vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: LA

Complaint narrative:
IQ Data placed a collection for apartment debt allegedly owed to XXXX XXXX. I requested a lease agreement, itemized breakdown, and collection authority, but none has been provided. Without validation, this account is misleading and damaging. I request deletion per FCRA 609 and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
Mohela servicer resumed payments with no warning, no notification, and now sends me delinquency letters. Im under PSLF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
In XX/XX/XXXX, I enrolled in an online coaching program with a company called XXXX XXXX, operated by an individual named XXXX XXXX. The program was sold as a premium 1-on-1 coaching service, including two group calls per week, personalized one-on-one sessions, and recorded calls. The agreed total cost was {$6000.00}, which I asked to split into three payments. XXXX agreed to this arrangement. 

The charges to my Apple Card occurred as follows : {$2000.00} on XX/XX/XXXX ( this charge was later reversed ) {$2000.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX ( this charge was not authorizedI did not agree to recurring payments ) Shortly after starting, I realized the services were not as promised : My first 1-on-1 session included three other clients The two weekly group calls were reduced to just one every 10 days Sessions were frequently canceled or rescheduled at the last minute Promised call recordings were never delivered There was no written contract or agreementeverything was arranged verbally via XXXX XXXXXXXX XXXX The coach eventually told me I wasnt a good fit, effectively ending the relationship without offering a refund I have been trying to resolve this for months directly with the coach and through Apple Card ( Goldman Sachs ) dispute channels . Despite multiple attempts, my dispute was denied. The only documentation the merchant provided was proof of payment receiptsthere is still no contract, no itemized scope of services, and no evidence that the services were delivered as promised.

While there isnt much written evidence because the coach never provided a contract or documented terms, that is exactly the issueeverything was kept verbal or over XXXX to avoid accountability. This lack of transparency, combined with inconsistent service and false promises, raises serious concerns about the legitimacy of the business. I trusted this person in good faith, but his conduct was evasive, misleading, and intentionally vague. 
To validate my concerns, I also obtained a third-party audit from another professional coach, which confirmed that the service structure, delivery, and ethical practices fell far below industry standards and did not align with what was sold. 

I am seeking a full refund of {$6000.00} due to misrepresentation, failure to deliver the agreed-upon services, and an unauthorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX of XXXX  a tractor supply account was opened and my credit score dropped XXXX points. Those points were never regained as its been XXXX months and account is in good standing. The end of XXXX an account was opened with XXXX XXXX, another XXXX point hit to credit score. Im really having a hard time with the legitimacy of this companys business practices as my score has dropped XXXX points in XXXX  months. This is my XXXX complaint in the past XXXX months as to how this XXXX  company scores credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
A debt was reported to my credit by a company I believe may be related to XXXX Money or XXXX XXXX, but I do not have any documentation confirming the origin, balance, or whether it is valid. I may have already paid this debt, but I no longer have access to payment records, and the company has not provided verification. 

I previously disputed this debt through the credit bureau, but I never received clear validation or supporting information. The company has continued to report the account with no update or proof of its legitimacy.

Im now requesting the CFPBs help in investigating this matter and removing the account if it can not be fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-05-31 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: FL

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-05-31 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: FL

Complaint narrative:
In accordance with the Fair Creat Reporting act XXXX XXXX XXXX XXXX | has violated my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-05-31 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:
In accordance with the Fair Creat Reporting act XXXX XXXX XXXX XXXX | has violated my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TOLL BROTHERS INC
State: NY

