vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I am writing to bring to your attention a concerning situation regarding a credit repair agency that has engaged in fraudulent behavior. I recently submitted copies of cancellation forms to the agency after discovering that they were making false claims about having staff attorneys who could magically repair credit. 

Despite submitting a cancellation form in XX/XX/2024, the agency continued to charge my credit card exorbitant fees without my consent. Upon realizing this, I took immediate action and disputed these unauthorized transactions with Apple/Goldman Sachs XXXX During my investigation, I discovered that the agency had previously been investigated for wrongfully handling disputes, raising serious concerns about their business practices. 

I firmly believe that the actions of this agency not only violate laws regarding consumer protection but also constitute outright fraud. I urge you to investigate this matter further and take appropriate action to address this credit repair scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Erroneous Collections Account from My Credit Report Dear Equifax, I am writing to formally dispute a XXXX account # XXXX that has been reported on my credit file, which I believe to be in error. The account in question is listed under my name but is associated with a Social Security XXXX XXXX XXXX investigation that does not belong to me. 
I have reviewed the verification details of this account, and the SSN linked to the account does not match my own. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. According to 15 U.S.C. 1681i, if a consumer disputes information that is reported on their credit file and provides reasonable documentation to support their claim, the reporting agency is required to conduct a reasonable investigation into the dispute. 
As the SSN associated with this collection account is not mine, this account does not belong to me, and I request that you immediately remove this erroneous entry from my credit report. 
Furthermore, I would like to remind you of your obligations under the FCRA to maintain accurate and up-to-date information. If this error is not rectified promptly, I will be forced to consider further legal action, including but not limited to seeking remedies under 15 U.S.C. 1681n for violations of the Fair Credit Reporting Act. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for any damages resulting from the incorrect reporting of this account. 
Please send me written confirmation once this account has been removed, or if you require any additional information from my end, feel free to reach out to me immediately. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-13 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:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XX/XX/XXXX {$4900.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX {$670.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

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 2025-03-13 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-13 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX {$500.00} added to Cashapp XX/XX/XXXX {$1000.00} added to Cashapp XX/XX/XXXX {$1500.00} sent from Cashapp None of these transactions were authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-13 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: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 fraudulent accounts include XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-13 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: GA

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 fraudulent accounts include XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CT

Complaint narrative:
ACCOUNTS as of XX/XX/XXXX THAT NEED TO BE REMOVED FROM MY CREDIT REPORT HARD INQUIRIES MUST BE DELETED PER 15 USC 1681 PERMISSABLE PURPOSES ALL THESE ITEMS MUST BE DELETED! XXXX XXXX/EQUIFAX- PLEASE XXXXXXXX XXXX XXXXXXXX XXXX/EQUIFAX-PLEASE DELETE XXXX XXXXXXXX DELETE XXXXPLEASE DELETE XXXXXXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE ( XXXX ) XXXX-PLEASE DELETE XXXX DELETE XXXX XXXX-PLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX-PLEASE DELETE XXXX-PLEASE DELETE " CHARGE OFF '' INCOME WILL NOT BE REPORTED. THE INTERNAL REVENUE SERVICE STATES UNDER PUBLICATION 431 IF THE CANCELED DEBT IS CANCELED, FORGIVEN, OR DISCHARGED IT IS TAXABLE WHICH MAKES IT INCOME. 1. XXXXXXXX XXXX/EQUIFAX- PLEASE DELETE 2 XXXX XXXXEQUIFAX- PLEASE DELETE 3 . XXXX XXXX XXXXEQUIFAX- PLEASE DELETE ( ALREADY OFF MY XXXX REPORT. ) 4. XXXX XXXX-PLEASE DELETE ( ALREADY REMOVED FROM MY EXPERIAN ACCOUNT ) 5. XXXX XXXX/EQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 6.XXXX/EQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 7. CREDIT XXXXEQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 8 XXXX XXXX XXXX/EQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 9. XXXX XXXX XXXX/EQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) 10. XXXXEQUIFAX-PLEASE DELETE ( ALREADY REMOVED FROM MY XXXX REPORT ) ALL CHARGE OFFS NEED TO BE REMOVED AS THEY ARE CONSIDERED TO BE INCOME WHICH IS A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 5 usc 522 ( a ) an individual 's name and address " may not '' be sold or rented by an agency unless such action is " AUTHORIZED BY LAW '' 5 USC 552 ( A ) KEEPING ACCURATE ACCOUNTING 15 usc 1681 ( B ) REPORTING inaccurate information is unlawful 15USC 1681-permissable purposes. i never gave permission 15 USC 1681 ( 4 ) THIS LAW STATES THAT I THE CONSUMER HAVE A RIGHT TO MY PRIVACY. SO IF I FEEL LIKE REPORTING LATE PAYMENTS IS A VIOLATIONS OF MY PRIVACY YOU MUST RESPECT THAT AND REMOVE IT FROM MY REPORT THE PRIVACY ACT OF 1974 IM ENTITLED TO MY OWN PRIVACY. THE EDUCATIONAL AND PRIVACY ACT THAT STATES " THEY WILL NOT REPORT MY TRANSACTION HISTORY TO 3RD PARTY AFFILIATES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The below was filed via BBB XXXX. TransUnion stated that they corrected " one item '', when there were multiple items, and I see all updated except for XXXX XXXX on my report as of today, XX/XX/XXXX. TransUnion, please ( 1 ) confirm that XXXX XXXX has been corrected, ( 2 ) when it will reflect on my credit report, and ( 3 ) why this issue even started. I asked this in my BBB and your team responded with a vague and incomplete letter : " I previously opened Special Handling Case XXXX and I need to ensure this was handled correctly and that the proper resolution is provided in writing. I am an authorized user on several cards ( below ) that I previously disputed with TransUnion for removal from my credit report. When it comes to authorized users disputing removal, I was told that that these are handled differently from other disputes and are removed immediately by TransUnion ( possibly suppressed ). I was recently added back to the same accounts as an authorized user and want these reported on my credit report. The banks, accordingly, are reporting the accounts to TransUnion, but the accounts are not showing. I had 2 banks ( XXXX and XXXX XXXX ) submit tradeline reinsertion requests and was told that TransUnion blocked their ability to submit these, and they could not provide further information. Both banks experienced the same issue separately, so it is not coincidental. 

Again, this issue only affects accounts where I previously disputed removal and am an authorized user, so it is absolutely related. The banks have stated that I need to work with TransUnion, while TransUnion is stating that the banks need to work with them. I am in the middle and affected and need to know if TransUnion can do absolutely anything to resolve this ( delete the previous disputes? Remove suppressions? Manually remove blocks? ). If not, please be specific on what I need to tell the banks and what their next steps are. 

The banks and last 4 of the affected accounts are below : XXXX XXXX Bank 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 2025-03-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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