vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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 am requesting a complaint with the help of the CFPB regarding that I have submitted multiple FTC Identity Theft Affidavit attached reporting 2 separate accounts appearing on my consumer Factor Trust report which I do not recognize as reported and which are the result of identity theft and fraud. This formal complaint challenges the reinvestigation with the help of the CFPB of the disputed item ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX GA and the Account : Personify on my Factor Trust credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ). Therefore, Factor Trust claim of verification through the creditors either was demonstrably false and constitutes either a serious error or a willful misrepresentation. Under the FCRA and related statutes, I am asserting my rights as follows : -15 USC 1681i ( 611 ) Reinvestigation of disputed information -15 USC 1681c-2 ( 605B ) Blocking of information resulting from identity theft -15 USC 1681b ( 2 ) Permissible purposes for accessing consumer reports- 15 USC 1681q Unauthorized disclosures of consumer information -15 USC 1681a ( 4 ) Definition of consumer report - 18 USC 1028A as it was not obtained or verified for a permissible purpose. Factor Trusts continues reporting of this inaccurate information violates the FCRA and subjects XXXX to potential statutory damages of up to {$1000.00} per violation, including defamation and negligent enablement of fraud. Finally, I was included in the recent TransUnion Class Action Lawsuit, which further highlights the pattern of improper reporting and failure to comply with federal consumer protection laws. I am demanding : - Immediate reinvestigation of the disputed accounts and address - Permanent removal of the record from my credit report - Written confirmation of the actions taken Please consider this letter as formal notice that I am maintaining detailed records of all correspondence and actions related to this matter. Failure to comply with the FCRA and remove this fraudulent information promptly will result in further pursuit of my legal rights

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 2025-07-28 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I experienced severe financial hardship in XXXX  due to unemployment and contacted Discover multiple times to request hardship assistance for my credit card account. I explained I had no income and could not afford the monthly payments but wanted to resolve my situation. I specifically asked if Discover offered any forbearance, payment suspension, interest reduction, or balance settlement options. I was consistently told no hardship options were available unless I authorized a payment first, which I was not in a position to do. 

Despite clearly explaining my financial situation, Discover continued to add interest and fees and refused to explore solutions unless I agreed to make a payment. I made a payment of {$88.00} in good faith in XX/XX/year> and requested a full payment history in writing, which I never received. Discover has not worked with me in any meaningful way, and their representatives repeatedly dismissed my hardship without offering any real assistance. I am now unable to pay, and they continue to report my account as delinquent, despite my good faith efforts to communicate and seek help. 

I am requesting full discharge of the balance, removal of all negative credit reporting related to this hardship, and an investigation into how Discover treats consumers who disclose legitimate financial hardship. 

As a consumer experiencing genuine hardship, I should not be punished for asking for help. I am filing this complaint to seek accountability and ensure this doesnt continue happening to others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
my old buddy stole my wallet when I needed a place to stay. I was un aware of it and he applied for a bunch of credit cards and maxed them out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against Carter-Young , Inc. , a debt collection agency, for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Carter-Young is attempting to collect on an alleged utility balance from my former residence at XXXX XXXX , a student housing facility. However, according to my signed lease, all utility payments were managed and paid through a third-party service called XXXX, and my account with XXXX shows a XXXX balance. I received no documentation from XXXX XXXX or any successor manager showing I owed any post-move-out balance. 

I have submitted XXXX formal debt validation letters ( most recently on XX/XX/XXXX ) requesting : Proof of the alleged debt Signed lease agreement Full accounting Proof of assignment or legal right to collect Their Nevada debt collection license Carter-Young has not responded to any of these letters. Despite this, they continue to report this unvalidated debt to the credit bureaus, causing direct harm to my credit profile. 

Major Legal Concerns : Carter-Young is not licensed in the State of XXXX to collect debts, a violation of XXXX XXXX XXXX and therefore has no legal authority to collect from me. 

The address they are reporting for me is XXXX, XXXX, which is completely false. I have lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX since XXXX. This exposes me to identity theft, misdirected correspondence, and credit offers sent to the wrong location. In addition, I am unable to correct the address on my file because they claim to have verified I live at an address in a city I have never been to. 

They have never responded to my validation requests, which is a violation of FDCPA XXXX ( b ). 

