vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Equifax is inaccurately reporting charge-off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$120.00} XXXX XXXX and XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX These inaccuracies indicate a severe breakdown in Equifaxs data verification processes, potentially linked to ongoing data breaches and unauthorized access to sensitive consumer information. Under 15 U.S.C. 1681e ( b ), Equifax is required to maintain maximum possible accuracy in its reporting, yet the continued presence of these unverified accounts demonstrates a clear failure to meet this obligation.

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs widespread failures in conducting proper reinvestigations. In a recent lawsuit, the CFPB alleged that Equifax engaged in sham investigations, violating its obligations under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681 ( a ) ( 5 ) mandates the prompt deletion or correction of any inaccurate, incomplete, or unverifiable information. Equifaxs ongoing failure to comply with these critical legal requirements not only violates my rights but also exposes the company to significant legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Subject : Apple Card Interest Charges Due to Misleading Account Information and Processing Delay Description : On XX/XX/XXXX, I initiated a full payment of my Apple Card balance of {$10000.00} from my XXXX XXXX account at Goldman Sachs, which showed an available balance of approximately {$11000.00} in the Wallet app. 

The app confirmed that my credit card payment was made in full, and the visible card balance decreased accordingly. Based on this, I believed the transaction was successfully completed. 

However, on XX/XX/XXXX, I was charged interest because Goldman Sachs later reversed the payment, claiming the available balance was actually {$3000.00} less than displayed. They explained that a deposit made on XX/XX/XXXX was not yet available for withdrawaldespite the app showing the full {$11000.00} as available on XX/XX/XXXX. 

This created two major points of confusion : 1 ) The app displayed {$11000.00} as the available balance in savings.

2 ) The Apple Card balance visibly dropped by {$10000.00}, falsely indicating the payment had been completed. 

Because of this misleading information, I did not use my linked XXXX  XXXX XXXX account to make the payment, which I could have done on time. 

I have never missed a payment on my Apple Card. The system did not flag the issue until XXXX XXXXtoo late for me to actand now Ive been told interest will accrue daily for two months despite the funds being with Goldman Sachs since XX/XX/XXXX. 

I am requesting the following : 1 ) Waiver of the interest charges resulting from this incident ( XXXX $ ) 2 ) Restoration of my accounts good standing, preventing further interest accrual This issue appears to be caused by system design flaws in how account balances and payment confirmations are displayed in the XXXX XXXX app, not by my actions or negligence. 

Thank you for your attention and help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Experian is inaccurately reporting a charge-off for XXXX XXXX XXXX XXXX XXXX with a balance of {$120.00}. This reporting is not only inaccurate but also potentially the result of compromised data due to widespread breaches, which poses a significant risk to my financial privacy and credit standing. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain reasonable procedures to ensure maximum possible accuracy when reporting consumer information. Despite my prior disputes, Experian continues to report this charge-off without proper verification, indicating a reckless disregard for the accuracy of my credit file.

Furthermore, 15 U.S.C. 1681i requires Experian to conduct a thorough and meaningful reinvestigation upon receiving a dispute, including direct verification with the original creditor. The ongoing presence of this unverified charge-off, despite my repeated challenges, clearly demonstrates a failure to comply with these statutory obligations, resulting in substantial financial and emotional harm. This includes lower credit scores, higher borrowing costs, and diminished financial opportunities, which are directly attributable to Experians negligent handling of my credit information.

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 2025-05-15 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: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I turned over my credit card debt with the exception of one credit card, to XXXX XXXX. Sometime later I discovered what appeared to be an unknown open credit amount on my credit report for {$3000.00}. It is listed as FEB XXXX. The first XXXX numbers of the account show as XXXX. Also, as stated earlier, I only maintain one credit card in my possession and to my knowledge I have never received a card from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Marcus by Goldman Sachs and the handling of my online savings account, which has been frozen and subsequently closed under concerning and unclear circumstances. 

On XX/XX/2025, I spoke with two customer service representatives at XXXX, XXXX and XXXX, between XXXXXXXX XXXX and XXXXXXXX XXXX. I was informed that the account had been frozen for unspecified " security reasons, '' and I was not given prior notice of this action. During the call, I did give permission for the account to be closed with the understanding that the funds would be transferred to our linked XXXXXXXX XXXX  account. 

However, I was not provided with any written confirmation of this process, nor could the representative ( XXXX ) tell me where the funds are currently being held. She stated the account would be reopened within XXXX business days, at which point the transfer would proceed but again, no receipt ( other than a case number : XXXX ) or documentation could be provided. Meanwhile, the entire balance of our lifetime savings remains inaccessible, and I am unable to see any information when I log in, as it now shows I have no active accounts. 

I am alarmed that a bank can freeze and close an account without advance notice, and that even after giving consent, I am left with no visibility or documentation regarding the status or location of our funds. After researching online, I have found that other consumers have reported similar experiences, sometimes waiting months for resolution. This raises significant concerns about transparency, accountability, and financial safety. 

I respectfully request that the FDIC investigate this matter to ensure Marcus by Goldman Sachs is adhering to federal banking standards and that consumer rights are being protected. I also request that I be provided with documentation regarding the current status of our funds and a clear, guaranteed timeline for resolution. 

Thank you for your attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I'm requesting confirmation that all data associated with this account is fully and exclusively mine. Please certify this clearly and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
In XX/XX/year>, I was granted a retroactive deferment on my student loan starting XX/XX/year>. Despite this, an invalid delinquency status for XX/XX/year> remains on my account. I disputed this with Experian and my loan servicer, providing documentation of the deferment. Equifax corrected the delinquency, but Experian continues to report it without clear explanation. My loan servicer stated that the deferment does not remove previously reported delinquencies, which conflicts with XXXX correction. Experian reopened my dispute but has yet to resolve the issue. I have requested detailed reporting information and explanations, but neither Experian nor my loan servicer has adequately responded or corrected my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I disputed a collection account reported by XXXX XXXX through XXXX. I requested legal proof, including a signed contract, chain of title, and billing history. 

XXXX  responded by stating the account was verified and updated but did not send any documents. This is a willful violation of FCRA 1681i.

They continue reporting unverifiable information that harms my 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 explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Attn : Legal Fictions/Corporations known as XXXX XXXX aka XXXX XXXX Mortgage XXXX located XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX, XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX MORTGAGE XXXX Associate XXXX XXXX The following is a Notice of intent to file criminal charges for the following... Unauthorized Use of Mail to Transmit Fraudulent Documents and Misrepresentation of Authority This correspondence shall serve as formal notice that I have received documents from you via the United States Postal Service ( or private mail carrier ) which I believe to be fraudulent, misleading, and unlawful. Specifically, the documents in question all mail received at address XXXX XXXXXXXX XXXX XXXX in the republic/commonwealth of Florida near/by XXXX XXXX ) Contain false or misleading statements regarding [ e.g., legal authority, official capacity, financial obligations. 

Were sent with the intent to misrepresent authority or intimidate coerce to participate in fraudulent schemes and deceptive practices Does in fact constitute mail fraud in violation of XXXX XXXX XXXX XXXX ; Does in fact violate Florida XXXX XXXX, relating to the filing or sending of false official documents. 

The use of the U.S. Mail in furtherance of a fraudulent or coercive scheme is a federal offense punishable by fines and imprisonment of up to XXXX  years ( XXXX  years if it affects a financial institution ). in which in fact it does. 

Additionally, the content of your mailing may constitute a violation of my rights under the Florida XXXX, XXXX XXXX, XXXX XXXX, if it targets or harasses me as a victim and fails to respect my legally protected rights and dignity. 

DEMAND FOR IMMEDIATE ACTION I hereby demand that you : Cease and desist from sending any further false, fraudulent, or misleading documents ; Provide a written explanation of your authority and intent concerning the documents you previously mailed ; Refrain from any further attempts to intimidate or harass through the misuse of legal language or titles. 

Failure to comply may result in formal complaints being filed with the following authorities : XXXX. Postal Inspection Service The Florida Attorney General 's Office The Florida Bar Attorney XXXX XXXX Office of OIG Local law enforcement This notice is provided to give you an opportunity to correct or explain your actions before legal escalation. A record of this notice will be retained as evidence in any future proceedings. 

Sincerely, All rights reserved, non waived pursuant XXXX Agent and living man and woman, known as XXXX XXXX and XXXX of XXXX XXXX family name on behalf of principal ( s ) XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Attn : Legal Fictions/Corporations known as XXXX XXXX aka XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX, XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX MORTGAGE XXXX Associate XXXX XXXX XXXX following is a Notice of intent to file criminal charges for the following... Unauthorized Use of Mail to Transmit Fraudulent Documents and Misrepresentation of Authority This correspondence shall serve as formal notice that I have received documents from you via the United States Postal Service ( or private mail carrier ) which I believe to be fraudulent, misleading, and unlawful. Specifically, the documents in question all mail received at address XXXX  XXXX XXXX XXXX in the republic/commonwealth of Florida near/by XXXX XXXX ) Contain false or misleading statements regarding [ e.g., legal authority, official capacity, financial obligations. 

Were sent with the intent to misrepresent authority or intimidate coerce to participate in fraudulent schemes and deceptive practices Does in fact constitute mail fraud in violation of XXXX XXXX XXXX XXXX ; Does in fact violate Florida XXXX XXXX, relating to the filing or sending of false official documents. 

The use of the U.S. Mail in furtherance of a fraudulent or coercive scheme is a federal offense punishable by fines and imprisonment of up to XXXX  years ( XXXX  years if it affects a financial institution ). in which in fact it does. 

Additionally, the content of your mailing may constitute a violation of my rights under the Florida XXXX, XXXX XXXX, XXXX XXXX, if it targets or harasses me as a victim and fails to respect my legally protected rights and dignity. 

DEMAND FOR IMMEDIATE ACTION I hereby demand that you : Cease and desist from sending any further false, fraudulent, or misleading documents ; Provide a written explanation of your authority and intent concerning the documents you previously mailed ; Refrain from any further attempts to intimidate or harass through the misuse of legal language or titles. 

Failure to comply may result in formal complaints being filed with the following authorities : U.S. Postal Inspection Service The Florida Attorney General 's Office The Florida Bar Attorney XXXX XXXX Office of OIG Local law enforcement This notice is provided to give you an opportunity to correct or explain your actions before legal escalation. A record of this notice will be retained as evidence in any future proceedings. 

Sincerely, All rights reserved, non waived pursuant XXXX Agent and living man and woman, known as XXXX XXXX and XXXX of the XXXX family name on behalf of principal ( s ) XXXX XXXX and 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 2025-05-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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