vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ma XXXX XX/XX/year> Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number XXXX & XXXX To Whom It May Concern, I am writing in regard to the above-referenced account. Please consider this letter as a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I respectfully request that you provide the following : 1. The name of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, or other charges.

3. Copies of any judgment or agreement that you claim gives rise to the debt.

4. Verification that your agency is authorized to collect this debt in my state.

Until you provide this documentation, please cease all collection activities, including reporting this debt to credit reporting agencies. Be advised that any failure to provide the requested validation or continued collection efforts without it will constitute a violation of the FDCPA.

This letter is not an acknowledgment of liability for the debt in question. I expect your reply within the time frame allowed by law. 
Sincerely, 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ma XXXX XX/XX/year> Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number XXXX & XXXX To Whom It May Concern, I am writing in regard to the above-referenced account. Please consider this letter as a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I respectfully request that you provide the following : 1. The name of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, or other charges.

3. Copies of any judgment or agreement that you claim gives rise to the debt.

4. Verification that your agency is authorized to collect this debt in my state.

Until you provide this documentation, please cease all collection activities, including reporting this debt to credit reporting agencies. Be advised that any failure to provide the requested validation or continued collection efforts without it will constitute a violation of the FDCPA.

This letter is not an acknowledgment of liability for the debt in question. I expect your reply within the time frame allowed by law. 
Sincerely, 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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Control, LLC
State: OK

Complaint narrative:
Recieved letter stating I owe this bill. It is a XXXX old collection their demanding payment on. I spoke to them and they laughed and they hung up. XXXX minute later I called and said your trying to collect a debt that is XXXX yrs old they informed me they can still collect. From a XXXX  debit it shows XXXX THEY ARE CHARGING XXXX in interest totaling XXXX they are demanding payment on. Its in the name XXXX XXXX XXXX I dont go by that name

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 2025-08-27 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: OK

Complaint narrative:
I reviewed my credit reports and found multiple accounts and inquiries that are being reported inaccurately and without proper verification. A XX/XX/XXXX account is showing derogatory late payments even though no billing records have ever been provided. Both XXXX and XXXX XXXX are reporting charged-off accounts with inconsistent dates, balances, and past due amounts that suggest re-aging of the debt. Several collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are reporting balances without providing contracts, itemized statements, or proof of assignment, and in some cases the reporting appears to be duplicate or overlapping. In addition, there are multiple hard inquiries on my file between XX/XX/XXXX and XX/XX/XXXX from XX/XX/XXXXXXXX, and XXXX XX/XX/XXXXXXXX but no signed authorization or permissible purpose has been shown for these inquiries. These errors remain unresolved and are causing ongoing harm to my credit profile.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
WHEREFORE, Plaintiff, XXXX XXXX XXXX, Living Woman, XXXX XXXX, not XXXX, respectfully demands judgment against Defendants, jointly and severally, and prays this Court award the following relief : Compensatory Damages ( Economic Losses ) For lost income, career advancement, and business opportunities wrongfully suppressed by Defendants misconduct, in an amount no less than {>= $1,000,000}. For denied housing, forced homelessness, loss of security deposits, and financial instability directly caused by false reporting, in an amount no less than {$500000.00}. For direct fraud losses ( hacked accounts, unauthorized withdrawals, phone hijacking ), in an amount no less than {$25000.00}. Non-Economic Damages ( XXXX, XXXX  & XXXX  ) For severe XXXX  XXXX, XXXX, XXXX, anxiety, and the irreparable trauma of losing access to children, family life, and stability, in an amount no less than {>= $1,000,000}. Punitive Damages For Defendants willful, reckless, and malicious violations of the FCRA, XXXXACTA, FDCPA, and Florida consumer protection laws, and for their deliberate reclassification of accounts and suppression of positive tradelines, in an amount not less than {>= $1,000,000}. Constitutional and Civil Rights Damages Pursuant to 42 U.S.C. 1983, for deprivation of Plaintiffs rights under the 14th Amendment ( due process and equal protection ), compounded by regulatory failures of the CFPB, FTC, and Florida Attorney General, in an amount no less than {>= $1,000,000}. Declaratory and Injunctive Relief An order directing Defendants to immediately delete all inaccurate, fraudulent, and reclassified entries on Plaintiffs credit files. An order compelling Defendants to reinstate all suppressed positive tradelines, including mortgage, utilities, telecommunications, and paid accounts. A permanent injunction prohibiting Defendants from further reporting false or misleading information about Plaintiff. Costs, Fees, and Any Other Relief Award of court costs, expert witness fees, and any other relief this Court deems just, proper, and equitable. Total Demand : {>= $1,000,000} ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( plus continuing damages, costs, and equitable relief ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX '' XXXX XXXX from the Apple Store at XXXX XXXX using the Apple Card 12-month payment plan. A few days later, on XX/XX/year>, I decided I didnt want to finance the purchase, so I paid it off in full. 

