vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
All payments were consistently sent to the same payor each month and were over the expected installment amount due. The account was opened in XXXX of XXXX with a new laptop purchase. I called the Goldman Sachs Apple Card XXXX in early XXXX of XXXX to inquire about a statement and asked for all subsequent statements be sent to me via postal mail. They have not mailed a statement after XXXX. I requested the payment address and my account number and was advised this information was available in my digital wallet through my XXXX. I advised the agent ( and each subsequent agent I have spoken with since ) that I do not have an XXXX or a digital wallet and they declined to provide me with my account number. The asked me to set up electronic payments through their website, however I declined and advised I prefer to send the payments through my bank the way I pay all of my bills. They advised me to write my phone number on the payment and provided the mailing address. The first payment was sent in XX/XX/XXXX and monthly after that. Despite the checks being sent on time, some payments were incorrectly posted as late, and one has not been posted at all. Goldman Sachs reported my account as late in XXXX which subsequently HUGELY impacted my credit report negatively from near/over XXXX to below XXXX! When I sent in XXXX payment inquiry requests for the XXXX separate, {$250.00}. payments XXXX made in XXXX and XXXX made in XXXX. All payments were sent with ample time to clear my bank by the due date have cleared my bank, but were not posted to my account. I was told as long as the payments are received on time, they would be posted to reflect on-time payments. Goldman Sachs incorrectly closed XXXX of the disputes as being found and posted. They informed me of this incorrect resolution via a No-Reply email address telling me they posted the payment on XX/XX/XXXX and to avoid this type of error in the future, I should add my account number to the check. ( Again they refuse to give me my account number citing it is in my digital wallet on my XXXX that I do NOT have. ) I sent Goldman Sachs a letter XXXX XX/XX/XXXX with copies of the all the cleared checks that had been endorsed by the same stamp as well as a final payment check that was cashed on XX/XX/XXXX and not posted to my account as of this date. I am not sure what else to do. I have attached copies of the cleared checks and the letter I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company continues to publish false information about me and uses the information to verify accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Outdated information, unauthorized consent, inaccurate personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion regarding multiple inaccurate late payment entries reported on my federally deferred student loan accounts. These loans were in official deferment status, and reporting them as 90 days late is a direct violation of both the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and the Higher Education Act ( HEA ) Section 432 ( m ) ( 1 ) ( D ).

USPS confirmed delivery of my dispute letter on XX/XX/year>. Despite this, TransUnion sent a stall letter dated XX/XX/year> claiming they need more information, even though I had already submitted valid proof of identity, including a copy of my government-issued ID and proof of residence, as required. 

To date ( XX/XX/year> ), TransUnion has failed to conduct a proper investigation or provide any meaningful resolution. Their failure to remove these illegal delinquencies has caused continued damage to my credit profile and violates their obligation to ensure accurate reporting under FCRA 1681e ( b ) and 1681i ( a ). 

I am attaching the original dispute letter and proof of delivery to support this complaint.

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 2025-04-10 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: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-04-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report I am writing to formally dispute unauthorized inquiry appearing on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize and for which no permissible purpose was provided : The inquiry ( ies ) I am disputing are as follows : Company Name : [ Wells Fargo BNA ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ XXXX XXXX XXXX XXXX  ] Date of Inquiry : [ XX/XX/year> ] Company Name : XXXX XXXX XXXX XXXXXXXX ] Date of Inquiry : [ XX/XX/year> ] * Company name : [ XXXX XXXX XXXXXXXX XXXX  ] Date of Inquiry : [ XXXX/XXXXXXXX ] Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, entities may only access a consumers credit report with the consumer 's explicit consent or for a permissible purpose as defined by law. I have not initiated any transactions or provided authorization for these inquiries. Furthermore, if these inquiries were conducted without my consent, they constitute a violation of the FCRA.

Additionally, under the FCRA 15 U.S.C. 1681c-2, consumers have the right to place a security freeze on their credit reports to prevent unauthorized access. Any failure to comply with these federal protections may result in penalties as outlined in 15 U.S.C. 1681n and 1681o, which provide for civil liability in cases of willful or negligent noncompliance.

I request that you : 1. Investigate these inquiries to determine the party that accessed my credit report.

2. Provide me with documentation showing that I authorized each inquiry listed above or evidence of a permissible purpose.

3. Immediately remove any unauthorized inquiries from my credit report.

Please consider this letter a formal request under the FCRA. I expect a response within 30 days as required by federal law. If these inquiries can not be verified, they must be deleted promptly.

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution. 
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 2025-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report I am writing to formally dispute unauthorized inquiry appearing on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize and for which no permissible purpose was provided : The inquiry ( ies ) I am disputing are as follows : Company Name : [ XXXX XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ XXXX XXXX XXXX XXXX  ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ BANK OF AMERICA ] Date of Inquiry : [ XX/XX/year> ] * Company name : [ XXXX XXXX XXXX XXXX  ] Date of Inquiry : [ XXXX/XXXXXXXX ] Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, entities may only access a consumers credit report with the consumer 's explicit consent or for a permissible purpose as defined by law. I have not initiated any transactions or provided authorization for these inquiries. Furthermore, if these inquiries were conducted without my consent, they constitute a violation of the FCRA.

Additionally, under the FCRA 15 U.S.C. 1681c-2, consumers have the right to place a security freeze on their credit reports to prevent unauthorized access. Any failure to comply with these federal protections may result in penalties as outlined in 15 U.S.C. 1681n and 1681o, which provide for civil liability in cases of willful or negligent noncompliance.

I request that you : 1. Investigate these inquiries to determine the party that accessed my credit report.

2. Provide me with documentation showing that I authorized each inquiry listed above or evidence of a permissible purpose.

3. Immediately remove any unauthorized inquiries from my credit report.

Please consider this letter a formal request under the FCRA. I expect a response within 30 days as required by federal law. If these inquiries can not be verified, they must be deleted promptly.

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution. 
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 non-monetary relief
Consumer complaint received 2025-04-10 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: NY

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 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : Request for Deletion of Inaccurately Reported Account Account # XXXX Dear XXXX XXXX, I am writing to formally request the deletion of the above-referenced account from my Experian credit report. This request is based on previously disputed inaccuracies that remain unresolved. 

On XX/XX/XXXX, I mailed a certified dispute directly to XXXX XXXX addressing inaccuracies in the balance and reporting status. Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the same matter. On XX/XX/XXXX, a separate CFPB complaint and dispute were submitted to Experian, who has failed to take corrective action or reinvestigate the account, even though more than 90 days have passed. 

Despite these efforts : The original balance reported by XXXX XXXX was incorrect ( documentation attached ). 
I received a Paid in Full letter, yet the tradeline continues to reflect Paid in Settlement status. 
A lien release has not been issued, though the account is no longer active. 
XXXX and XXXX have already deleted the account due to these verified inaccuracies. 

Since Experian continues to report inaccurate and misleading information, and XXXX XXXX is the data furnisher, I am now requesting that XXXX XXXX initiate a full deletion of this tradeline from Experian. This is the only appropriate remedy given the documented reporting errors and the failure of Experian to take action. 

Please confirm in writing that the account has been deleted from Experian. I have included supporting documentation for reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of Paid in Full letter Documentation of original ( correct ) balance Evidence of XXXX deletions

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 2025-04-10 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: GA

Complaint narrative:
I am filing a formal complaint about XXXX accounts from XXXX Bank ( XXXX XXXX and XXXX ) that are still being reported on my Equifax credit report with derogatory statuses. These accounts were : Opened in XXXX Last paid and active in XXXX Charged off and transferred/sold over 6 years ago Have {$0.00} balances Despite this, Equifax continues XXXX report both accounts as " Collection/Chargeoff '' with a last reported date of XX/XX/XXXX, which is misleading and inaccurate. Reporting charged-off, zero-balance accounts as active derogatory tradelines more than 7 years later is in violation of the Fair Credit Reporting Act ( FCRA ). 

These same accounts have been resolved or suppressed by the other credit bureaus. There is no justifiable reason for Equifax to continue updating these accounts with derogatory remarks when : They are past the XXXX credit reporting limit They reflect {$0.00} balances They were sold or transferred No new activity has occurred since 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 2025-04-10 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 BY THE 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.

Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX - Date Opened XX/XX/year> Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : US DEPT OF EDXXXX XXXX XXXX - 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 2025-04-10 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/2019 Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX - Date Opened XX/XX/2019 Account Name : US DEPT OF EDXXXX XXXX XXXX - Date Opened XX/XX/2019

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