vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX * under the account number ( XXXX ), a collections account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number of ( XXXX ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number of ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-05-20 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
A fraudulent charge with PayPal that I did NOT know about went to collection. I learned this after a different fraudulent charges from PayPal went through my bank account. PayPal froze my account and sent the fraudulent charge to a collection agency and recommended I call them. XXXX XXXX attempts to call them and talk to an ACTUAL costumer service provider resulted in them hanging up on me. An AI service tried to get me to set up payments. 
Apparently this was the only way to unfreeze my PayPal account in order to get information on who hacked my account and fraudulently charged to my PayPal account. 
A website was given by the AI who answered the call to XXXX XXXX. This website supposedly contained a patient portal where I could get information about the collection status of the fraudulent charge. I went to that website and my phone picked up two viruses and blocked the site.

I believe the PayPal charge and the collection of this charge are some sort of scam in order to get me to submit a payment through the automated service of XXXX XXXX. 
I gave no idea what is real in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2025-05-20 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: CA

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account 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 has violated my rights. 

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if 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 explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>XXXX  I agreed to pay a {$10.00} donation to a cause that seemed legitimate. When the transaction was complete I received a fraud alert ( text ) from Citi for the amount of {$5000.00}. I responded that it was fraudulent. I also received a phone call from Citi and confirmed I did not approve the charge. They said not to worry and would be sending new card. 

Citi has since decided the charge legitimate as the card was in possession at the time of the transaction. After 2 attempts to rectify with Citi, their response has been to send me a standard form letter stating they have completed their investigation. They won't define what was investigated.

According to them I owe {$5000.00}

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE
State: FL

Complaint narrative:
The debt is older than XXXX years and should no longer be reported to credit agencies. Also, the services rendered and dates are incorrect,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
On XX/XX/XXXX I paid {$1800.00} online for an electric bike that was advertised on XXXX XXXX with my Goldman Sachs Apple Card. It was advertised as having a XXXX reuturn policy if I didn't like it upon receiving it, I could return it. 

I received the E-bike on XX/XX/XXXX and the bike was severely misrepresented in quality and features. I went to the XXXX Website and they had changed their XXXX return policy to " no returns. '' The company, XXXX Ride, advertised their bike as being the most innovative electric bike that features the following : The startup company estimated delivery of the bike around XXXX XXXX, but after numerous excuses and delays, the bike was not received until XX/XX/XXXX. 
Upon assembling the bike, it was clear the company had cut corners and lied about the quality of the materials, the performance of the bike, and the brand names of the components. 

As other customers received their bikes, they too complained about the difference from the slick advertising to the mediocre bike that was received. The only way to communicate with the company was their online portal. There was no number to call. And, most inquiries were simply ignored with no response. 
XXXX customers purchased the same E-bikes and some, to this day, have not received them. There is a XXXX XXXX of unhappy customers that are also trying to get their money back via XXXX card disputes. 

I Contacted Goldman Sachs and opened my first dispute on XX/XX/XXXX. On XX/XX/XXXX I received the Goldman Sachs determination " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We investigated the dispute and reviewed any information that may have been provided. Based on our review, there is no evidence to substantiate the claim. '' I called Goldman Sachs to ask how they came to this determination and they said it was up to the disputes team and that was the end of that conversation. 

I disagreed with the outcome and immediately opened another dispute for the same topic and they requested additional information and for me to take it to an E-bike store to have it evaluated, which I did twice, and both results were the bike was sub-par and not as advertised. The dispute was declined. 

This happened 5 times. I am now on my XXXX dispute. Goldman Sachs requests the same information EVERY TIME and I provide it. It takes months for them to come to a determination and they are all declined. 

So here I am trying to get my {$1800.00} back. I have substantial documented evidence XXXX XXXX scammed their customers. I hope you work with Goldman Sachs to resolve this dispute in a positive manner. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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 ( MO ) XXXX 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing failed to timely apply our 100 % XXXX XXXX property tax exemption and the resulting refund to our escrow account. Although the exemption was approved and Shellpoint received the refund in XX/XX/XXXX, they did not adjust our monthly mortgage payment until XX/XX/XXXX, with changes effective XX/XX/XXXX. 

Due to their delay, our mortgage payments were significantly inflated between late XXXX and early XXXX. We were unable to afford the artificially high payments, and Shellpoint refused to release the escrow surplus unless we paid a balance that existed solely because of their mistake. 

As a result : - Shellpoint reported us XXXX days late for XXXX and XX/XX/XXXX, damaging our XXXX XXXX - We disputed the inaccurate credit reporting with all three credit bureaus, and Shellpoint refused to correct it - Our complaint to the CFPB ( earlier case ) was marked " closed '' before we could submit this additional evidence - Our payment history now shows the balance is paid in full and late charges were possibly reversed, confirming the loan is current - Yet the derogatory credit marks remain and are still hurting our credit Shellpoint caused the delinquency, then reported it as our fault. Their servicing error should not continue to damage our familys financial health.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Account XXXX  XXXX Im unaware of this dept and did not have the opportunity to dispute this account. If you believe you sent proper notification, please providecertified mail with receipt displaying my signature. If not, please delete account ending in XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Round Up Ventures, L.P.
State: OH

Complaint narrative:
On XX/XX/year>XXXX  I started receiving calls from a " XXXX XXXX '' who works for " The investigation department ''. He is calling me 3 calls at a time, multiple times a day from a phone number ( XXXX ) XXXX. He referred me to call XXXX XXXX at ( XXXX ) XXXX. I called them and they were not willing to give me much information other than I had to pay {$1800.00} ( approx. ) right then and there. When I said that I couldn't, they said they will continue to have the locator call and find me, and " Good luck. ". I have recorded a couple of the calls, as well as gotten a couple of voicemails. He has stated " You have been served! '' on the voicemails. In one call that is recorded, he named off an address that I do not live at, and said I need to be there with an ID. When I told him I don't live there, he stated that he will still show up there. He proceeded to leave me a voicemail shortly after that stating he verified my address, and it was my final notice. I called the company and they refuse to send me any other information, without having to " meet with the locator. that is his job, is to serve the paperwork. '' I stated I would not be meeting with anyone who is threatening me. The company can not tell me who the locator works for, they said they are independent contractors. They will not give me any information about themselves other than they are collecting a debt for XXXX XXXX ( That has not been my legal name in 10 months. ), and that it is for Lendly. When I contacted lendly, they gave me a separate company to contact, because it was not given to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I have had every single one of my student loan payments reversed. I received a payment confirmation every time I paid. However, I still continue to receive emails about late balances, and never any notification or explanation as to why my payment was reversed. This has negatively affected my credit score as the loans are reported as delinquent. This has occurred starting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX. Additionally, I was eligible for forbearance as of XX/XX/XXXXXXXX  as I had been accepted into a XXXX XXXX Lastly, I used the same account information to pay another student loan servicer, XXXX, and have never had any issues. I spoke with my bank and they indicated that Edifinancial did not even attempt to take my money from my account after I received payment confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Paid off accounts in collections but they are still showing up on my report. This is impacting getting a mortgage for a house

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-20 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX 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