Continuing to report the debt without validating it constitutes a violation of FCRA XXXX ( b ) and FDCPA XXXX ( XXXX ) ( failure to report debt as disputed and furnish accurate information ). 

The failure to provide a bonding agent name, proof of debt, or even a signed contract is disqualifying under FDCPA and XXXX  law. 

Requested Resolution : -Immediate and permanent removal of this tradeline from all credit reporting agencies -Written confirmation that Carter-Young has ceased all collection activity -Penalties and enforcement action for : Failing to validate the debt Reporting a false address Operating in Nevada without a license -Forwarding the complaint to the Nevada Attorney General and FTC for additional investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received a JetBlue Premier card in the mail. I recognized the mailed card on Sunday evening XXXX XX/XX/year>. I will call them in the morning to cancel the card.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX, I was denied a XXXX XXXX XXXX due to adverse information on my XXXX  credit report. Furthermore, the information was reported by Truist Bank who purchased the XXXX " Charged-Off '' account from SunTrust Bank . I contacted Truist Bank 's recovery department and explained the situation. After a significant amount of time on hold the representative could not locate or verify they account number ( XXXX ) that appeared on my credit report but located what he assumed was the correct account ( XXXX ) in association with the secured credit card issued by SunTrust to me in XXXX. Therefore, he emailed me a pay off quote. Also on XX/XX/XXXX, the XXXX ( XXXX ) debt was reported to my XXXX  credit report as being " Open '' and under " Revolving Credit. That is illegal and unethical business practices. To date, I am unable to obtain a federal student loan, to further my XXXX XXXX ' XXXX XXXX, due to the erroneous and outdated information that Truist continues to report to the credit bureaus

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing a collection account being reported on my credit file by Credit Corp Solutions Inc on behalf of XXXX XXXXXXXX Bank. 

The account is listed as open and is currently reporting on my credit file with XXXX XXXX and XXXX. 

I have not received proper validation of this debt, nor any supporting documentation confirming the legal right of this collector to report this account. I am requesting immediate investigation and action in accordance with my consumer rights under FCRA Section 1681 and FDCPA Section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  SV FCU # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I routinely checked my credit report and, to my surprise, found several inaccuracies that hadnt been there before. I refreshed the page hoping it was just a system glitch, but nothing changed. Im now asking for a thorough review of the documents Ive provided to ensure this issue is addressed properly and doesnt cause me further stress.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It may Concern, I am writing to formally dispute and demand the immediate removal of following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts and inquiries from my credit report due to identity theft. These accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-07-28 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: MD

Complaint narrative:
I am a victim of identity theft, and my credit report contains accounts and inquiries I did not authorize. These items are inaccurate and should be removed. 

Under Section XXXX of the Fair Credit Reporting Act ( XXXX  ), I request that you block and delete the fraudulent entries. Attached are a list of disputed items and my FTC Identity Theft Report. 

Please investigate and confirm removal in writing. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-28 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: PA

Complaint narrative:
Subject : Complaint Against Bureau for Noncompliance and Delay Dear CFPB, I am filing a complaint against Experian for failing to properly investigate disputes submitted over a month ago. Their refusal to act is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has caused financial hardship. 

In XXXX XXXX XXXXXXXX XXXX XXXX XXXX it was ruled that agencies must promptly investigate disputes. I respectfully request : 1. Immediate deletion of the inaccurate items XXXX. $ [ 2000 ] compensation for damages XXXX Review of the following : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Reporting Accuracy - Please provide evidence that this late payment was reported accurately, including payment history records. 
XXXX. XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - 15 USC 1692e ( 8 ) : Communication of False Information- Verify that no false or misleading information about this account was communicated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 USC 1692e ( 8 ) : Communication of False Information- Verify that no false or misleading information about this account was communicated. 
Please confirm receipt and inform me of next steps taken. 
Sincerely

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 2025-07-28 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It may Concern, I am writing to formally dispute and demand the immediate removal of following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts and inquiries from my credit report due to identity theft. These accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt.

2. Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim.

3. Affirm charged off the debt and reported it as a profit and loss write-off but failed to issue me a 1099-C, which is required under 26 U.S. Code 6050P. This not only violates IRS regulations but denies me the ability to correctly file my taxes and may constitute both a FCRA and tax code violation.

Thank you. I will await your reply Status Account charged off. {$510.00} written off. {$510.00} past due as of XX/XX/year>.

Company response to consumer: Closed with explanation