXX wrongly reported late payments to the credit bureaus ( Experian, XXXX, and XXXX ), damaging my credit score. I have proof that my payments were made on time, yet XXXX XXXX has failed to correct this error. 
3. Poor Customer Service & Lack of Accountability When I reached out to XXXX XXXX support, I received conflicting information, unhelpful responses, and no resolution. They refused to take responsibility or escalate my case. 

Requested Resolution : Refund the unfair interest charges applied to my account. 
Correct the inaccurate late payment reports with all XXXX  XXXX  credit bureaus. 
Provide a written confirmation that the errors have been fixed. 

This has caused financial harm by affecting my credit score and trust in XXXX XXXX as a financial institution. I request an immediate resolution. 

Sincerely, 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$270.00} Date Opened : XX/XX/year>

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 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
In XXXX I was unemployed and going through a tough time. I ate a bunch of XXXX, which I relayed to a friend I was talking to on the phone. He called XXXX, I did not, nor did I request him to do that. I woke up in the hospital and immediately left. Then I began to receive rude and threatening phone calls demanding I pay close to {$900.00}! I called, I wrote letters, asking if I could make payments or if they would settle for less than the exorbitant fee they charged me! This was not my first ambulance ride. I never experienced anything like this in my life. They acted like I stole this money from them personally. I receive a small amount of XXXX monthly that pays my rent and not much else. I need to find a cheaper place to live and to repair my credit. Is there anything I can do to fix this? Please advise. Thanks! 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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