vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MA

Complaint narrative:
On XX/XX/year> I purchased pants from XXXX where a discount code that showed in my final cart, disappeared while using XXXX XXXX. Since it disappeared I simply placed a new order with a coupon working immediately after. I immediately contact XXXX support via that Chat channel and asked to cancel the order. The agent responded " Sure, I'll do that for you and send a refund ''. However the agent did not cancel the order and instead gave me a partial refund. Since I already purchased another of the same item on another order I didn't need the item. Upon learning this I contacted them to cancel the original order because the item had no been picked up by the post office yet and was still in their warehouse. 

XXXX refused to cancel the order. I told them they had two options : 1 ) Send a pickup request to retrieve their item when I received it and refund my order, or 2 ) Refund my order without receiving their merchandise back.

I sent this documented information and images of my chats with XXXX  to Apple Card ( Goldman Sachs ) twice and they sided with the merchant on both cases, saying I had no evidence to support my claim. This aligns with prior disputes I've attempted with Apple Card where they simply side with the merchant, unlike XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 have disputed a medical debt collection being reported on my credit report that shouldn't be reported. 

Account : -XXXX  XXXX XXXX XXXX XXXX. ( PARTIAL ACCOUNT # XXXX ) -Delete this collections due to violation of CFPB 's new medical collections rule ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ).

-The rule amends Regulation V, which implements the Fair Credit Reporting Act ( FCRA ).

-Prohibits credit reporting companies, such as Equifax , TransUnion , and Experian, from including most medical debt on credit reports.

Please delete this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, and my Proof of Address.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am writing to report an incident of attempted identity theft involving a fraudulent application for a business banking account made in my name. 
Today, I received an email from Bank of America regarding an application submitted under my identity for a Business Advantage Fundamentals Banking Account. The email ( attached ) states : We've received and are currently reviewing your application for the following : Business Advantage Fundamentals Banking Account. Once we've completed our review, we'll email you with a decision. If we need additional documentation to complete our review, we'll reach out to you via email. If you've applied for a small business credit card, you'll receive our credit decision through the mail once it has been processed and completed. 
I did not submit this application and immediately recognized this as fraudulent activity. I called the Bank of America customer service line listed in the email ( XXXX ) and spoke with a representative. I informed her that the application was unauthorized and the result of identity theft. She confirmed that she expedited the case to their fraud department, who will investigate and follow up with me directly. 
Additionally, I have taken the following protective measures : I have extended my one-year fraud alert for another year. 


I am applying for an extended seven-year fraud alert, as this is the second time in the past 12 months that someone has attempted to open an account using my personal information. 


I am attaching a copy of the email from Bank of America for your reference. Please let me know if any further documentation is needed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX RE : Complaint Follow-Up Debt Validation Request Ignored by LVNV Funding LLC Original Complaint Date : XX/XX/year> Debt Collector : LVNV Funding LLC Account Number : [ Insert Account Number or Reference Number ] To Whom It May Concern, I am writing to follow up on a matter previously reported and to formally document that LVNV Funding LLC has failed to respond to my debt validation request within the required 30-day timeframe as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XX/XX/year>, I sent a certified letter to LVNV Funding LLC at the address : XXXX XXXX XXXXXXXX, XXXX, SC XXXX, requesting full validation of an alleged debt. I provided all necessary identifying information and made a good faith effort to resolve the matter amicably and within the rights granted to me under federal law. 

As of the date of this letter, no response has been received, and collection activity has not ceased. This lack of response constitutes a potential violation of FDCPA provisions, particularly : Failure to validate the debt as required under 15 U.S.C. 1692g ( b ) ; Continuing collection efforts without debt validation, which may include unlawful credit reporting or communication.

I respectfully request that the Consumer Financial Protection Bureau investigate this issue and ensure that LVNV Funding LLC is held accountable for its noncompliance with federal consumer protection laws.

Please find enclosed copies of the original debt validation letter, certified mail receipt, and any documentation available to support this complaint.

