vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX XXXX Goldman Sachs Bank USA ( issuer of the Apple Card ) decreased my credit limit from {$7000.00} to {$4100.00} without advance notice, despite my consistent high spending and responsible payment history. 

For the past three months, Ive spent over {$7000.00} per month on the card. I made a {$3200.00} payment in XXXX and previously paid the balance down to around {$3000.00} in XXXX. Ive never missed a payment, and I planned to pay off the remaining balance in full by the end of this month. 

Despite that, my limit was reduced to an amount below my typical monthly spending, causing my card to appear maxed out and spiking my credit utilization which is now actively harming my credit score. I contacted support, offered to update my income, and requested a review, but was told the decision was final and could not be reversed. 

This is unfair and directly impacts my financial future. Im currently working toward major financial milestones, including purchasing a car in the near future and eventually a home. This limit decrease jeopardizes all the work Ive done to improve my credit standing and prepare for these goals. 

Im requesting that my previous {$7000.00} limit be reinstated or raised to a level that accurately reflects my usage, repayment history, and overall financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Phone : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of XXXX XXXX XX/XX/XXXXXXXX  XXXX Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NV

Complaint narrative:
I have two XXXX XXXX credit card accounts that were charged off in XXXX. Later that year, I enrolled in payment plans with XXXX XXXX and began making $ XXXX monthly payments on each account. 

However, in late XXXX and early XXXX, I began experiencing repeated issues with XXXX XXXX online payment system the payment links in their emails either expired or failed to process properly. I contacted XXXX XXXX for help, and was eventually redirected to XXXX XXXX XXXX, a third-party law firm handling collections for them. Since then, I have continued making monthly payments through XXXX XXXX XXXX without missing a single one. 

Despite these payments, both accounts continue to be reported to the credit bureaus as charged off with full past-due balances ( {$11000.00} and {$11000.00} ). There is no indication on my credit reports of any payment arrangement, active repayment status, or balance reductions. This is misleading and incomplete reporting. 

My Experian credit report from XX/XX/XXXX, confirms that a recent payment was applied on XX/XX/XXXX yet the status remains unchanged. In XXXX and XX/XX/XXXX, I contacted XXXX XXXX to request documentation confirming my payment plan. They again referred me to XXXX XXXX XXXX. That firm has refused to provide any written confirmation and insists all communication be by phone. 

I filed disputes with all three credit bureaus in XX/XX/XXXX. All disputes came back as " verified as accurate '' based on XXXX XXXX  input, even though the information is clearly not reflective of my ongoing payments and the active collection arrangement. 

I believe this violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires accurate and complete reporting. It is materially misleading to label accounts as simply charged off when the debts are actively being paid under an arrangement. I estimate there are over 60 monthly reporting violations that have impacted my creditworthiness.

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 2025-07-17 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PatientFi, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I signed up for a laser hair removal package at XXXX, which included 8 sessions for XXXX XXXX XXXX XXXX. The total cost was {$3600.00}. I was told Id pay $ XXXX for 24 months through a third-party financing company, PatientFi, with no interest. 

I agreed and set up automatic monthly payments to be withdrawn from my bank account starting XX/XX/XXXX. I assumed everything was being paid as agreed. 

Then in XX/XX/XXXX, I received an unexpected email saying I owed a payment of {$44.00}. When I logged in to my PatientFi account, I was shocked to see a new balance of {$1400.00}. I called PatientFi and spoke to a representative who was rude and unhelpful, refusing to clearly explain the charges. 

After multiple calls, one representative finally told me that I supposedly missed a payment back in XX/XX/XXXX despite the fact that I had automatic payments set up, and I was never notified of any missed payment at the time. No email, no letter, no alert. 

Now, nearly two years later, they are charging me interest and fees totaling {$1400.00}, which I was never informed about, and which completely violates the original no interest offer I agreed to. XXXX told me they have no control over PatientFi and cant help me. 

I feel deceived, mistreated, and financially trapped by this situation. I did my part by making all payments on time through automatic withdrawals. If one payment failed, I should have been contacted immediately, not years later with a huge balance and no explanation. 

This feels like predatory and dishonest lending. Im asking for a full investigation, removal of the interest and fees, and a fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for months to communicate my concerns regarding the inaccuracies on my credit report, but my efforts have gone unanswered. This issue is real and ongoingthis complaint is not a mistake or sent in error. These are difficult times, and the continued presence of inaccurate information on my report is only adding to the burdens Im already facing, negatively affecting both my life and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been writing to this company for MONTHS trying to get them to correct incorrect information that they are reporting in error. They refuse to comply and refuse to respond. They are reporting incorrect addresses, names, employers, and more. They are also reporting inquiries that were not authorized by me and are fraudulent.

FCRA 15 USC 1681b says that they must have a permissible purpose or my written authorization to access my reports. NONE of these companies have this. According to Cushman v Transunion XXXX  Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY.

I feel violated and unprotected, as well as humilated.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
The reason of closing my account even though I never went against rules and regulations, I received a check from someone I worked for and deposited it, my account was restricted afterwards, the amount of the check is {$470.00} on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ACCOUNTS : XXXX  XXXX - Account Number 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 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 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 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: WV

Complaint narrative:
In XXXXXXXX XXXX XXXX  we had a tornado at our home. This caused significant damage. Due to the amount of damage the insurance company issues the payment to us and the mortgage holder to insure that things get fixed. We have completed tens of thousands of dollars in repairs to the home. We have requested that they send an inspector multiple times to the home to verify the repairs. They continually cancel the inspectors and give us the run around when we call to get the money sent to us. On the XXXX they were supposed to have an inspector come. They arbitrarily cancelled this without contacting us. On the XXXX we called again. They said in 2 days they would have it resolved. I called back today and they are saying they have ordered an inspector. I've now been on hold for over 25 minutes waiting for another " manager '' to review this situation. This is a lot of money for people. They are making interest on this money while we have maxed out credit cards to pay to have these repairs done. We continue to make our payments but they have failed to fulfill their obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 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:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I made a payment to PennyMac on XX/XX/year>. I received an email from them on XX/XX/year> indicating that I hadn't made the payment. I was charged late fees- I called the company to ask why the payment hadn't been applied to the loan and was on the phone with them for an hour and they weren't able to answer any questions. This is the second time this has happend with this loan. 

I don't understand why I'm making payments and they're not being received by the mortgage company, and why no one can give me any information Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i purchased XXXX cards with the value of {$100.00} each and i activated XXXX cards with total of XXXX, while activating them i realized that some of them which XXXX cards has XXXX balance and XXXX of them they still had balance m, i called the company and they put hold on the XXXX card for the funds to not get stolen as the other XXXX cards and they said that the XXXX were activated on the wrong website and thats why they got compromised and i asked them how and the other XXXX were activated on the same website and the funds never got used and they never got compromised? ( which is odd ) and that proves that they are wrong at their assumption and then i talked to them over the phone and they said we will refund you {$1600.00} out of the {$5800.00} which also i never agreed on since it is not the full amount and then they sent me a check with {$1000.00} only not even the {$1600.00} and i reached out to them that their claim that i used the wrong website is wrong and if it was right why they would even refund me the {$1000.00} and why the other XXXX cards never got compromised and they refused to send me the IP address or the state where the cards got activated and they declined all my requests without even providing all the requested details or by even justifying what they are saying now i got robbed and i need this money back they still owe me {$4700.00}, and they challenged my dispute with my credit card company and now the money is off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022, Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2022, Balance : {$300.00}

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