vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I am filing this complaint to formally dispute and expose multiple legal violations committed by the XXXXXXXX XXXX XXXX XXXX ( XXXX ) regarding charges from the XXXXXXXX XXXX  program. These actions include financial abuse, XXXX and XXXX violations, discrimination against a XXXX veteran, and improper collection tactics. 



XXXX. Unlawful Charges & XXXX XXXX I was enrolled in a XXXX XXXX session. My education is covered fully through VA benefits, and I submitted a doctors note excusing my absence from XX/XX/XXXX through XX/XX/year> due to a serious medical condition. Despite this : I was charged {$260.00} for a program I was medically excused from. 
I paid {$200.00} out-of-pocket already. 
They later billed me an additional {$460.00}, claiming the VA overpaid. 
They have now escalated the balance to collections with no proper validation. 

These charges are unjustified and predatory. I do not owe this debt and demand immediate resolution. 



XXXX. Legal Violations The XXXXXXXX XXXX XXXX XXXX  has violated multiple state and federal laws : a. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 They escalated a disputed, unvalidated debt to collections. 
They failed to provide proof of the debt when requested. 

XXXX HIPAA Privacy Rule Violation 45 CFR 164.502 I submitted sensitive medical documentation. 
The school used or disclosed this information improperly when siding with the instructor and penalizing me. 

XXXX Americans with Disabilities Act ( ADA ) 42 U.S.C. 12182 I am a XXXX XXXX XXXXXXXX veteran. 
I was dropped from a class despite presenting a doctors excuse. 
This constitutes XXXX discrimination and a failure to accommodate. 

XXXX VA Education Benefits Mismanagement 38 U.S.C. 3690 The school claimed the VA overpaid and is billing me to recoup funds. 
VA overpayment due to school error is not the students liability. 

e. Higher Education Act Misrepresentation 20 U.S.C. 1094 The school charged for programs not attended. 
This may be a misrepresentation of program costs or student obligations. 

f. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Attempting to damage my credit through reporting an invalid and disputed debt is a violation. 



XXXX. My Demands I demand the following : Full cancellation of the {$460.00} debt and confirmation that no balance is owed. 
Immediate removal from collections. 
A cease-and-desist issued to all debt collectors involved. 
Investigation into the misuse of my private health information. 



XXXX. Legal Escalation If Not Resolved If this matter is not resolved within XXXX business days, I will escalate it to : Consumer Financial Protection Bureau ( CFPB ) Department of Veterans Affairs U.S. Department of Education Office for Civil Rights ( ADA ) Department of Health and Human Services ( HIPAA ) I am prepared to pursue civil litigation for damages, emotional distress, and unlawful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused XXXX XXXX XXXX and has significantly XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX dealing with these unresolved discrepancies has been XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with DPT EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DPT EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
The list of transactions attached to this letter has been reported repeatedly. There are XXXX transactions totaling {$240000.00}. These transactions have been sent in numerous letters to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX P.O. XXXX XXXX XXXX, PA XXXX as well as I have in at least XXXX separate instances sent all these transactions into a dispute XXXX through the messaging feature to have them report all this activity and reconcile for any missing activity. However, this still remains unresolved. Its absolutely ridiculous. 
Now youre denying my fraud claim, without providing any evidence of the investigation your team did or any of the evidence or support you reviewed. However, you continually ask me to provide new information or new evidence for fraudulent transactions, when I have no information or evidence because the transactions are fraudulent. What information or evidence would you like me to create for you for fraudulent transactions? XXXX not going to XXXX. So you tell me what information and evidence you need. Why dont you provide your information and evidence of the investigation you did to research these fraudulent charges? Instead, you make broad, blanket statements to protect Goldman Sachs and XXXX the customer, placing the burden of proof on the customer rather than requiring Goldman Sachs to prove its innocence and conduct an investigation into the fraudulent transactions. 
I reviewed my statement and noticed transactions that I did not make, did not authorize, did not allow, did not benefit from, did not participate in, and did not allow someone else to make or authorize, for which I have no knowledge. I reported the transactions as soon as I identified them, as things didnt make sense on my account, and I couldn't understand why my monthly payments were increasing. 
Also, in retaliation, Goldman Sachs closed my account for reporting fraud, yet markets a 0 % fraud liability protection. The amount of fraud Goldman Sachs allows to occur is on Goldman Sachs, not on me as a customer. Why would I not report the fraud, regardless of how much it occurred? Would you want to pay for something you didnt purchase? Would you want your credit impacted by something you didnt purchase? Therefore, the fraud was reported, and Goldman Sachs closed my account in retaliation, without contacting me to explain why or provide any information. This is illegal and retaliation. 
Especially when Goldman Sachs can not prove or provide any evidence that it actually did an investigation of the fraudulent charges, outside of making blanket statements. Goldman Sachs provided no evidence of benefit from the transactions and offered no explanation beyond generic, blanket letters with no specific information or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 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: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a hard inquiry from capital one and I dont use them at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, when I reviewed my credit report as I normally do, I unexpectedly found some discrepancies. I thought it might be a temporary issue, so I refreshed my browser, but the inaccurate accounts remained. Therefore, I kindly request that the documents I provided be thoroughly reviewed to resolve this matter and put my mind at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a full identity theft block request to TransUnion on XX/XX/year>. This included : XXXX FTC Identity Theft Reports ( XXXX XXXX XXXX XXXX XXXXXXXX ) Valid ID, Social Security card, and utility bill A letter listing all accounts that were opened fraudulently Under FCRA 605B, TransUnion is legally required to block the disputed accounts within 4 business days. It has now been over a week with no response or action taken. This delay is unlawful and unacceptable.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$510.00} XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XX/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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently used to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The account listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or an account I have opened. It is the result of identity theft XXXX. The inquiry was not authorized INFORMATIV Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation