vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
The inquires below are fraud and needs to be removed from credit report. 

Inquiry details 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

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
During XXXX, I requested forbearance on my mortgage. But still paid my mortgage monthly in full. They took that money and put it in an account that I did not have access to and did not apply to my mortgage. It took 9 months for them to release those funds and release the forbearance. Then applied the amount to my mortgage. No interest was added to the thousands of dollars they held. I was never notified of the account and it took several months to release me from forbearance because they wanted the past months mortgage paid first. They didn't want to take the money they put into that illegal account to pay the balance. It took months for them to release the funds.

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 2025-01-30 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, equifax 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-00002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that Ive marked as inaccurate : XXXX XXXX and XXXX card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Apple Goldman Sachs Bank regarding fraudulent handling of disputed transactions and misappropriation of funds. Despite multiple provisional adjustments to my account following disputes and refunds, the bank has failed to reconcile these adjustments with my total balance, forcing me to pay unauthorized amounts and effectively withholding owed funds. 

# # # Key Issues : 1. **Fraudulent Balance Adjustments : ** - On multiple occasions ( e.g., XX/XX/XXXX ), the bank applied ** '' Balance Adjustments '' ** ( e.g., + {$14.00}, + {$11.00}, + {$5.00} ) and ** '' Daily Cash Adjustments '' ** ( e.g., {$0.00}, {$0.00}, {$1.00} ) labeled as refunds or dispute resolutions. However, these adjustments were **never reflected in my Total Balance** ( {$210.00} as per XX/XX/XXXX statement ). 
- For instance, a {$100.00} refund from *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on Friday and a {$1.00} refund from ** '' XXXX '' ** on XX/XX/XXXX were marked as processed, yet the Total Balance remained unchanged, indicating systemic discrepancies. 

2. **Misleading Documentation : ** - The banks statements ( e.g., XXXX XXXX : {$220.00} ) show ** '' Payments and Credits '' ** ( + {$210.00} ), but these credits were never applied to reduce my owed balance. This suggests deliberate manipulation of transaction records to conceal unprocessed refunds. 

3. **Failure to Honor Dispute Resolutions : ** - Provisional adjustments labeled ** '' Dispute Provisional Adjustment '' ** ( e.g., + {$14.00}, + {$2.00} ) were reversed or ignored, leaving me liable for disputed amounts. This violates Regulation E and the Fair Credit Billing Act.

XXXX XXXX XXXX  Demand for Resolution : - Immediate correction of my Total Balance to reflect **all adjustments and refunds**. 
- A full audit of transactions from XX/XX/XXXX to XX/XX/XXXX. 
- Reimbursement of misappropriated funds, including accrued interest. 
- Written explanation for the discrepancies and assurance of compliance with federal regulations. 
Attached Evidence : - Transaction records showing unprocessed adjustments ( see XXXX ). 
- Balance statements proving unresolved credits ( see XXXX ). 

This pattern of behavior constitutes **unfair banking practices, fraud, and financial harm**. I request that the CFPB and BBB investigate this matter urgently and hold Apple Goldman Sachs Bank accountable. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-30 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: MO

Complaint narrative:
In response to a letter received, dated XX/XX/year> from TransUnion LLC ( see attachment ) in response to my initial request ( XX/XX/year> ) for an investigation into several inaccuracies in my credit report which is hindering my ability to secure a mortgage and credit in general. As of today ( XX/XX/year> ) these inaccuracies still remain. 
Example : Acct # XXXX In pymt. history charge/off is reported in XXXX XXXX XXXX XXXX & XXXX which is defined as re-aging an is prohibited by the 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I have several incidents were money was drawn out my account from unknown people and purchases not made by me. I tried to resolve the issue but the automated messages would say they would look in to it buti never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-30 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: SC

Complaint narrative:
XX/XX/year> Subject : Notice of Violation Under 15 U.S. Code 1681o Civil Liability for Negligent Violation of FCRA Dear CREDIT REPORTING AGENCYS I am writing to formally notify you of a violation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses the civil liability for negligent violations of the FCRA. I believe that your actions or inactions have resulted in a failure to meet the statutory requirements under the FCRA, which has caused harm or inconvenience to me. 

Details of the Violation : inaccuracy proof is attached along with credit report showing inaccuracy, social, utility, and identification XXXX. This account is showing inaccuracy must be removed immediately according to section 609 PXXXX XXXX XXXX Account Number XXXX XXXX  i request this information to be removed immediately XXXX. This account is showing inaccuracy must be removed immediately according to section 609 XXXXXXXX XXXX XXXX  Account Number : XXXX I request this information to be removed immediately according to section 609 3. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i request this information to be removed immediately according to section 609 4. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 XXXX. I was never late on this account SXXXX XXXX XXXX XXXXccount Number : XXXX update inaccurate late payment to positive XXXX. I was never late on this account XXXX XXXX XXXX Account Number : XXXX update late payment status to positive XXXX. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX Account XXXX : XXXX i am requesting this information to be removed immediately according to section 609 8. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX Account XXXX : XXXX i am requesting this information to be removed immediately according to section 609 XXXX. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 Under 15 U.S. Code 1681o, you are required to comply with the provisions of the FCRA in a manner that avoids negligent violations. Due to the harm caused, I am seeking compensation, correction of the record, an apology, or other appropriate remedies. I request that you take prompt action to correct this violation and notify me of the steps you will take to resolve the matter. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts * XXXX. XXXX XXXX XXXXXXXX date opened XX/XX/XXXX this account is being reported inaccurately, please remove this from my credit report immediately * * XXXX. XXXX # XXXX date opened XX/XX/XXXX, this account is being reported inaccurately, please remove this from my credit report immediately * XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts * XXXX. XXXX XXXX  XXXX date opened XX/XX/XXXX this account is being reported inaccurately, please remove this from my credit report immediately * * XXXX. XXXX # XXXX date opened XX/XX/XXXX, this account is being reported inaccurately, please remove this from my credit report immediately * 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 2025-01-30 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: LA

Complaint narrative:
I want reported accounts to be removed I was not provided any proof or documentation that Experian and XXXX used to verify these debts on my credit report. I have has asked for 3 months. XXXX XXXX, and XXXX of XXXX proof of how they verified these accounts. This violates the fair credit reporting g act 15 USC &. 1681i, which mandates a reasonable explanation into disputes Furthermore XXXX  actions may also contravene the consumer financial Act 12USC. 5536 ( a ) ( 1 ) ( A ) - ( B ). As high listed in the recent CFPB recent administrative proceedings ( file No 2025- CFPB-002 ) taking action against them for similiar practices. I request that CFPB take action to ensure XXXX complies with federal laws and provides consumers with necessary proof. Accounts in question are. 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 2025-01-30 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks to my life and credit health.

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 2025-01-30 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

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 ACCOUNTI WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

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 ACCOUNTI WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-01-30 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS 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 2025-01-30 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 am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS 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