Complaint narrative:
b'I APPLIED FOR A LOAN  TO PURCHASE MY HOUSE IN XXXX  XXXX  WITH TOLL BROTHERS THE DOCUMENTS IS ATTACHED TO THIS COMPLAINT I WAS TOLD I WAS PREAPPROVED FOR THE HOUSE LOAN I ALSO HAVEA HOUSE LOAN FORM RATE THAT I APPLIED FOR AND I WAS APPROVED FOR ALL THE DOCUMETS IS ATTACHED FROM RATE I WAS TOLD TO EMAIL TOLL BROTHER ABOUT SIGNING THE SALES AGREEMENT I ALREADY EMAIL THEM AT EMAIL ADDRESS eXXXX TO ASK THEM TO EMAIL ME THE SALES AGREEMENT TO SIGN I DID NOT RECEIVE AN ANSWER BACK ALL LOAN DOUMENTS IS ATTACHED FOR TOLL BROTHER AND RATE.  THE LAST TIME THE REPRESENTAIVE TOLD ME TO UPLOAD MY DOCUMENT FOR MY TAXES FOR YEAR XXXX AND IT WAS UPLOADED TO THE ONLINE TOLL BROTHERS ONLINE ACCOUNT.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of this debt and I 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 XXXX XXXX XXXX XXXX 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
On XX/XX/year> i sent {$1000.00} from California to XXXX to my XXXX XXXX XXXX XXXXt. Tracking XXXX. 
On XX/XX/year> at XXXX receiver XXXX XXXX XXXXXXXX to XXXXXXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and provided XXXX passport. Bank refused to give cash because only XXXX passport required or local tax id required to issue local debit card. Company knew it in advance than money will be NEVER received, but concluded contract. In California unjust enrichment more {$950.00} qualified as theft, criminal case. Receiver visited about XXXX different banks in XXXX and all banks refused to give money because only XXXX citizens are able to get usa dollars. Other foreigners are discriminated by XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am disputing two separate charges of {$390.00} each made by XXXX XXXX XXXX to my XXXX XXXX account ( Synchrony Bank ) one in XX/XX/XXXX and one in XX/XX/XXXX, totaling {$790.00}. 

The merchant and XXXX are falsely claiming that I received the services, based on their note that I logged in once and received an e-book via email. This is extremely misleading and not related to the service I am disputing. 

That e-book was a separate purchase costing {$17.00}, paid for with a different credit card ( XXXX XXXX ) not my XXXX account. I provided XXXX with proof of that charge from my XXXX XXXX statement, yet they ignored it and still used the e-book as justification to deny the dispute. 

The product I am disputing was an ongoing coaching/training program that included : Daily Zoom meetings One-on-one coaching Multiple interactive training modules Live access to mentors over several months I never participated in any of those services, and the merchants own documentation confirms that I only logged in once on the same day I purchased the program. That login was solely to change my password, as instructed. I never accessed any materials, never opened any training modules, and never attended any Zoom calls or sessions. 

Despite this, XXXX Credit denied my dispute and added the {$790.00} back to my account with interest, citing lack of proof that a credit was due. I submitted : A detailed dispute letter Evidence of the separate e-book charge A copy of my XXXX XXXX XXXX XXXX XXXX XXXX  complaint ( Case XXXX XXXX XXXX, which the merchant ignored and never responded to XXXX XXXX XXXX has a D rating and multiple unresolved complaints. XXXX has failed to properly investigate this dispute, ignored the distinction between two separate purchases, and is now charging me for a service that was never accessed or provided. 

Important new discovery : I just noticed that the most recent denial I received in XXXX XXXX was based on a merchant statement from XXXX XXXX XXXX  months before I submitted my new dispute in XX/XX/XXXX ( Dispute ID XXXX XXXXXXXX ). 

This means XXXX did not review any of my updated documentation or communication when I resubmitted the dispute. They reused the same response from an older case without properly investigating. This completely undermines the credibility of their decision and further proves that the process was careless and unfair.

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 2025-05-31 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: MA

Complaint narrative:
I have filed a complaint with Experian back in XXXX to correct a late payment on my report, but the issue still remains. 
The late payment is for XX/XX/year> on my XXXX XXXXXXXX XXXX account with over {$12000.00} in credit card limit. The account has been closed in XX/XX/year>. 

My XXXX report shows I made an on time payment for XX/XX/year>, however the experian report shows I made a late payment which is a mistake. 
This payment was made on time and the account was closed in good standing. 
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge that I owe this debt, and I request that you provide documentation to support your claim. Specifically, I am requesting the following : 1. The total amount of the alleged debt, including a full itemization of principal, interest, fees, and any other charges.

2. The name and address of the original creditor.

3. A copy of the original signed contract or agreement which shows I agreed to assume this debt.

4. Documentation showing that you are legally authorized to collect debts in the state of Missouri.

5. A full account history showing how the balance was calculated.

While this request is being reviewed, I ask that you cease all collection activities, including any reporting to credit bureaus, phone calls, or written correspondence, until the debt has been validated.

This is not a refusal to pay but a formal request for validation of the debt as required by federal law. Please respond within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation