vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion, Experian & Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX * * XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX * * * * XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXX  Installment Loans XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX Experian 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital SYST Amount {$1500.00} date XX/XX/2025, who creditors if they report credit history inaccurately reason defamation financial injury law US court of appeals 9th circuit number XXXX XXXX versus XXXX XXXX fine extent of Damages incurred by the wrong party as Dean by the courts Its X 's in the account number and that is inaccurate or incomplete and its reporting on XXXX  and the other credit bureaus and aren't you Sueing XXXX  and XXXX  for sham investigations like this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
Account XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with recipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear, Wells Fargo, I am writing to dispute inaccurate information being reported on my credit file. The account in question is : Creditor Name : Wells Fargo Card Services Account Number : [ Account Number ending in XXXX ] Reported Issue : Improper Repeated Charge-Off Reporting This account was charged off in XXXX of XXXX. A charge-off is a one-time event and should not be updated or reported as a new charge-off each month. You stated this account charged off in XXXX of XXXX. This account has been reported as a charge-off from XX/XX/XXXX through XX/XX/XXXX. Continuing to report a recurring charge-off inaccurately portrays my payment history and misleads future creditors. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), information furnishers must provide information that is accurate and complete. Repeatedly reporting a charge-off as a new event violates this provision of 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently opened a credit card account with XXXX XXXXXXXX at this point I don't know about credit or scores. my friend helps me open an account with my XXXX and once logged in I already have a score as well as a credit report. The report shows that a discover card was opened at my address after I left for boot camp and the account was closed in XXXX of this year. Seeing this I called discover and saw that the account had phone numbers that were not mine. The representative I spoke with assured me that they would reach out to the XXXX credit bureaus. I have been cleared of the account as well as the debt on XXXX of the bureaus, but the account as well as the debt still shows on my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Citibank card I have has ahigh fee of {$590.00} and credit limit of {$5000.00}. The payment is due on XX/XX/XXXX of each month and I signed up for autopayment. Every month, whatever balance is paid in full and the money would be taken out of my Citibank account by the XXXX of the month. And a new statement would be generated showing that payment was made and there's a new revolving credit. Then, last month or the month before, I had to call in because while payment was made, the revolving credit was not increased and I can't use the card. I specifically asked the agent to put a note to not flag the account. The agent gave me some vague excuse that there's a payment hold. So the same happened this time. I called in and then was transferred to XXXX, supervisor. She said the same excuse, that there's a hold and that they need to call and verify, but that the departement is closed. so I'd have to call back or what not. She wont put a note that Citibank would automatically call and release the hold. So it would be me calling back or their call back is 48hrs. I asked to cancel the card and she said it's outside of the 90 day window. I would not know about another hold until today. The XXXX statmennt already shows that money has been taken out of my account 5 days ago on XX/XX/XXXX and today, I can't use the card to make a large purchase of more than {$600.00}. This seems to be systemtematic with Citibank. I would like to cancel the card and get my membership fee back.

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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
On XX/XX/XXXX I called the law offices of XXXX to pay my gas debt off, when a the young women I spoke with told me an amount that was over the amount of the gas debt, I asked why was it so high and she told me it was their fees. I told her I only wanted to pay what I owe the gas company and I can set up a payment plan for the lawyer fees, she said that I can do that and set up the payment plan. I did have to call her back because she didnt send the email I needed to get my services cut on and I explained to her that gas company needed her to email them the payment, she then proceeded to ask me if I told them that there was still a balance on the account, I told her they only concerned about the money portion I owed them which was XXXX she said ok and the up the email while I was on the phone and when she was done she told me that she had sent the email to the person that it needed to be sent to I pacifically told her I only was using that credit card for the gas debt and I will use another payment for lawyer fees and I only agreed and authorized payment for the gas bill debt with that credit card. Now I did miss the payment plan date and they decided to go back and deducted it from my debt, Mind you the gas company only turned my services back on because they received an email saying I paid the amount needed to be paid. I never agreed to them doing that nor did she ever tell me that it Will done if I miss the payment plan, She contacted me on XX/XX/XXXX for the payment plan payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question is : XXXX XXXX Reported as XXXX XXXX XXXX Charge-Off with Balance This account is XXXX XXXX fraudulent and in violation of the FCRA XXXX XXXX for the following reasons : XXXXXXXX XXXX XXXX  Incorrect Reporting as Charge-Off with Balance XXXX XXXX The creditor has * * failed to issue me a legally required 1099-C ( Cancellation of Debt ) XXXX XXXX  despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes. 

XXXX XXXX XXXX Violation of IRS Tax Code & FCRA XXXX XXXX By reporting this debt as a loss to the IRS XXXX XXXX without issuing me a 1099-C XXXX XXXX, the creditor has XXXX XXXX  misrepresented the debt status XXXX XXXX. If they claimed a tax deduction for this loss, the balance must be XXXX XXXX  {$0.00} XXXX XXXX  and the account must be XXXX XXXX removed from my credit report XXXX XXXX 

XXXX XXXX XXXX False & Misleading Information XXXX XXXX  The continued reporting of a balance while claiming a tax write-off is XXXX XXXX deceptive and unlawful XXXX XXXX under XXXX XXXX 15 U.S.C. 1681e ( b ) XXXX XXXX, which requires maximum possible accuracy in credit reporting.

XXXX XXXX Demand for Immediate Action XXXX XXXX XXXX XXXX XXXX XXXX Delete this account XXXX XXXX from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Formal Dispute and Demand for Removal of Inaccurate Charge-Off Account I am writing to formally dispute the following inaccurate and unlawful information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account in question is : XXXX XXXX Reported as XXXX XXXX XXXX Charge-Off with Balance This account is XXXX XXXX fraudulent and in violation of the FCRA XXXX XXXX for the following reasons : XXXXXXXX XXXX XXXX  Incorrect Reporting as Charge-Off with Balance XXXX XXXX The creditor has * * failed to issue me a legally required 1099-C ( Cancellation of Debt ) XXXX XXXX  despite reporting this debt as a loss to the IRS. This constitutes * * fraudulent reporting * * because they can not legally continue to collect on a debt they have written off for tax purposes. 

XXXX XXXX XXXX Violation of IRS Tax Code & FCRA XXXX XXXX By reporting this debt as a loss to the IRS XXXX XXXX without issuing me a 1099-C XXXX XXXX, the creditor has XXXX XXXX  misrepresented the debt status XXXX XXXX. If they claimed a tax deduction for this loss, the balance must be XXXX XXXX  {$0.00} XXXX XXXX  and the account must be XXXX XXXX removed from my credit report XXXX XXXX 

XXXX XXXX XXXX False & Misleading Information XXXX XXXX  The continued reporting of a balance while claiming a tax write-off is XXXX XXXX deceptive and unlawful XXXX XXXX under XXXX XXXX 15 U.S.C. 1681e ( b ) XXXX XXXX, which requires maximum possible accuracy in credit reporting.

XXXX XXXX Demand for Immediate Action XXXX XXXX XXXX XXXX XXXX XXXX Delete this account XXXX XXXX from my credit file immediately.

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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
please it's time for me to take the crown belonging to the XXXX XXXX and please take firm action against those who stole my identity to the point of corruption of a XXXX XXXX XXXX, namely the XXXX case... if they are proven to have corrupted my inheritance money, please punish them ... now I take over ownership of all the XXXX XXXX belonging to the kingdom of Galilee based on the agreement of XXXX XXXX XXXX XXXX in the name of the seal of the blood of Jesus, may it be processed and legalized .. and please open the easiest access for me to be able to get royalties from my copyright in the name of XXXX XXXXXXXX XXXX and I want to withdraw cash rupiah from the US stock exchange from funds XXXX  and funds XXXX XXXX XXXX XXXX my tax TIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this formal complaint regarding Goldman Sachs Bank USAs unlawful and inaccurate furnishing of derogatory information to the consumer reporting agencies regarding my Apple Card account XXXX Upon my independent investigation, based on Goldman Sachs ' own securitization documents and SEC filings, I have confirmed the following undisputed facts : Goldman Sachs Bank USA has no ownership, no collection rights, and no lawful authority to report, collect on, or charge off the alleged Apple Card account. 

The receivables, including the account at issue, were sold and assigned via a true sale, as documented in the Goldman Sachs Receivables Purchase Agreement ( Page 49, Lines L645-L653 ).

Goldman Sachs waived all rights of setoff or deduction against the sold receivables ( Indenture Agreement, Page 60, Lines L218-L226 ).

Goldman Sachs deregistered and relinquished control over the receivables in its 10-K Annual Report ( Page 62, Lines L18797-L18804 ).

Therefore, Goldman Sachs Bank USA no longer retains any legal standing to furnish, verify, or charge off the Apple Card receivables.

Their continued furnishing of derogatory information concerning this account to the consumer reporting agencies constitutes inaccurate, false, and fraudulent reporting, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).

I respectfully request that the Consumer Financial Protection Bureau conduct a full investigation into this matter. I am providing documentary evidence, attached herewith, which clearly demonstrates Goldman Sachs Bank USAs relinquishment of ownership, authority, and collection rights.

I am demanding immediate deletion of this account from my consumer reports, and full corrective action against Goldman Sachs Bank USA for their violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
To : CFPB Complaint Submission Portal Subject : Rental Collection - National Credit Systems ( XXXX XXXX XXXX ) My name is XXXX XXXX, and I am submitting this complaint regarding a rental collection that appears on my credit report from XXXX XXXX XXXX  through National Credit Systems in the amount of {$4200.00}. 

Account Info : Creditor : National Credit Systems Account # : XXXX Subscriber Code : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX This account was created during a time when I was in an abusive relationship. My ex-partner abandoned the lease and all financial responsibilities, and I was left to face the consequences alone. I am currently a single mother with no financial support and am doing my best to rebuild my life from the ground up. I have no income available to pay this balance at this time, but I am seeking fair treatment and accurate representation of my situation. 

I am asking for : - A full investigation into the validity of this collection - Consideration of the context of financial abuse and abandonment - A review of any possibility to remove this negative item due to hardship Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notices i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notices i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-26 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: PA

Complaint narrative:
Your continued reporting of accounts tied to a credit file that contains an incorrect date of birth violates federal law and directly results in the reporting of inaccurate and misattributed data to third parties. Such action may be considered : Negligent or willful noncompliance under FCRA 1681n and 1681o, Invasion of privacy by false light ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ), and Defamation under common law, if reporting causes reputational or financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: AR

Complaint narrative:
I have the right to privacy and have asked all reporting agencies to remove the XXXX  on my reports. But they have not removed them nor have they communicated with me about it. XXXX  Trans union 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 2025-04-27 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: MD

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report Please remove these accounts from my report. they are hurting my ability to obtain credit I did not authorize this account there are being reported as a third party.

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