vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I noticed several new inquiries on my credit profile that I did not authorize nor consent too. I have been in frequent contention with Equifax throughout this year so far behind what I believe to be a breach of data resulting in various fraudulent accounts and inquiries arising on my credit profile. I have already taken the liberty of filing an FTC report, that of which you can find attached to this report as well as a copy of the dispute letter I sent to each credit bureau. 

The following inquiries are unauthorized and non XXXX. XXXXXXXX XXXX Opened XX/XX/year>. 
XXXX. XXXX XXXX ( FINANCE ) Opened XX/XX/year>. 
XXXX. XXXX ( BANK ) Opened XX/XX/year>. 
XXXX. XXXX XXXX Opened XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/year> XXXX. XXXX Fed XXXX XXXX Opened XX/XX/year> XXXX. XXXX XXXX ( Bank ) Opened XX/XX/year> XXXX. XXXX XXXX XXXX Opened XX/XX/year> 2025

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 2025-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I noticed a XXXX debt from National Credit Management from the XXXX XXXX XXXX XXXX XXXX XXXX This debt was placed in collection since XX/XX/XXXX. I called them and they stated that a manager would call me back as the information didn't match up with the information I provided such as XXXX. A manager never called me back. I have never recieve correspondance or any additonal information about this debt other than it showing up on my credit report. I haven't lived in Texas in over 20 years. I reside in XXXX  and go to college in XXXX  as well. Since then, I've been given the run around without resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
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 TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : Chapter XXXX Bankruptcy # XXXX - XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
On XX/XX/year> I received a text communication from XXXX XXXX, a debt collector for an outstanding credit card balance I have and am unable to pay. 

They have sent these texts before, twice in XXXX and once in XXXX of this year. I responded with STOP at XXXX to the one received XX/XX/year>. 

Surprisingly, I just found a new one from them from XX/XX/XXXX of this year. I texted stop with no confirmation message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$850.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Subject : Request to Block Fraudulent Hard Inquiry from Credit Report Pursuant to FCRA 605B To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of a fraudulent hard inquiry that appears on my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The unauthorized inquiry in question is as follows : Creditor Name : XXXX Inquiry Date : XX/XX/year> This hard inquiry was not initiated, authorized, or consented to by me and is the result of identity theft. I have never applied for credit with LIGHTSTREAM, and this inquiry does not reflect any action taken by me.

As required under FCRA 605B, I request that you block and remove this fraudulent inquiry from my credit file within four ( 4 ) business days of receiving this request.

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 2025-05-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I signed up for a free trial of the XXXX app. After attempting to use it, I realized that the app could not do what it advertised, so I never used it again. As a busy student and parent, I forgot to cancel the trial and received no warning or notification that the subscription would auto-renew for {$130.00}. 

When I contacted Apple to request a refund, they denied it and blocked me from escalating the issue further. I then reached out to Speechify directly, and they told me that all billing is handled through Apple and they could not issue a refund.

To make matters worse, I discovered that the {$130.00} charge was billed to my Apple Card ( XXXX XXXX XXXX XXXX which is not linked to my Apple ID for subscriptions or App Store purchases. Despite changing my Apple Card settings, unauthorized billing still occurred. This is deceptive and feels like predatory behavior that preys on consumers who forget to cancel free trials. 

I did not use the service, I did not authorize this charge on that card, and I should not be forced to pay for a full year of something I dont use and never intended to purchase. I am requesting a full refund of {$130.00} and a review of how this charge was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I saw several suspicious unauthorized soft inquiries made on my TransUnion credit report ; specifically XXXX inquiries made via TransUnion Interactive dating from XX/XX/XXXX - XX/XX/XXXX. All attempts on XX/XX/XXXX and XX/XX/XXXX to understand what these inquiries were and how they were made were either directed towards filing an identity theft report with the FTC or a runaround on how soft inquiries don't affect credit scores. I was not able to receive information on what the inquiries were about despite my attempts to ask for that information.

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 2025-05-10 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am filing this non-duplicative complaint against Barclays Bank Delaware for their failure to validate, investigate, or resolve a fraudulent {$8500.00} charge on my account ending in XXXX, stemming from a transaction with XXXX XXXX XXXX and XXXX XXXX I paid {$8500.00}, but no goods or services were delivered, constituting fraud. On XX/XX/XXXX, I sent Barclays a demand letter requesting validation, a detailed investigation outline, and a refund, but Barclays responded that " no new information exists, '' refusing to comply. This deliberate indifference violates multiple laws, causing financial harm and credit damage. 

Fraudulent Charge : The {$8500.00} charge relates to a transaction with XXXX XXXX XXXX, who, along with XXXX XXXX, failed to deliver any goods or services ( XXXX XXXX XXXX ), rendering the debt fraudulent without validation. 
Barclays Failures : Barclays has not provided validation ( e.g., signed agreement, proof of delivery ), an investigation outline, or any evidence to support the debts legitimacy, despite my XX/XX/XXXX demand. Their claim of " no new information '' dismisses their legal obligations, showing deliberate indifference. 
Impact : This unresolved fraudulent debt harms my credit score, causes financial distress, and denies me rightful access to the {$8500.00} stolen by XXXX XXXX XXXX. 
Prior Actions, which did not address this specific validation and investigation failure. 
Legal Violations : FCRA 1681s-2 ( b ) : Barclays must investigate disputes within 30 days ( due XX/XX/XXXX ) ; their failure to provide an investigation outline violates this section, justifying removal from credit reports. 
FCRA 1681s-2 ( e ) : Barclays must disclose verification procedures within 15 days ( due XX/XX/XXXX ) ; their refusal to provide this information breaches transparency requirements. 
FDCPA 1692g : Barclays and must validate the debt within 30 days of my dispute ; their failure to do so, as affirmed by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), requires cessation of collection. 
FDCPA 1692e : Claiming " no new information exists '' while pursuing an unvalidated debt misrepresents its legitimacy, violating this section.