Later, on XX/XX/year>, I exchanged the XXXX '' XXXX XXXX for a XXXX '' model because I preferred the smaller size. At the Apple Store, I asked the associate to place the new purchase on my Apple Card, which she did. She informed me that once the refund for the original purchase was processed, I could call Goldman Sachs and have them apply the credit to the new 12-month installment plan, effectively paying it off. I agreed. 

That same day, I saw the refund credit appear on my Apple Card account and called Goldman Sachs to request that the credit be sent to my XXXX XXXX XXXX account. The representative gave me two options : leave the credit on the account or transfer it to my bank. I chose to have it transferred. 

On XX/XX/year>, I received a message from Goldman Sachs stating that a credit reversal of {$100.00} was being sent to my bank. I contacted them via chat and phone, but both representatives told me that Goldman Sachs decides how the credit is handled not me. I explained that I wanted the credit applied to pay off the {$700.00} installment plan, as I prefer not to carry balances on credit cards. The representative refused and repeated the same response. 

I called again and spoke with a manager, who claimed that government regulations prevent them from applying the credit in the way I requested. Frustrated, I contacted the Apple Store, and they mentioned that theyve been seeing similar issues with Goldman Sachs more frequently. 

I currently have a credit of approximately {$900.00} on my account, and I want {$700.00} of that applied to pay off the installment loan. That would leave a remaining credit of {$200.00}. Goldman Sachs has not been clear or helpful in resolving this issue. Apple is trying to assist, but Goldman Sachs is not holding up their end. I simply want my credit applied to cover the {$700.00} installment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-27 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-27 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: GA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX and I was in yall local branch on XX/XX/year> at M & T Bank Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX to open a saving and checking account but they refuse to open a checking and saving account for me because they couldnt take my check to open my accounts open because it have my name or written back on it but I told them I never cash it or use it or mobile deposit it and I dont know their name was but they refused to and I want them to be investigated and punishment and I want yall to contact them and tell them to open my two accounts up and deposit my check etc if yall cant help me please check if I dont have any active accounts open with yall I shouldnt have open and please close them for me my ssn is XXXX etc.

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 2025-08-27 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-08-27 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: SC

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 ] Account Number : [ XXXXXXXX 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 2025-08-27 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
A parent go loan was taken out in my name. The name is wrong, im not a senior, the address is wrong, the date of birth is wrong. The only thing is correct is my social security number. I didnt sign for this loan and the come Aidvantage fraud division is currently investigating and there are 2 schools involved, XXXXXXXX XXXX and XXXX and we are applying for a home loan having to start over due to extreme and severe neighborhood violence and security issues a son battling XXXX, having buried XXXX children and unable to obtain the perfect house with the perfect price due to a XXXX loan that we didnt take out This has ruined my credit. I'm not a student I'm XXXX XXXX XXXX and need to get a safe place to live for me and my family..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation