vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: MD

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a full reinvestigation of all items reported, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and raises serious concerns regarding the integrity, accuracy, and reliability of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows 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 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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding harassment and questionable debt collection practices connected to an old loan I had with Acima, the original creditor. 
Recently, I received multiple harassing phone calls from individuals claiming to represent a company called XXXX. These callers have contacted both myself and my in-laws, stating that they intend to sue me on behalf of Acima. When I requested verification of the debt, they were unable or unwilling to provide any official documentation or proof of the debt. They also refused to give a valid company website or contact information. 
Additionally, the callers used intimidation tactics, claiming they were using location services to find me. This conduct appears to violate fair debt collection practices. I would also like to note that this is an old debt, incurred during a period when I lost my job. After making a payment, I was not provided with a receipt, and the company name that appeared on my bank statement was XXXX, which further raises concerns about the legitimacy of this collection activity. I would also like to add in they are calling me from a restricted number. 
I am requesting that the CFPB investigate this matter and ensure that these collectors comply with federal debt collection laws. 
Thank you for your time and attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, We are submitting this complaint regarding an unresolved credit card dispute with Goldman Sachs, the issuer of our Apple Card, involving a charge from XXXX XXXX ( also referred to as XXXX XXXX, or by XXXX XXXX and XXXX XXXX ). 

Summary of the Issue : We signed a contract with XXXX XXXX  for birth doula services. The contract explicitly states that if the doulas fail to attend the birth, we are entitled to a full refund of {$950.00}. Unfortunately, despite our repeated requests and updates during a XXXX labor, the doulas did not arrive until after our child was born. This constitutes a clear breach of contract. 

We charged the {$950.00} to our Apple Card in XXXX payments. Goldman Sachs has refunded {$540.00} of that amount. We are now disputing the remaining {$410.00}, which we believe we are contractually owed. 

Supporting Documentation : We have submitted extensive documentation to Goldman Sachs, including : The signed contract with XXXX XXXX ( highlighted to show the refund clause ). 
Text messages and call logs proving we kept the doulas informed and requested their presence multiple times. 
A birth timeline showing the baby was born at XXXX XXXX  and the doula arrived at XXXX XXXX. 
Letters of support from our midwife and a XXXX-party doula confirming the doulas failure to uphold their responsibilities. 

Despite this evidence, Goldman Sachs has denied our dispute for the remaining {$410.00}. We are deeply concerned by the lack of resolution and the dismissive handling of our case. 

Additional Concerns : The doulas have made false claims in their correspondence, including stating we did not request their presence and making defamatory remarks about my husbands behavior during the birth. These claims are untrue and unsupported by any evidence. 

We are requesting the XXXX  assistance in resolving this matter. We believe this is a straightforward case of a merchant violating a contract, and we are simply asking for the remainder of the refund we are due. 

Please feel free to contact us for any additional information. We are prepared to provide all supporting documentation upon request. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
There saying I owe. Money for a fraudulent account. I didn't authorize this account my signature isn't on this account, and It was Fraudulent and Needs to be Deleted asap. My Name isn't on this account. 



Under section 16 US 1692 G - I need Contract Caller In, to produce the Following Items. Because all of this was fraud. 

XXXX. Send Detailed list of payments history made on this account by me XXXX. I request the signature that was put on this contract that I guarantee to pay this creditor. 

XXXX. Im asking to see if there has been any insurance claim filed on this debt XXXX. I would like to see the chain of Title, to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed a dispute it was approved and chime has not given me my money back yet it's been a week now and I'm fighting with them everyday and it's not helping they don't care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
I was quoted an original loan amount of {$37000.00} for a XXXX XXXX XXXX  on my home with a XXXX  year term, at a 2.99 % rate. As installation got near and it was time to sign the loan documentation, they informed me the loan had gone up to {$52000.00} and with a higher interest of 4.99 % and a XXXX  year term. This markup was not disclosed to me as part of the original quote, forcing me to pay on an inflated figure and higher interest rate. They told me and pressured me to sign since they said all the paper work and permits had been completed and signed. After I told them their employee and sales person, XXXX XXXX had quoted me a different lower amount, the XXXX told me it was a mistake and XXXX did not know what he was doing. They told me I was still liable for the loan since I had previously signed the original contract. I received a letter from Mosaic  a couple months ago stating they will be filling for Bankruptcy and that's when I started to do research on their predatory lending, hidden fees, misleading verbal statements regarding the financials and deceptive structuring of loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
CFPB Complaint Description TransUnion Refusal to Process Verified Dispute Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MO XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX XXXX XXXXXXXX Credit Bureau : TransUnion LLC Complaint Summary : I am submitting this complaint because TransUnion has failed to process my verified dispute, despite my providing full identity verification and official documentation. Their written response to my FTC-submitted dispute states : It appears this request did not come from you or someone youve authorized. To protect your privacy, we didnt process the request. We only process requests submitted directly by you or by someone you've officially authorized This response is false, negligent, and obstructive. I am the verified consumer who submitted the dispute personally, and my identity has been confirmed multiple times through mailed, phone, and online verifications. I also submitted a Federal Trade Commission Identity Theft Report confirming that I am a verified victim of identity theft and data compromise. 
Despite this, TransUnion refused to process my legitimate FCRA dispute and has continued reporting fraudulent and inaccurate public record data ( XXXX  XXXX XXXX, XXXX XXXX. XXXX ) that I have formally contested. This refusal to process my dispute violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681c-2 ) and contradicts FTC consumer protection guidance. 
Their letter accuses me of being an unauthorized third party when I am, in fact, the individual identified in the credit file. This pattern of denying valid consumer disputes has left me vulnerable to further identity theft, reputational harm, and ongoing damage, especially following a national data breach that compromised my personal information. 
Requested Resolution : I am requesting that the CFPB investigate TransUnions conduct and require that : TransUnion acknowledge and process my dispute as submitted directly by me. 
TransUnion remove the inaccurate and unverifiable bankruptcy record and any related entries that can not be fully validated. 
TransUnion provide written confirmation of compliance with the FCRA and FTC identity-theft protections under 1681c-2. 
TransUnion be held accountable for issuing false and misleading responses that block legitimate consumer investigations. 
I have acted in good faith and followed every required procedure under federal law. TransUnions response has not only obstructed my rights under the FCRA but also left me exposed to continued fraud and data misuse despite verified FTC documentation.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AR

Complaint narrative:
The company crown asset management started sending me papers saying they are going to sue me over a debt I have no clue about I have reached out to the numbers to be waiting for hours out of a day for someone to get on the phone then sent several of emails and no one emailed me back so if Im getting sued why is no one giving me more information just papers get sent to my house about getting sued .. I need to know is this a scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I feel like the company was very dishonest about the whole situation and lied about how it worked and im not paying it anymore, especially after having another company call and lie and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I reviewed my Early Warning Services ( EWS ) Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or removed.

Company response to consumer: Closed with explanation