FCBA 1666 : I dispute this {$8500.00} as a billing error ( no goods received ) ; Barclays failure to investigate and refund violates FCBA.

FTC Act 5 : Barclays deliberate indifference to fraud by XXXX XXXX XXXX is an unfair practice, causing substantial harm. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Pursuing a fraudulent debt without validation or investigation is a deceptive practice under Ohio 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Complete Credit Solutions, Inc.
State: AL

Complaint narrative:
I disputed a collection account from Complete Credit Solutions thats showing on my XXXX credit report. The debt supposedly came from XXXX XXXX and is listed with a balance of {$1300.00} and a date of first delinquency in XX/XX/XXXX thats over six years ago. 

I sent a certified dispute letter on XX/XX/XXXX, asking for validation. What I got back wasnt actual proof it was just some generic paperwork that didnt even have my signature or anything showing that CCS has a legal right to collect or report this. No chain of assignment, no contract, nothing that proves this debt is even mine or that they can collect it. 

The debt is clearly time-barred under Alabamas XXXX XXXX of limitations, but theyre still reporting it to XXXX  like its active. Thats not just inaccurate its misleading. This has hurt my credit, caused me stress, and made it harder to get approved for things I need. Its affecting my life, and theyve had more than enough time to do the right thing. 

All I asked for was proof. If they dont have it, they should stop reporting it. But they didnt validate, and now theyre ignoring the law and damaging my credit in the process.

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 2025-05-10 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've submitted document, Affidavits, police reports, forms Driver License ETC ... Transunion sent me a computerized letter denying my rights set form Fair Credit Act and 605b Fraud. removing/ blocking information on credit report. 


We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to vou. 
Re : Fraud Block Request Declined We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, TransUnion at this time declines to block the information you have identified because either the item reflected a historv of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred Therefore, in accordance with Section 605B of the FCRA. we have determined that the block request mav have been made in error : is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction.

Although we are unable to block the above- referenced items ), we initiated an investigation into the accounts and/or public records listed in your request and will contact the data furnisher to verify the current status. You will receive the results of your investigation within 30 days of today, once the entire investigation is complete.

If you are able to obtain additional information, such as a letter from the data furnisher ( s ) or a court document to support your claim of identity theft and supply it to TransUnion, we will review the additional information and, if acceptable, we will close the investigation and block the applicable items within 4 business days of receipt.

You also have the right to add a 100-word statement to your credit report describing your situation so that anyone who views your report will see this statement. Please know that if you include any medical information in vour statement. this means that you're giving TransUnion permission to include that information in any future credit report we issue on your behalf. Be advised that a consumer statement stavs on vour file until vou request its removal, even if the item referenced in the statement is removed from your credit report for any reason.

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 2025-05-10 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: FL

Complaint narrative:
RE : Request for Debt Validation Reporting on TransUnion Only I recently obtained a copy of my credit report and noticed that your company, XXXX XXXX XXXX, is reporting an account solely to the TransUnion Credit Bureau. This letter serves as my formal request, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), for full validation of the alleged debt.

As required by law, I am requesting that you immediately cease all collection activities and furnish the following documentation for verification : Proof that I owe this debt Provide documentation showing that I am legally obligated to this debt, including a copy of the original agreement or signed contract bearing my signature. 

Breakdown of the debt Supply a complete itemization of the amount claimed, including : Principal balance Accrued interest Fees Any additional charges Proof of your legal authority to collect Include a copy of the agreement or contract transferring ownership or collection rights from the original creditor to your agency. 

Account history Provide the full payment and activity history of the account, including : Date the account was opened Date of the last payment Any charges, adjustments, or credits made Original creditor information Identify the name, address, and contact information of the original creditor associated with this debt.

Until this validation is provided, I am disputing the accuracy and legitimacy of this account. If you are reporting this information to TransUnion, you are required under 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA to mark the account as disputed by consumer during the pendency of this validation process.

Failure to comply with these obligations, including continued reporting of unvalidated or inaccurate information, may result in legal action being taken against your agency. This includes potential claims for statutory damages, attorneys fees, and injunctive relief.

This is not a refusal to pay, but a good faith request for debt validation and my rights as a consumer under the FDCPA and FCRA. Please respond within 30 days of receipt.

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 2025-05-10 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: NJ

Complaint narrative:
TransUnion has placed information on my credit report that is blatantly false. 
They have placed on my account that the U.S Department of Education is owed by me, {$1100.00} dollars, that I established an account with the U.S. Department of Education in XXXX of XXXX, and that the account was closed on XXXX of XXXX. Which is false, I have not taken out a loan with the U.S, Department of Education since XXXX, I am XXXX XXXX XXXX and have not been in school since XXXX. I paid the school back for a {$500.00} dollar loan in or about XXXX. I also have been out of the country since XX/XX/XXXX, so I certainly did not take out a loan in XXXX. Also it is illegal to state that a debt that was purchased by a collection agency is owed to the XXXX Department of Education when it is actually owed to the collection agency, they have provided false information to TransUnion and TransUnion is telling me that I need to contact the Department of Education, why they have already charged this off and sold it to the collection, who is providing false information to TransUnion. I am on a fixed income and can not afford to pay back something that I do not owe, nor should I have this old debt of 41 years be on my credit report, I believe that is illegal.

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