vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am disputing the reporting of the following inaccurate addresses on my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX These addresses do not belong to me and appear to have been incorrectly associated with my credit profile. Their continued presence may suggest identity confusion or mixed file issues and could lead to inaccurate reporting or credit risk assumptions.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] provides me the right to dispute incomplete or inaccurate information and requires the bureau to conduct a reasonable reinvestigation within 30 days. Reporting unrelated or obsolete addresses violates these provisions and can cause harm to my credit reputation.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I called ( XXXX ) XXXX on XX/XX/year> provided my login information and was told I would get a call back in 24 hours.

I did not get a call back within 24 hours. 

I then called them on XX/XX/year> after the 24 hours had lapsed.

I gave them my log in information and answered some multiple choice question for security reasons.

I was then told I passed and my account was actually not locked.

Since today I have realized my account has now been locked once again.

I have not attempted a single transaction since the unlocking and re-locking of the account.

I am in the dark.

I am upset.

It is late and I can not sleep.

I have tried getting in touch with their advertised 24/7 service and am unable to reach them.

I was originally getting an automated prompt now I am being sent directly to voicemail.

They have no email.

All they have is this phone number which is a complete revolving door of fools that have no real purpose or power it seems.

I am very worried about fraud since my account continues to be locked.

I know nothing I hope that is not the case but I have no idea because I have XXXX information on the matter. 

I will continue to document my experience with them. I will record phone calls in the future. My father is helping me hire an attorney if this is not resolved. 

I am hoping I do not run into more trouble when trying to close my account in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
All school debt is forgiven through XXXX XXXX ( XXXX ). This school payment was falsefully added as a balance.

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 2025-10-20 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: WA

Complaint narrative:
Experian I have disputed more than 3 times an old XXXX XXXXXXXX account that is listed twice one with the lender and once with a collection agency. The lender XXXX XXXX should be off my file as the seven year window has passed effective XX/XX/XXXX and this should not be reporting. Same account with collection agency XXXX XXXX XXXX and collection agency purposely re-aged the SAME account and put a different date XX/XX/XXXX and same account number. This is illegal per my findings online per FRCA.

Disputed 3 other old aged accounts that are past 7 years old requesting removal and receive nothing from reporting agency except nothing changed. Nothing in writing no proof, it seems poor practices and is affecting my employment, housing and overall life style.

Experian always responds that nothing has changed and supplies me with no information on any account, or documents. I want to see in writing.

I am attaching the account that is published twice on experian for your review and same account is on TransUnion, XXXX  too Transunion Similar disputed were filed 3 times for 3 other accounts that are past the 7 years time area reporting guidelines. I asked to be deleted and removed and no reply, just some generic email with no findings, nothing being done or investigated. Half of the time there website doesn't even work!

In addition supplied them with my bank statements for an old collection from XXXX showing last payment on account was XXXX same things nothing is being corrected or done. 

You can not reach anyone by phone at transunion and their website is always done due to a glitch it says but no one is doing their job and consumers are paying for it with their credit. 

I had a bad time in XXXX with a XXXX XXXX, fell behind and since I am doing all good things and paying all on time since XX/XX/XXXX, I would like correct things to be reflected about my character, and if something should not be reported now it should be removed per my consumer right.

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 2025-10-20 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 Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), this creditor has violated my consumer rights.

Under 15 U.S.C. 1681b ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency is prohibited from furnishing my credit information without my written authorization. My credit information was accessed or shared without my consent, which constitutes a violation of this section.

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late if it was received on or before the due date. I have proof that my payments were made on time, yet the creditor reported them as late, damaging my credit history.

I am requesting a formal investigation, removal of any inaccurate information, and corrective action regarding the privacy violation and false 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 2025-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Bonneville Billing and Collections
State: WY

Complaint narrative:
I am filing a complaint against Bonneville Collections for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. I received a collection notice from Bonneville Collections regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Bonneville Collections. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Bonneville Collections had the legal right to collect the debt. Despite my request, Bonneville Collections failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. Furthermore, Bonneville Collections did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Bonneville Collections immediately cease all collection activities, remove the account from my credit reports, and provide full validation of the debt as required by law. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 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: FL

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently.

FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX -- Opened : XX/XX/year>

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 2025-10-20 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-20 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I contacted you about validation and you gave me the information that was needed. i received a garnishment notice but i was not served properly. You informed about the account I was sued on. The first account, account number XXXX, reference number XXXX originated with XXXX XXXX XXXX XXXX. on XX/XX/XXXX. This account charged off on XX/XX/XXXX with a balance of {$3000.00}. LVNV acquired this account on XX/XX/XXXX. Payments totaling {$2900.00} have been received on this account since it was acquired by LVNV.

A judgment was obtained on the account ending in XXXX on XX/XX/XXXX in the XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  with case number XXXX. Our records indicate that XXXX XXXX was served the summons and complaint on XX/XX/XXXX. Enclosed is a copy of the judgment for review. Because this debt is the subject of a valid, legally enforceable judgment, Resurgent considers the debt to be valid and this dispute to be resolved.BUT THE JUDGMENT WAS SATIFIED AND I PAID YOU OFF I HAVE PAYMENTS TO PROVE IT. PLEASE REMOVE THIS TRADELINE OFF MY CREDIT REPORT IMMEDIATELY BECASUE YOU WERE PAID FOR THIS OR YOU WILL BE HELD ACCOUNTABLE FOR INACCUARCY AND I WILL TAKE YOU TO ARBITRATION AND GET REMEDY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a Care Credit Card, but in my mailbox came a Master Card from Care Credit to upgrade. I did NOT request this upgrade. 
Its deceptive, thinking this was to replace my original Care Credit Card, but looking into it the interest rate was almost 34 %. 
I was not expecting this upgrade in the mailbox ( I live in a rural area ) and anyone could have stolen this card and activated the card I call Care Credit. This card was sent through SYNCHRONY Bank. Its deceveing and I did call Care Credit and told them all of this and I DID NOT want to activate the card because I already have a care credit card. 
I worry that they would have activated it without my permission.

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 2025-10-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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