Thank you for your time and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-29 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:
TransUnion is reporting multiple inaccurate and derogatory accounts without proper verification, violating 15 USC 1681i and 1681e ( b ). I reject any implied or constructed presumption that Ive consented to be a debtor, and I demand fiduciary conduct under trust principles. I have disputed these items, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, yet TransUnion continues to report them without correction. I claim full equitable interest in my NAME and demand immediate deletion of all erroneous data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am disputing a {$4100.00} utility collection account from XXXX XXXX, now showing under XXXX XXXX. This balance was covered through XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ). XXXX accepted those funds, but the amount is still being reported as unpaid. Additionally, the charges stem from utility slamming activity by XXXX XXXX XXXX, which was already reported to the XXXX XXXXXXXX and CFPB in XXXX. I relocated from Pennsylvania in XXXX  and had a XXXX balance. This is not only an error in reporting but a violation of FCRA and HUD guidance around XXXX-supported accounts. I am requesting this account be deleted from my credit report and removed from collections.

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 2025-07-29 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: PA

Complaint narrative:
I am disputing a {$4100.00} utility collection account from XXXX XXXX, now showing under XXXX XXXX. This balance was covered through XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ). XXXX accepted those funds, but the amount is still being reported as unpaid. Additionally, the charges stem from utility slamming activity by XXXX XXXX XXXX, which was already reported to the XXXX  XXXX and CFPB in XXXX. I relocated from Pennsylvania in XXXX  and had a XXXX balance. This is not only an error in reporting but a violation of FCRA and HUD guidance around XXXX-supported accounts. I am requesting this account be deleted from my credit report and removed from collections.

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 2025-07-29 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I did not authorize, apply to, or consent to this company accessing my credit information. I am trying to understand how and why this happened, and it is causing me significant stress and 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting and attempting to collect a debt from an XXXX XXXX membership contract that was allegedly opened while I was on XXXX XXXX XXXX  XXXX. I paid the collection in full based on a phone call where their representative assured me the account would be deleted upon payment. Despite this, the account is still appearing on my XXXX XXXX 

Additionally, the original contract XXXX violate the XXXX XXXX XXXX XXXX  XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received any XXXX-compliant disclosures, there was no XXXX XXXX XXXX applied, and the cancellation policy XXXX have restricted my rights under SCRA. 

I requested validation of the debt from XXXX including a signed contract, proof of XXXX compliance, and deletion confirmation. They have failed to provide this in writing and continue to allow the tradeline to be reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-29 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Recovery Corporation
State: MN

Complaint narrative:
In XX/XX/year>, I used a XXXX wearable XXXX XXXX prescribed by my doctor from XXXX XXXX. Before using the service, I received a text message from XXXX on my mobile phone which was an explicit, written guarantee stating : " Great news! Your XXXX  service is covered by your insurance company with a {$0.00} cost to you! '' After the service, XXXX billed me for {$330.00}. I contacted XXXX customer service on XX/XX/year>, to dispute this bill based on their written {$0.00} cost guarantee. I was instructed to email a screenshot of the text message to prove the discrepancy, which I did on XX/XX/XXXX, XXXX XXXX never responded to my email. 
Subsequently, XXXX sent this incorrect debt to a collection agency, Capital Recovery Corporation. I received a collection notice from them in XX/XX/year>. I contacted XXXX XXXX on XX/XX/year>, to dispute the debt and provided the same evidence. Their agent committed to contacting XXXX and assured me of a follow-up within XXXX business days. Neither XXXX XXXX nor XXXX has responded to me since. 
I am being pursued for a debt that I do not owe, backed by written evidence from the original creditor confirming a {$0.00} cost to me. Both companies have failed to resolve this clear billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
XXXX submitting this complaint because a XXXX XXXX account on my credit reports is being reported inaccurately and inconsistently across TransUnion, Experian, and Equifax, and Ive been unable to get it properly corrected through normal dispute channels. 

The last XXXX digits of the account number are XXXX ( or XXXX depending on the bureau ), and here are the issues XXXX seeing : Future reporting dates : The account is showing reporting dates like XXXX and XX/XX/year>, which obviously havent happened yet. 

Conflicting payment histories : XXXX bureau shows on-time payments ( OK ) after the account was charged off, while another reports CO for every month. This doesnt make sense and can not be accurate. 

XXXX still reported after charge-off : Its marked as charged off by XXXX XXXX, but the balance of {$4300.00} is still showing as due across all three bureaus. If it was charged off, the balance should be updated or removed. 

Inconsistent dates : The date of last activity and last payment dates vary depending on which report you look at. That makes me question how this account is being verified. 

Ive attached a screenshot from XXXX to show what XXXX referring to. I believe these errors are harming my credit unfairly, and Id like the CFPB to help review and request correction or deletion of this account. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-07-29 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: AR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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