vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
I received a letter on XX/XX/XXXX dated for XX/XX/XXXX from IQ Data XXXX XXXX  ( creditor being XXXX XXXX XXXX XXXX XXXX in TN ) asking me to prove that their collection account is the result of identity fraud and asked me to provide a police report, valid government issued photo ID, and proof of residency during the time which the " alleged fraud '' occurred. I have never lived in TN in my life and none of my credit reports or background checks show ANY address in TN so the only fraud I suspect to be occurring is IQ Data trying to pin someone else 's debt with my shared common name. And I do not feel comfortable sharing any information with this collection agency which has been harrassing me and my family all XXXX  long. 

It is not my burden to prove the debt is mine, as such, I will be sending them yet another debt validation letter in the mail today on XX/XX/XXXX. 

They previously contacted me in XXXX over a rental debt which has since been paid to the original creditor directly ( in NC ) and wiped from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I answered a call from " XXXX Customer Service '' which I later realized was actually a scam call. The caller had me put him on XXXX and showed me how someone obtained my credit information and he would help me prevent fraud. My credit union was scammed out of {$2900.00} ( their investigation determined it was fraudulent ) but GOLDMAN SACHS has not investigated the {$1400.00} scam via XXXX XXXX from their Apple Card. I have submitted documentation, but I have no case number and no documentation from them that they are investigating the scam. I do not use XXXX XXXX and do not know the recipient. I closed the XXXX XXXX account and activated fraud protection on my Apple card. As you know, in XXXX, there was a lawsuit filed by CFPB against Goldman Sachs and XXXX about this behavior and it continues. With no investigation, Goldman Sachs continues to reverse the credit for {$1400.00} and I keep having the case re-opened. I am a XXXX XXXX XXXX woman with a XXXX XXXX greater than XXXX and am not a scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian 's site will not allow me to login. I can change my password to the existing email I use for the site but after changing the password, it wants me to setup a new account. When I attempt to setup a new account with the existing email or even a different email, it tells me, oops, we're sorry! We are currently unable to process your request. We have encountered an internal system error. I tried to call but their virtual assistant refuses to transfer me to a live agent. I tricked it to say I need to file a dispute. I did get to someone and she said first, you don't have an account with us. Then later she said, I see your account is inactive. I asked her to reactivate it, she said she can't only customer service can and transferred me. I got back into the virtual agent loop and was unable to get to a live agent to have them turn on my account. I received a notification from my XXXX XXXX  indicating my SS # was exposed to the dark web caused by the major breach of the XXXX XXXX XXXX XXXX XXXX ) broker. I want to see what Experian has on my credit report but can't get to it. I am stuck. They make it almost impossible to reach someone and the only person to reach is if you have a dispute on something Experian added to one 's created. I can't even get anyone in corporate to answer. Something has to be done with this agency.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I'm writing to formally dispute information on my credit report. I recently reviewed my report and found a collection account that I believe is inaccurate. The details of the disputed item are as follows : Creditor/Collection Agency Name : Credit Collections Reported Balance : {$71.00} I am requesting an investigation into this account because I believe it is not mine, inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information.

Please verify this account with the collection agency and original creditor. If it can not be verified or is found to be inaccurate, I respectfully request that it be deleted from my credit report.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Continuation of complaint XXXX. Barclay 's bank has acknowledged on XX/XX/year> that an application for an XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with my information was fraudulent. In a letter from XXXX, ( XXXX of the XXXX, XXXX ), acknowledged the application was fraudulent and " A request has been submitted to the consumer reporting agencies to delete the associated hard inquiry from your credit bureau report. Please allow up to 60 days for the change to be processed by the consumer reporting agencies and reflected on your credit bureau report. " It is now past 60 days SINCE this letter from Barclays, 120 days since I initially reported the fraud and the hard inquiry remains on my XXXX  XXXX XXXX. I pulled a new credit report today, and it remains on there. 

Barclays, the furnisher of this erroneous credit inquiry, is out of compliance with 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ), If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the person shall promptly modify, delete, or permanently block the reporting of that information. 

While " promptly '' is not specific, it has been 120 days since when this was first reported and the error on my credit history remains.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was sent into collections for a debt I knew was not mine. I was married to a liar and criminal who apparently took credit in my name. I requested each charge and date be sent to me and the debt collector never provided me that. 
They then took me to court. I was at the court dates, which all were phone hearings, and the plaintiff was not present at any. Then without any actual court hearing, a judgement was placed against me for a debt that wasn't mine and I know wasn't mine. 
During mine and my ex-husband 's divorce, the court agreed that debt was not mine, and per our divorce decree, he was found to be solely responsible for the debt. 
I sent the debt collector a copy of my divorce decree with my ex-husband 's information. 
They then got an order for garnishment for me sent to my place of employment for a debt that is not mine! This has been totally unfair and a total abuse of power. I was slapped with a judgement with absolutely no proof the debt was even mine besides my social security number being the one used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
I am a victim of identity theft, and all three credit reporting agencies Experian, Equifax, and TransUnion have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), despite my repeated disputes, FTC Identity Theft Reports, and CFPB submissions. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are required to block fraudulent information within XXXX business days after receiving a valid FTC Identity Theft Report. I submitted multiple FTC reports along with proof of my identity and address, yet these fraudulent accounts remain : * XXXX XXXX XXXX XXXX {$51000.00} Auto Loan ( Acct ending XXXX ) * XXXX XXXX {$29000.00} Auto Loan ( Acct ending XXXX ) * XXXX XXXX {$660.00} Collection ( Acct ending XXXX ) These accounts were clearly identified in my FTC Identity Theft Reports ( see Exhibits A & B ). Despite my disputes, all three credit bureaus continue to report these fraudulent tradelines. This constitutes a violation of FCRA 605B. 

In addition, each bureau continues to inaccurately report minor late payment marks on XXXX and XXXX, even though my credit profile was compromised through confirmed data breaches. These inaccurate notations violate FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information. 

I am attaching the following evidence for CFPB review and transmission to the bureaus : Exhibit A FTC Identity Theft Report ( Main ) Exhibit B FTC Identity Theft Report ( XX/XX/XXXX ) Exhibit C Experian Data Breach Notice Exhibit D XXXX XXXX Data Breach Notice

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 2025-09-23 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: LA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$320.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$9200.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$6500.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$920.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$680.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-22 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-22 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: VA

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