vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: Servicing Solutions, LLC
State: GA

Complaint narrative:
This is a follow-up to my original complaint regarding a XXXXXXXX XXXX XXXX XXXX that is now serviced by Servicing Solutions , LLC. 

In their response, the company acknowledged that this is a business credit card, but failed to address my main concern : Why is this business account now reporting on my personal credit report? 
Why did it never appear on my personal credit until it was transferred to Servicing Solutions? 

The original issuer, XXXX ( via XXXX ), never reported this account to my personal credit, which aligned with industry standards for business cards. However, once Servicing Solutions took over servicing, the account suddenly began appearing on my personal credit report which was not disclosed, expected, or appropriate for a business account. 

I believe this reporting is misleading and unfair, especially considering that the account is still labeled and marketed as a business credit card. I am not disputing liability I am disputing the misrepresentation and the shift in reporting practices that are harming my personal credit standing. 

I am requesting the immediate removal of this tradeline from my personal credit. This account should report under my business only, as was the case with the original issuer. 

Please reference my original complaint # XXXX for continuity. 

Additionally, I am disappointed that my original complaint appears to have been marked closed without any indication of a formal investigation or meaningful review of the issue I raised. 

The response provided by Servicing Solutions did not address my actual complaint it ignored the change in reporting behavior and misrepresentation of a business credit card being added to my personal credit report for the first time. The CFPBs closure of my complaint without ensuring this concern was directly addressed is concerning. 

I am respectfully requesting that the CFPB take a more active role in reviewing this follow-up complaint, especially considering the broader implications this has on how business credit products are being reported to consumer credit files potentially misleading and harming consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Dear Goldman Sachs Bank Customer Service, I hope this letter finds you well. Im writing regarding my account # XXXX with your institution. I want to begin by expressing my sincere appreciation for the financial products and services GS Bank has provided. Ive enjoyed being a customer and value the relationship weve built. 

Im reaching out to respectfully request a goodwill adjustment concerning the late payments reported in XXXX, XXXX and XX/XX/XXXX as well as these are the ones that are the most important XXXX XXXX XXXX and XXXX of XXXX. This was an isolated incident that I had contacted yall about prior to these payments going into default, and I take full responsibility for the oversight. At the time, I was going through XXXX I had to do XXXX and was unable to XXXX, which I did try to explain to yall before I started missing payments. I was experiencing unforeseen financial hardship due to XXXX  XXXX XXXX XXXX XXXX-related challenges, which disrupted my ability to make timely payments. Since then, Ive made consistent and timely payments and have worked diligently to restore my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I HAD XXXX LATE PAYMENTS ON THIS ACCOUNT THT I WAS IN FACT PAID ON TIME.THE CONSUMER REPORTING AGENCIES HAVE NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THE INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ONTIME 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent money to a fraudulent account, tried getting in touch with support and never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 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: PA

Complaint narrative:
Experian is reporting a charge off on my credit report for XXXX XXXX and has been doing so for the last two years. Under the FCRA this is a direct violation of reporting inaccurate information as if an account is charged off, it can not be repeated to report under the payment history each month. Please remove this account from my 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was closed by BMO Harris bank. My account is listed under my maiden name XXXX XXXX XXXX. 
I have excellent credit, I pay on time in full and have never been late, and I've had the credit card for at least 5-6 years. On XX/XX/year> I tried using my credit card but it was declined. Next day on XX/XX/year>, I called to see why it had been declined and they told me they closed my account. " due to cardholder agreement, we can close your account for any reason and at any time. '' I demanded an explanation and they said they could not give me one. I spoke with the manager and demanded a written explanation due to the FCRA, and she said the week of XX/XX/year> - XX/XX/year>, I'll receive one. A letter came yesterday on XX/XX/year> stating my card had been closed, but did not provide an explanation. My credit has been affected today and has gone down a few points due to no fault of my own. I called today XX/XX/year> and spoken to a manager who said she could not provide me an explanation and they can not send a written statement. I spoke with the BMO dispute center and they said, " you're not the only one. This has already happened with numerous people. We can send you a form to dispute it, but I'm letting you know right now, we can't dispute it. We've already been told we can't do anything about it. There's nothing else we could do. '' Please help. I don't want my credit being affected. I'm very aware of growing and protecting my credit score. I opened a credit card last month with XXXXl XXXX and now this month, BMO closed my credit card. This can be seen as a hard inquiry and to have 2 incidences in less than 6 months, can be a huge permanent impact on my score which I would've absolutely never let happen. But it did, due to BMO closing my account against my will. Please help me to not be affected by this. I don't want this in my credit history. Thank you.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management kept bothering me with the calls first, then threatened to sue me. I sent them XXXX validation letters asking to provide my original contract, the purchase contract, they did not send me those documents, they never provided XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  credit report was pulled on XX/XX/XXXX as a part of her housing counseling services with XXXX for XXXX XXXX Michigan ( XXXX ). There is an XXXXXXXX XXXX with XXXX XXXX XXXX related to a vehicle that XXXX had which was in an auto accident in XXXX. This vehicle was impounded by police as evidence and she never received the car back. On the credit report pulled XX/XX/XXXX this account was reporting as actively being 120+ days late, however, the date of last activity was XX/XX/XXXX. We pulled an updated report today ( XX/XX/XXXX ) which still shows the same account with the same balance of {$8300.00} and a XXXX day late status. The report pulled today also shows the date of last activity as XX/XX/XXXX and the last payment date also from XX/XX/XXXX. Per State of Michigan statute of limitations, this account is past the allowed time for the collection of consumer debt in Michigan. Please provide confirmation that this account will drop off the consumer 's credit report in XX/XX/XXXX and update an inaccurate or outdated reporting.

