vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: IL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or consent, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the following credit inquiries ; XXXX XXXX XX/XX/year> & XXXX XX/XX/year>. I am requesting these items be deleted from my credit report and permanently blocked in accordance with FCRA 605B.

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 2025-05-25 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or consent, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the following credit inquiries ; XXXX XXXX XX/XX/year> & XXXX XX/XX/year>. I am requesting these items be deleted from my credit report and permanently blocked in accordance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I submitted formal disputes to all three credit bureaus ( Experian, TransUnion, and Equifax ) requesting investigation and deletion of several inaccurately reported accounts. These accounts are not mine, or they contain unverifiable and inconsistent information. Despite submitting my identification, a detailed dispute, and requesting a reinvestigation under FCRA 1681i, I have either received no adequate response or the information remains unchanged.

The following are accounts currently being reported across the bureaus with violations of FCRA and Metro 2 standards : Accounts in Dispute : 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : XXXX XXXX XXXXXXXX No permissible purpose 1681i Failure to properly reinvestigate Metro 2 Violation : Field 17 Disputed status not properly reported 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : 607 ( b ) Failure to ensure maximum accuracy 611 ( a ) Unverifiable information must be removed Metro 2 Violation : Field 112 Original creditor improperly listed or omitted 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : 609 ( a ) Failure to provide evidence of ownership 611 Reporting unverifiable data Metro 2 Violations : Fields 2 & 3 Portfolio classification errors 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : 1681s-2 ( b ) Failure to investigate disputed data 611 ( a ) ( 7 ) No method of verification provided Metro 2 Violation : Conflicting status between bureaus 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am only listed as an Authorized User, yet derogatory information is being reported under my name.

FCRA Violations : 1681b No permissible purpose for attributing debt to an authorized user 1681e ( b ) Failure to maintain accurate data

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 2025-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I want to request a 1099c from the company cause on my credit report it was written off and that is not how to report and i am gone to sue for statutory damages if this isnt removed off my credit report! That is very much fraud to claim written off on my credit report but theyre claiming it on their taxes and I havent received a 1099c and they are still reporting on my credit for late fees .according to the fair credit report act frca 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
As per 15usc 1611 Experian is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : Better Business Bureau. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Account number XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want to request a 1099c from the company cause on my credit report it was written off and that is not how to report and i am gone to sue for statutory damages if this isnt removed off my credit report! That is very much fraud to claim written off on my credit report but theyre claiming it on their taxes and I havent received a 1099c and they are still reporting on my credit for late fees. according to the fair credit report act frca 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report thank you

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 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: LA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover card it at the start of covid 19 a us presidential declared longterm declaration to which payment protection plan would make monthly payments for account holders like me failed to fo so which they have been found guilty of before by this deot cdpb ftc us court an govt to which they were fined an ordered to pay restitution then. They are.doing it again as the penalties are cheaper then honoring the contract they gave with thier customer like me. The amount that are in questions in my card would of resulted in a XXXX balance if they had not Breached our.credit.card agreement contract. Failing to do so caused undue financial burden an mental anguish to me an my family. This case was previously reported an ad a result of my complaint they had enacted the payment protection. An reconciled the account in XXXX XXXX  years after they closed an failed to they issued me a refund check to which I have never cashed showing the I had no.monies due them. They have now.may XXXX have filed a suit to compel a judgment for the original amount due filed by a law office that id.not a member if the bar in XXXX to which us.necessary to.do.so in thier suit they dail.to mention any.of the above an are causing me an my family undue stress financially an emotionally my current state is pending a operation to which is stressful alone an ut ramifications from a accident I am not at fault in. The pending capitol one purchase has a XXXX  day stipulation in the purchase being okd by the govt to which they have to come up with funds for it to go thru beleive that this frivolous suit has been sought. I ask that this dept quash an cease discover card it an bank from any means of causing these types if endeavors an that restitution an penalties be affixed to keep from this undue stress an financial burden being compounded on me an other consumers alike

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: AL

Complaint narrative:
On Wednesday, XX/XX/XXXX, my employer sent my internet reimbursement check to Daily Pay as they always do. This money is normally deposited from Daily Pay into my bank account. It never went in so I looked at my account and saw that the {$44.00} reimbursement check was mistakenly put into Daily Pay system as my pay check dated XX/XX/year>. I called that day 3 times and spoke to a supervisor explaining the issue. Tuesday, XX/XX/XXXX, daily pay showed that I had almost {$200.00} I could access if need be, plus the check for {$44.00} was going to be going in Wednesday so I left it alone until I needed it. On Wednesday, it showed I had no money to access and owed them over {$300.00}. I looked and saw that they already had my XX/XX/XXXX paycheck entered even though XX/XX/XXXX was almost two weeks away. They get my reimbursement check every month but this month, they messed up. I have called them everyday. Ive been lied to repeatedly by their employees. I was told I would hear back in 48 hours and that still hasnt happened. I was told my case would be escalated, I was assured I would have access to my money on Friday, XX/XX/XXXX. On XX/XX/XXXX, I was told I would have full access on XX/XX/XXXX once the pay period fixed itself and my pay period ended, it would correct itself. It is now Sunday, XX/XX/XXXX and I still have no access to any money. I havent recd my reimbursement check nor any funds that I should have access to and they still show I owe them. 
I have explained to every employee and supervisor I have talked to and they all seem to understand the problem but no one can fix it because it is a system issue. That is unacceptable to me. They should not be allowed to play with people money like this and should absolutely be able to override their very broken system. I am beyond upset. I am a single mom with kids I need to feed and the fact that they cant fix problems with their system tells me they shouldnt even be in business. If you cant fix something that is clearly broken, maybe you need to stop s assisting customers until you can get your system fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN ACCORDANCE WITH THE CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES | 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 INTRUCTIONS THIS ACCOUNT SAYS DIFFERENT THING ON MANY THINGS IN MY THREE CREDIT BUREAUS. DATES, CLOSING DATES, AND IT'S SHOWING ME SEVERAL MONTHS OF COLLECTIONS, NOT JUST ONE BUT MANY MONTHS, AND MORE THINGS THAT NONE OF MY THREE CREDIT BUREAUS SAY THE SAME

