vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX - XX/XX/XXXX - {$8400.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4700.00} XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Application ID XXXX Denied me access to my extension of Credit as one of the Creditors which The country is founded on the full faith and credit of the American People This denial of accessing my credit is in direct violation of the Federal Equal Credit Opportunity Act which PROHIBITS DISCRIMINATING AGAINST ANY CREDIT APPLICANTS The Federal Reserve Act, CREDIT CARD ACT, THE CONSUMER LEASING ACT ( CLA ) I AM OF LEGAL AGE AND OF A SOUND MIND WITH CAPACITY TO CONTRACT AND CREDIT SCORE IS IRRELEVANT. 
MY CREDIT EXMPTION IS ASSURED ; IT IS MY SUPERSEDEAS BOND BECAUSE : " No state shall .... make any ... law impairing the obligation of contracts. '' -- Article 1, Section 10 clause 1, of the US Constitution Congress legislated that the new money shall be backed by " the credit of the United States '' and represent " a mortgage on all the ... property of the people in the nation. '' The individual creditor of sub-corporate entity ( Citi Bank N.A. ) operating within the bankruptcy who dishonors a holders recovery of what is due him in dicharge of a public debt places themselves outside of the bankruptcy 's protection from its creditors in equity, and he is then open to involuntary bankruptcy and liquidation of the entities assets to the amount of the debt " My name is my bond! and I do not consent to these proceedings ' and demand reconsideration.

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 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I summited XXXX disputes because my account was charged money from XXXX. I provided proof that I requested and that my XXXX account was closed on XX/XX/year>. The transactions I disputed occurred after XX/XX/year> which should not have happened since my account was closed on XX/XX/year>. Out of the XXXX disputes I had 1 get resolved in my favor even though I provided the same proof and evidence for all 6 of the disputes I filed. I reached out to SoFi and asked how only 1 out of the 6 could be resolved in my favor even though the other 5 transactions were disputed the same way and with the same evidence and they responded with a generic answer without actually answering my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Nothing they said they couldnt find my account and it was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-27 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 XXXX XXXX XXXXXXXX XXXX XXXX. I presume 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 2025-03-27 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: CITY NATIONAL BANK
State: FL

Complaint narrative:
I am filing a formal complaint against City National Bank ( CNB ) regarding its failure to properly process my dispute for a fraudulent charge on my CNB account. Below are the details of the issue : On XX/XX/XXXX, I disputed a charge of {$72.00} on my CNB Card for a transaction with XXXX XXXXXXXX XXXX XXXXXXXX. The charge was posted to my account on XX/XX/XXXX. 
I never received a response regarding my dispute. When I followed up on XX/XX/XXXX, the dispute department informed me that I had not received a response because they considered the charge authorized but never posted. However, this information is incorrect, as the charge was indeed posted on XX/XX/XXXX. 
I spoke with XXXX XXXX XXXX, card fraud /Servicing Lead from CNB ** , who assured me she would personally handle the dispute. She requested that I email supporting documentation to XXXX, which I did. This included an email from the company stating that they would credit my return, an email with a return label they provided, a USPS receipt with a tracking number and screenshot of a USPS web page stating that the package had been delivered to the company 's front desk The documentation I provided included : Confirmation from the company that they accepted the return A return label with a tracking number A postage receipt indicating that the package was delivered to the company 's front desk one week later Despite this, XXXX XXXX XXXX XXXXXXXX never credited my account for the returned merchandise. 
Ten days later, I received a letter from City National Bank requesting the same information I had already submitted. This is a waste of my time and a clear violation of consumer protection laws since the merchandise was returned back in XXXX. 
Given the clear evidence that the merchandise was returned and the company failed to issue a refund, City National Banks handling of this dispute is both negligent and in violation of consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: 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 explanation
Consumer complaint received 2025-03-27 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
My Apple Card account, issued by Goldman Sachs, was unexpectedly closed on XX/XX/year>. The only explanation I received was that the account was closed due to a failure to comply with the terms of the Customer Agreement and later that it was for regulatory reasons. 

I have contacted Apple Card support multiple times asking for clarification on what specific term or regulation I allegedly violated. However, each time, I received vague, canned responses without any concrete explanation. I was not informed of any suspicious activity, identity issues, or overdue payments prior to the closure. 

I have maintained my account in good standing and paid on time. The sudden closure negatively impacts my credit score and financial profile, and I believe I am entitled to a clear, written explanation.

I am filing this complaint to request that Goldman Sachs and Apple Card provide : A specific explanation for why my account was closed Identification of any regulation or customer agreement clause allegedly violated Information about whether the closure was due to internal review or an external requirement An opportunity to appeal or dispute the closure I respectfully request the CFPB assist in obtaining a transparent and formal response from the issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-03-27 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: TX

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process. 

I kindly request that you process this freeze promptly and provide confirmation of its activation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this formal complaint because Equifax has failed to include multiple verified positive tradelines in my consumer credit file, despite these same accounts appearing on one or more of the other major bureaus. 

I submitted a written dispute to the bureau demanding that the following verified accounts be added : XXXX XXXX XXXX XXXX ( Closed, aging account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Selfrent / XXXX XXXX XXXX XXXX ( Installment, opened XX/XX/year>, {$10000.00} high balance ) These accounts are materially beneficial and impact my creditworthiness, especially the Tracirfs installment account due to its age. The failure to include them violates my rights under FCRA 1681i ( incomplete/inaccurate file ) and 1681e ( b ) ( reasonable procedures for maximum possible accuracy ).

I have also formally demanded that the bureau provide : A full explanation of why these tradelines are missing Identification of any suppression orders or instructions Disclosure of any XXXX, XXXX XXXX, or insurer related to their reporting system, under common-law Suretyship Documentation under UCC 3-501 ( b ) ( 2 ) proving the bureaus authority or refusal I am seeking regulatory enforcement and request that the CFPB compel the bureau to : Add the missing tradelines immediately Confirm that all data handling and consumer file omissions are fully investigated Respond in writing with the basis for any refusals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-27 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: IL

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 explanation
Consumer complaint received 2025-03-27 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:
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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX - Incorrect Personal

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 2025-03-27 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: TX

Complaint narrative:
I have been writing, calling complaining to XXXX XXXX and Equifax, Experian, XXXX about this issue. I am highly upset and XXXX off that the accurate information is not being reported. 
I have all evidence that shows paid including statements and bank statements however on my credit file I am losing point after point due to XXXX XXXX FALSE REPORTS!!! 
I am exhausted with the credit bureaus as they are assisting in such error

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