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 2025-04-15 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: GA

Complaint narrative:
Experian Keep Re-Ageing This Account every month. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Information and Securitized Debt XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information being reported on my Experian credit report, associated with the following account : Creditor : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Reported Balance : {$21000.00} Status : Charged Off Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX There are several issues with the accuracy and legality of the information being reported : XXXX. Improper Credit Reporting and Timeline The account appears to have been charged off and simultaneously marked delinquent over several months ( CO status continues through 2025 ). 
The reported information does not reflect the true payment history or any consideration for disputed transactions or terms. 
XXXX. Securitization of Debt To the best of my knowledge, this debt may have been securitized, which typically removes the creditor 's direct ownership and changes their legal standing to report and collect.

Please provide proof of ownership of the debt and chain of title verifying that XXXX XXXX XXXX XXXX maintains legal authority to report or collect on this account. 
XXXX. Failure to Ensure Maximum Possible Accuracy Under FCRA 1681e ( b ), Experian is required to ensure that all information it reports is accurate and verifiable. The continued listing of this charged-off account with potential errors in delinquency and ownership raises serious compliance concerns. 
XXXX. Dispute Status Ignored The report reflects Completed investigation of FCRA dispute consumer disagrees, but no resolution or supporting evidence was ever provided to me. 
Formal Request : Please investigate and remove or correct all inaccurate information. 
Provide documentation validating the current ownership and status of the account, especially regarding any securitization or sale. 
Provide a response and action taken within 15 days, as required by law. 
If this is not resolved, I reserve the right to pursue remedies including arbitration, legal action, and complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My original request dated XX/XX/year>, in which I requested validation of the accounts currently being reported on my credit file. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are legally required to investigate and respond to my dispute within XXXX  days of receiving the initial notice. 

To date, I have not received any written response or documentation validating these accounts, nor have you provided sufficient evidence that confirms the accuracy and ownership of the information being reported. Furthermore, the accounts in question are reporting inconsistent and conflicting information across different credit bureaus, which constitutes inaccurate and misleading reportinga direct violation of 15 U.S. Code 1681s-2. 

As outlined under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an investigation does not verify the disputed information within XXXX  days, the credit reporting agency and furnisher are required to delete or correct the information. Your failure to investigate or remove these unverifiable and inaccurate items is a breach of your obligations under federal law. 

At this point, you are in noncompliance, and I am demanding that these negative and inaccurate accounts be immediately removed from my credit report. If you fail to take corrective action within XXXX  days of receiving this notice, I will be forced to pursue legal remedies for your willful neglect and continued reporting of unverifiable information. 

This includes, but is not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submitting a claim to the Federal Trade Commission ( FTC ) Seeking civil damages under 15 U.S. Code 1681n and 1681o, which allows for recovery of actual damages, punitive damages, and attorneys fees I expect written confirmation of your compliance and deletion of the disputed accounts 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 explanation
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( s ). I have contacted the three major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( s ) on your credit report. I have provided documentation to support my disputes.

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from any of the credit bureau ( s ). My initial dispute letters were sent on XX/XX/year> and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates.

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request.

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes.

* Failing to provide timely responses to my dispute letters.

* Failing to remove inaccurate and unverifiable information from my credit report ( s ).

* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ).

I have attached copies of the dispute letters.

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter. Thank You!

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