vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I am formally disputing the accuracy and legality of the collection account being reported by XXXX XXXX XXXX regarding an alleged XXXX XXXX XXXX balance. This account must be deleted immediately for the following reasons : 1. Improper Reinsertion of Deleted Account ( FCRA 611 ( a ) ( 5 ) ( B ) ) This collection account was previously deleted from my credit report after investigation. It has now been reinserted without proper notice or certification. Under FCRA 611 ( a ) ( 5 ) ( B ), if an item is deleted because it can not be verified, it can not be reinserted unless the furnisher certifies the information is accurate. The credit bureau is also required to provide me written notice within 5 business days of reinsertion. I never received such notice. This reinsertion is a direct violation of the Fair Credit Reporting Act. 2. Failure to Provide Proper Validation ( FDCPA 809 ( b ) ) XXXX XXXX XXXX has not produced proper validation of the alleged debt. The only documentation provided was a self-generated balance summary that does not establish liability. They have failed to provide : A signed contract or service agreement showing I am legally responsible for this account, An itemized billing history from XXXX XXXX proving the balance, and Proof of legal assignment showing their right to collect. Without this, the debt remains unverified. 3. Furnishing Inaccurate Information ( FCRA 1681s-2, 1681i ) Despite the lack of proper validation and my dispute, XXXX continues to furnish this account to Experian, Equifax, and TransUnion. By reporting the account as active and disputed without full validation, they are furnishing incomplete and misleading information in violation of the FCRA. 4. Consumer Harm This inaccurate collection account is causing significant damage to my credit profile and financial opportunities. XXXX  unlawful actions are creating ongoing harm. Requested Action I am requesting that : The XXXX XXXX XXXX account be immediately deleted from all of my credit reports ; The credit bureaus provide me with a copy of any certification submitted by XXXX that led to the reinsertion ( if one exists ) ; XXXX XXXX XXXX cease all collection activity until proper, verifiable documentation is produced ; CFPB take action to ensure XXXX XXXX XXXX and the credit bureaus comply with FDCPA and FCRA requirements. Unless full validation is provided, this debt must be treated as unverified and permanently removed under federal law. Thank you for your prompt attention to this matter.

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 2025-09-10 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. 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 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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I dispute the validity of an XXXX XXXX account ending in XXXX, which has been placed with Transworld Systems , Inc. ( TSI ) for collection. I previously disputed this account with XXXX XXXX in writing and provided an FTC Identity Theft Report. I instructed both XXXX and any third parties to communicate with me only in writing. Despite this, XXXX continues to reassign the charged-off account, and Transworld has sent new collection letters and attempted contact without providing lawful validation. 

TSI has not produced the original signed application, IP/geolocation logs, chain-of-title assignment documents, Metro-2 audit trail, or any certified judgment proving ownership or legal authority to collect. Instead, they have only provided generic balance summaries, which courts ( e.g., Johnson v. MBNA, Cushman v. Trans Union ) have held are insufficient under the FDCPA and FCRA.

Violations include : FDCPA ( 15 U.S.C. 1692g, 1692c ( c ), 1692e, 1692f ) : failure to validate, continued collection during dispute, harassing communications despite a cease-and-desist.

FCRA ( 15 U.S.C. 1681s-2 ) : furnishing inaccurate/unverified information to CRAs and failing to conduct a reasonable investigation.

Ohio Rev. Code 1319.12 & Ohio CSPA : improper assignment and unfair/deceptive acts.

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 2025-09-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been wrongfully attached to my credit file. These accounts are false, unauthorized, and damaging to my financial record. Their reporting misrepresents my credit history and subjects me to harm that I should not be held responsible for. The continued presence of these accounts undermines the accuracy and fairness of my credit report. Immediate action is required to remove these fraudulent entries permanently.

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 2025-09-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
I was charged Illegal Upfront Fees. Promise Services weren't delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Resurgent debt collection transferred an account I had to a company called credit control. I made a settlement with that company and had a payment plan already setup. I called credit control to pay it off and they said my account was no longer in their office and that I had to call resurgent. Resurgent continues to try and send me emails saying I owe {$620.00} which is not correct. The settlement I made with credit control was for {$370.00}. I tried to reach out to resurgent and they advised me my account was still with credit control. I said I just called them and they said it wasnt. I asked them to get credit control on the line. The lady said they couldnt do that. I requested to speak to a supervisor and was on hold for over 20 minutes and she never came back to the line. Resurgent is sending emails with balances I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts on my credit reports with XXXX, XXXX, and TransUnion. These include collections ( PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), erroneous student loan delinquencies, and numerous unauthorized inquiries. I never provided written consent for these accounts or inquiries, violating FCRA 1681b ( f ). I also submitted an FTC Identity Theft Report, as I am a victim of confirmed data breaches ( XXXX, TransUnion, XXXX XXXX XXXX ). Despite my disputes, these unverifiable accounts remain. Under FCRA 1681i and 1681c-2, the bureaus must investigate and delete unverifiable and identity theftrelated items. I request CFPB intervention to ensure these violations are corrected and my reports updated.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSequiom Asset Solution, LLCXXXX XXXX XXXX XXXX XXXX XXXXRe: Formal Dispute and Demand for Permanent Deletion\n\nAccount Number: XXXX  (as listed on XXXX  report)\nOriginal Creditor: XXXXBalance Reported: XXXXTo Whom It May Concern,\n\nI am formally disputing the above-referenced account, which appears on my Experian credit file, as inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i.\n\nThe reporting of this account contains the following violations and deficiencies:\n\t1.\tUnverifiable Information  The reporting party has not provided verifiable documentation proving the validity of this alleged debt, including an original signed contract, itemized billing statements, or assignment of debt.\n\t2.\tIncomplete/Outdated Reporting  The entry reflects generic or missing details (e.g., no payment history, vague updates, Collection Account status without substantiation). This constitutes incomplete and misleading reporting under FCRA 1681s-2(a)(1)(A).\n\t3.\tFailure to Provide Accurate and Current Data  The balance and dates are reported inconsistently, without evidence that the account is legally enforceable. Outdated or unverifiable debts cannot be lawfully reported under FCRA 1681c.\n\nDemand\n\nPursuant to FCRA  1681i and 1681s-2, I demand the following:\n\t1.\tA complete reinvestigation of this disputed account.\n\t2.\tPermanent deletion of this item from my XXXX  credit file if it cannot be verified with full documentation.\n\t3.\tWritten confirmation of the results of your investigation and an updated copy of my credit report within 30 days of receipt of this letter, as required by law.\n\nIf this account is not deleted or corrected within the required timeframe, you will be in violation of federal law, and I will not hesitate to pursue all remedies available under FCRA  1681n and 1681o, including statutory damages, attorneys fees, and court costs.\n\nSincerely,\n\XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CT

Complaint narrative:
MANY student loan borrowers have faced the issue of their info being leaked due to a data breach that has occurred in XXXX as well as XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have a couple fraud accounts on my credit report thats not mines and i have a police report attached to this. Please remove from my credit report asap trying to buy a house closing in 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because Cash App has refused to process a refund for an unauthorized transaction funded from my Cash App wallet, citing false information. My Cash App wallet was debited by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> after I had canceled my subscription. Immediately after noticing the unauthorized transaction, I emailed the vendor requesting a refund as the subscription was canceled prior to being charged. The vendor decided to process the order and ship it anyway, then instructed me to refuse delivery in order to receive the refund. Following these instructions, I removed all delivery information from the XXXX tracking link provided to successfully refuse delivery. The vendor confirmed in the email that they would issue a refund but could not do so because of the open dispute with CashApp on the transaction. 

Despite this, Cash App denied my dispute stating, " An investigation of your claim submission and account details concluded that this is an authorized transaction and no error occurred because the funds were returned to you. '' This statement is false. The funds were never returned to my Cash App wallet. I appealed the decision and provided Cash App with the vendors email confirmation showing that the refund could not be issued due to the open dispute. Cash App denied my appeal, stating, " After carefully reviewing the details of your appeal, we found that our original decision was correct. This decision is final. '' Cash Apps denial prevents me from receiving a refund that the vendor has agreed to issue. Their claim that the funds were returned is factually incorrect and contradicts the vendors written statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the fraudulent accounts that have appeared on my credit report without my authorization. These accounts are false, inaccurate, and damaging to my financial standing. Their inclusion misrepresents my history and causes harm to my personal and financial well-being. Leaving such accounts on file is misleading and unfair. Accuracy in credit reporting is essential, and these false entries must be removed to preserve the integrity of my 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 non-monetary relief
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I have requested numerous times for any inaccurate or outdated information to be removed. They have ignored this request over multiple times that I have requested. Ive also sent certified letters and proof of outdated inaccurate information reported.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been added to my credit report. These accounts are not mine, were never authorized, and represent false and harmful information that should not be associated with me. Their presence creates a misleading and damaging picture of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Complaint Against Goldman Sachs Unauthorized Charges from XXXX This is a follow-up complaint regarding my prior CFPB case # XXXX, which was closed without a satisfactory resolution. I am filing again because Goldman Sachs explanation remains incomplete, inconsistent, and unsupported by documentation. 

Goldman Sachs initially sided with me on my dispute of the first XXXX charge on XX/XX/XXXX for {$19.00}, crediting me for that transaction. However, when I later asked for clarification, Goldman indicated that this reversal was granted in error. This admission raises serious concerns about the reliability and consistency of their fraud investigation process. 

Goldman then denied my disputes for subsequent and larger charges from the same merchant : {$290.00} on XX/XX/XXXXXXXX  and {$290.00} on XX/XX/XXXX. If the first charge was fraudulent ( whether by their own finding or not ), there is no valid basis to treat later charges from the same merchant as authorized. 

Goldman Sachs has also claimed that the merchant records show my device/IP address was associated with the charges. However, this does not constitute proof that I knowingly or willingly authorized these transactions. Device/IP evidence alone can not substitute for documentation showing my explicit consent ( such as a signed contract, merchant confirmation, or authorization screen ). 

In my initial complaint, I submitted evidence that : I have never received a single email or communication from XXXX. 
I have no receipts from Apple reflecting any XXXX purchase. 
No products, apps, or services linked to XXXX appear on my account. 

Goldman Sachs ignored this evidence in its response. They have still not produced any documentation proving that I knowingly agreed to XXXX services. 

This handling appears to violate the Fair Credit Billing Act ( FCBA ), which places the burden of proof on the creditor to show that a cardholder authorized disputed transactions. Device/IP information and inconsistent determinations are not sufficient under the law.

Key concerns : 1. Failure to provide documentation : Goldman has not produced any proof of my authorization beyond citing device/IP. 
2. Contradictory determinations : They initially credited the XX/XX/XXXX {$19.00} charge but later called that reversal an error, while denying the subsequent {$290.00} charges on XX/XX/XXXXXXXX XXXX XXXX 
3. Failure to address submitted evidence : They ignored proof I provided showing no emails, receipts, or services received. 
4. No receipt of services : I never knowingly signed up for, used, or received anything from XXXX. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation