vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
After all these years it still shows on my credit report and it harming my credit status

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
I am writing to express my outrage and demand immediate action following the exposure of my sensitive personal information due to the well-documented data breaches at XXXX XXXX and Equifax. 



It is absolutely unacceptable that your agencies continue to profit off consumer data while failing to adequately protect it. The repeated incompetence and negligence in safeguarding the personal and financial information of millions of Americansincluding myselfhas resulted in long-term risk, financial vulnerability, and personal violation. 



Despite the public exposure of these breaches, I have received nothing but generic apologies and weak remedial efforts that do nothing to undo the damage done. I demand the following actions be taken immediately : XXXX. Place a permanent fraud alert and credit freeze on my credit profile across all three agenciesExperian, Equifax, and TransUnionat no cost to me.

2. Conduct a full audit of my credit file and flag any suspicious or unauthorized activity. 

XXXX. Provide written confirmation that my request has been completed and my data has been secured. 

4. Inform me of any third parties who accessed my data since the breaches occurred.

To the CFPB, I am formally requesting that your office investigate the mishandling of consumer data by these institutions. The continued existence of these credit reporting giants with minimal accountability is an insult to the American public. This is a systemic failure that can not be swept under the rug. 



If I do not receive a satisfactory response within 15 days, I will pursue further legal and media avenues. I refuse to be a silent victim of corporate carelessness and government inaction. 



Fix it. Now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Dear Experian, XXXX and Experian, Subject : Dispute of Credit Reporting Errors I am writing to formally dispute inaccuracies in my credit report as provided by Experian, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). This dispute is in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights significant concerns regarding the accuracy and integrity of credit reporting practices. 

According to the CFPBs complaint, Experian has been accused of failing to ensure the accuracy of the information it reports, which has resulted in consumers being unfairly harmed. As a consumer, I am deeply concerned about how these practices may have affected my credit report and my ability to secure fair credit terms. 

Specifically, I am disputing the following entries on my credit report : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00} XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00} XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of. {$670.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00} XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00} I request that you investigate these matters promptly and take the necessary steps to correct any inaccuracies. Under the FCRA, I have the right to dispute any information that I believe is incorrect, and I expect a thorough review of my claims. 

Please provide me with a written response to my dispute within XXXX  days, as required by law. Additionally, I would appreciate a copy of my updated credit report once the investigation is complete. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Dear Experian, XXXX and Experian, Subject : Dispute of Credit Reporting Errors I am writing to formally dispute inaccuracies in my credit report as provided by Experian, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). This dispute is in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights significant concerns regarding the accuracy and integrity of credit reporting practices. 

According to the CFPBs complaint, Experian has been accused of failing to ensure the accuracy of the information it reports, which has resulted in consumers being unfairly harmed. As a consumer, I am deeply concerned about how these practices may have affected my credit report and my ability to secure fair credit terms. 

Specifically, I am disputing the following entries on my credit report : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00} XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00} XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$770.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of. {$670.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00} XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00} I request that you investigate these matters promptly and take the necessary steps to correct any inaccuracies. Under the FCRA, I have the right to dispute any information that I believe is incorrect, and I expect a thorough review of my claims. 

Please provide me with a written response to my dispute within XXXX  days, as required by law. Additionally, I would appreciate a copy of my updated credit report once the investigation is complete. 

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

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 non-monetary relief
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
I am a victim of identity theft an XXXX XXXX, I filed several FTC reports and submitted my written statement several times to the credit bureaus Transunion, Experian and Equifax for several fraudulent accounts to be removed per 15 U.S.C. 1681c-2 ( FCRA 605B ). TransUnion, Experian and Equifax is legally required to block fraudulent accounts within four ( 4 ) business days of receiving an FTC report, yet they have failed to act on the following account : XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX in the amount {$920.00} XXXX requested a written statement explaining why they are refusing to comply with this law and why they are not blocking these accounts in detail showing the way they investigated, with whom they verified the information with and how they determined my FTC and XXXX XXXX  documents are in fact NOT legitimate. Under FCRA 605B, credit bureaus are prohibited from ignoring FTC reports and must block accounts associated with identity theft. I request that TransUnion, Experian and Equifax provide a written explanation of why they believe they can ignore the FTC report and why they have failed to comply with this legal requirement. TransUnion Also has refused to remove accounts that were already removed by Experian and Equifax and Under FCRA 1681i ( a ) ( 5 ), when one credit bureau removes a fraudulent account, other bureaus must also comply and remove the same account if it is determined to be fraudulent. My rights have been violated since XX/XX/XXXX of me submitting serval disputes, Investigations are being closed after just a few days and nothing is being done. TransUnion also reinserted fraudulent accounts that were previously removed from my credit file, including accounts from XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX  ( Account XXXX, {$4500.00} ), without notifying me within the five ( 5 ) business days required by FCRA 1681i ( a ) ( 5 ) ( B ).

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 2025-03-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 inaccurate.

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 2025-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Subject : Official Complaint Regarding Illegal Withholding of Funds and Gold by American Express Urgent Action Required To Whom It May Concern, I am submitting this letter as an official complaint against American Express, which has unlawfully withheld XXXX XXXX and a significant amount of gold in its XXXX branch since XXXX, without providing any explanation or returning my assets. 
Case Details : 1. In XX/XX/XXXX, the CEO of American Express responded to my repeated inquiries and stated that he would assign one of his employees to handle my case.

2. A few weeks later, this employee informed me that unfortunately, he could not assist at the moment.

3. When I asked whether my personal presence at the bank could help resolve the issue, he replied, Your presence will not solve the problem.

4. I repeatedly requested both the CEO and this employee to clarify if my documents were invalid or if my account was subject to any legal restrictions, but they stopped responding. 
XXXX. This deliberate delay and refusal to communicate have severely violated my financial and human rights, leaving me in a dire situation in XXXX. 
Reasons for My Complaint : The bank is unlawfully refusing to return my funds and assets without any legal justification. 
There is no transparency regarding the reasons for withholding my assets. 
The banks failure to respond to official inquiries constitutes a violation of banking principles and consumer rights. 
This conduct may be in violation of U.S. and UK financial regulations.

My Requests : Given the above, I formally request that your agency urgently intervene and compel American Express to : 1. Provide an official and legal explanation for the withholding of my funds and gold.

2. Immediately release my assets if there are no legal barriers.

3. If there are legal restrictions, provide transparent documentation explaining the reasons for non-payment. 
Attached Documents : Emails exchanged with the CEO and the bank employee Identity documents and banking records Official communications that remain unanswered I urge you to treat this case as a serious financial violation and take immediate action. This injustice not only harms me but also damages public trust in the banking system. 
I look forward to your response and swift action. 
Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX at XXXX, I contacted Experian. Regarding incorrect personal information being reported, such as incorrect multiple names, date of birth, and addresses. I would like for this problem to be corrected. I was given a case number and telephone number to contact. In regards to the matter. I submitted a dispute for the matter of incorrect addresses. Instead of being deleted, the addresses was Updated. I stated I do not live at those addresses and my current address Ive lived here for over 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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I settled by XXXX XXXX XXXX ending in XXXX. The balance I occurred was {$720.00} but the agent said that we can do a settlement of {$500.00}. I agreed with the amount and paid over the phone with that same agent. I asked for some form of documentation for the settlement and was told that I would receive it over the next XXXX, either in mail or email. Its been well over XXXX  days, being that it is now XX/XX/XXXX. On XXXX it is showing that I owe a balance of {$210.00} but that it not correct. That is the difference in which Capital One settled for but it is no longer owed by me because of the settlement that they drew up and both parties agreed to. Youll see multiple attachments below from screenshots of my payment, capital ones email for a rating of our call that occurred on the XXXX, capital ones app showing that the account was charged off, and youll also see a screenshot of that same account showing amount of debt forgiven. The amount of debt forgiven of capital ones app is true, but they are not requesting it correctly. The are reporting it as an amount I owe, that will be the XXXX screenshot. Thank you for reading this very long statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX 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 XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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