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 2025-05-25 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Dear LVNV Funding, This letter is to notify you that I dispute the above-referenced debt and request full validation under the FDCPA 1692g ( b ).

Please provide:1. Proof that this account is not a duplicate of the XXXXXXXX XXXX XXXX account already XXXXeported.2. The full original account documentation, including a signed contract.3. An explanation of any differences in balance or ownership.4. The full payment history and legal basis for continued reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
Complaint Against Prosper Loans for Unnotified Missed Final Payment and Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Prosper Loans regarding an unjust negative mark on my credit report. 
I took out a personal loan with Prosper Loans in XXXX to manage unexpected life expenses after being robbed in XXXX. As a XXXX XXXXr who doesnt receive pay during the XXXX  months, I enrolled in automatic payments to ensure timely and consistent loan repayment. Throughout the loan period, every single payment was made on time, without exception. 
However, unbeknownst to me, my final payment in XX/XX/XXXX failed to process. I never received any notification, no email, phone call, text message, letter, or any alert of any kind, from Prosper regarding the failed payment. I checked my email thoroughly, including spam and trash folders. I also reviewed my XXXX call records to verify that I never received a missed call or voicemail. There was no outreach whatsoever from Prosper, which led me to believe that my loan was fully paid off. 
I only discovered the issue when I applied for a new apartment and underwent a credit check, at which point I saw a delinquent mark reported by Prosper. This was a complete shock to me. 
Immediately upon learning of this, I logged into my Prosper account and saw the failed final payment. I reached out to Prosper via email, explaining the situation and asking if the delinquency could be removed from my credit report if I paid the balance immediately. I never received a response. I also attempted to call multiple times but was repeatedly redirected without ever being connected to someone who could assist me. 
I find this deeply concerning and unfair. I fulfilled my financial obligations diligently throughout the life of the loan. The lack of notification for a single, final payment, paired with no response or support from Prosper when I reached out, feels deceptive and predatory. It has negatively impacted my credit report and personal life, including housing opportunities, despite my consistent good faith efforts and responsible financial behavior. 
I respectfully request that the CFPB investigate this matter and assist in having this derogatory mark removed from my credit report. This should not have occurred, and Prosper 's lack of communication and accountability must be addressed. 
Thank you for your time and support.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management ( MCM ) is reporting a debt on my credit report that I do not recognize or believe to be accurate. I have requested validation of the debt, but they have failed to provide adequate proof, such as a signed contract or detailed account statements showing that I am legally responsible for this debt.

Additionally, I have been receiving frequent phone calls from MCM, sometimes outside of the lawful calling hours of XXXXXXXX XXXX  to XXXX XXXX, and some calls are automated or leave multiple voicemails. The calls come from various phone numbers, including local area codes, making it difficult to track and document them. 
Representatives from Midland Credit Management have also used threatening language and harsh tones, including threats of legal action that I believe violate the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors can not use abusive or harassing tactics or threaten lawsuits they do not intend to pursue.

I dispute the validity of this debt and request that Midland Credit Management provide full documentation proving their right to collect it. Until proper validation is provided, I request that all collection efforts, including calls and credit reporting, cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
I am copying and pasting this from my credit report. I am unaware of this account. 
Account name APPLE CARD/GS BANK USA Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXXXXXX  Open/closed Closed Status Account charged off. {$4300.00} written off. {$4300.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Balance {$4300.00} Balance updated XXXX XXXX, XXXX  Credit limit {$3700.00} Monthly payment - Last Payment Date XX/XX/XXXXXXXX  Past due amount {$4300.00} Highest balance {$4300.00} Terms - Responsibility Individual Your statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/year> To : IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX, XXXX, Washington RE : Dispute Of Collections Account IQ DATA INTERNATIONAL Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the intormation on my eredit repor hat Lbelerve o b nadeurate, nomplete, or unvertapute any 1631ia, Which requres that the intormaton be verred, corected, or deleted ih cantot be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 
Thank you for your attention to this urgent matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation