vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous complaint ( Case No. XXXX ). 

XXXX XXXX falsely marked my dispute as " resolved '' even though they never provided proper validation for the accounts in question. 

I previously disputed the accounts, and XXXX XXXX admitted they do not have a signed contract for at least one of them. 

Despite the dispute, XXXX XXXX continued to report negatively across all three credit bureaus ( XXXX, XXXX, and TransUnion ), increasing my balance and harming my credit score. 

Under FCRA 1681s-2 ( b ), a company must properly investigate a dispute before marking it resolved. XXXX XXXX has failed to do this. 


What I Am Requesting from CFPB : 1. Require XXXX XXXX to stop reporting negatively unless they provide full validation. 

2. Investigate why they claimed my dispute was resolved without proving the debt.

3. If they can not validate the debt, remove the accounts from my credit reports. 

I have attached a detailed complaint and supporting documents as evidence.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous complaint ( Case No. XXXX ). 

XXXX XXXX falsely marked my dispute as " resolved '' even though they never provided proper validation for the accounts in question. 

I previously disputed the accounts, and XXXX XXXX admitted they do not have a signed contract for at least one of them. 

Despite the dispute, XXXX XXXX continued to report negatively across all three credit bureaus ( Experian, XXXX, and XXXX ), increasing my balance and harming my credit score. 

Under FCRA 1681s-2 ( b ), a company must properly investigate a dispute before marking it resolved. XXXX XXXX has failed to do this. 


What I Am Requesting from CFPB : 1. Require XXXX XXXX to stop reporting negatively unless they provide full validation. 

2. Investigate why they claimed my dispute was resolved without proving the debt.

3. If they can not validate the debt, remove the accounts from my credit reports. 

I have attached a detailed complaint and supporting documents as evidence.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX bank/credit card id theft and they put my address on id theft card account so they cant remove off credit report that's fraud from XXXX  XXXX bank / credit card data breach

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX bank/credit card id theft and they put my address on id theft card account so they cant remove off credit report that's fraud from XXXX  XXXX bank / credit card data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loan has been paid to {$6000.00} since XX/XX/XXXX. I log in weekly to check in my balance. In late XXXX I noticed my balance increased by {$1.00}. During this time the loan was at 0 % interest and the payment history did not reflect this change. On XX/XX/XXXX, I was given the response through the Live Chat : We understand your concern with the recent balance changes while your loan has been under Forbearance with a 0 % interest rate. Our review determined that when the 0 % rate was applied to your account, instead of preventing interest accrual, it incorrectly resulted in a balance reduction. The negative interest accrual caused the lower balance to reflect on your account which you referenced in your complaint. 
This was corrected on XX/XX/XXXX, and your account balance is now correct. We apologize for any confusion this XXXX have caused I have made XXXX phone calls since requesting the documentation that shows that change as well as the correction. I was provided XXXX that showed my original loan balance and interest rate and another that showed my payment history, neither of which showed these changes. On XX/XX/XXXX via phone call, I was told they could not provide that documentation and it was in-fact a mistake on their part showing an incorrect account balance and it would be corrected within a couple days. While this amount is very small, had I not been keeping a close eye on my balance, it would have gone unnoticed and possibly had been the case for lots of others with loans through Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: WA

Complaint narrative:
This is regarding Apple Card Goldman Sachs credit card dispute XXXX. First they said they had asked me for my evidence but they had not in fact they lied to the CFPB. I emailed and texted them repeatedly asking to show them evidence. They finally asked me. I provided evidence of photos showing the box I received was empty. I am still owed my refund for this but they are being XXXX and not even looking at my clear evidence because I am a XXXX customer. Goldmans Sachs hats XXXX  like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
THIS IS AN ADDED DISPUTE TO THE DISPUTES THAT WAS SUBMITTED ON XX/XX/year> ... XXXXADD THIS DISPUTE. ALSO, THERE'S an unverifiable hard on my report that needs immediate attention. I WANT ALL HARD INQUIRIES THAT ARE NOT LINKED TO AN OPEN ACCOUNT REMOVED/ TERMINATED. 
XXXX XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIABLE ACCOUNT NO CONSENT AND INVADING MY PRIVACY XXXX XXXX  XXXX Acct # XXXX ) TERMINATE/ REMOVE IMMEDIATELY FALSE DATA ENTRY XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIBLE LATE PAYMENT DATA ENTRIES YOU COMPANY HAS LAWS AND REGULATIONS THAT MUST BE RESPECTED TO ALL CONSUMERS UNDER **Failure to Provide Verifiable and Accurate Documentation ( 15 U.S.C. 1681i ) ** Charge-Off Violations and IRS Guidelines ( 26 U.S.C. 6050P ) Under IRS - _ - - Code 26 U.S.C. 6050P, creditors must issue a 1099-C for charged-off accounts if the debt was canceled or written off. If your agency is reporting a charge-off without providing a 1099-C, this constitutes fraudulent misrepresentation. 
If insurance was claimed on these accounts, the balance must legally be reduced to {$0.00}, and reporting otherwise is a violation. 
- You must provide original signed contracts, payment history documentation, and proof of ownership of debt per Metro 2 Compliance guidelines. If you fail to produce such documentation, the law mandates immediate deletion. 
**Unauthorized Use and Sharing of My Data ( 15 U.S.C . 1681b, FCRA 604 ) - My personally identifiable information ( PII ) has been used and shared without my express written consent. This violates FCRA 604 ( a ), which limits the permissible purposes for accessing my credit report. 

- Metro 2 Compliance and UCC prohibit the improper sharing of consumer data, mandating that any unverifiable or unauthorized data must be immediately deleted. 

**Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) As a data furnisher, the burden of proof lies with your agency to provide verifiable, lawful documentation proving the validity of these accounts. 

If you can not provide direct, certified documentation proving the legitimacy of these reported items, you are in violation of 15 U.S.C. 1681s-2 ( b ), and you must delete and block these accounts from my report immediately. ( CDIA # XXXX ) certified your company is not in compliance with the law. 
***FALSE DATA ENTRY*** Unauthorized Hard Inquiries I have one auto loan and was approved for one vehicle, not multiple vehicles. I did not apply for multiple cars. 

Please immediately remove and delete all hard inquiries that are not linked to an open account, or I will pursue litigation for false data entry and damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
THIS IS AN ADDED DISPUTE TO THE DISPUTES THAT WAS SUBMITTED ON XX/XX/year> ... XXXXADD THIS DISPUTE. ALSO, THERE'S an unverifiable hard on my report that needs immediate attention. I WANT ALL HARD INQUIRIES THAT ARE NOT LINKED TO AN OPEN ACCOUNT REMOVED/ TERMINATED. 
XXXX XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIABLE ACCOUNT NO CONSENT AND INVADING MY PRIVACY XXXX XXXX  XXXX Acct # XXXX ) TERMINATE/ REMOVE IMMEDIATELY FALSE DATA ENTRY XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIBLE LATE PAYMENT DATA ENTRIES YOU COMPANY HAS LAWS AND REGULATIONS THAT MUST BE RESPECTED TO ALL CONSUMERS UNDER **Failure to Provide Verifiable and Accurate Documentation ( 15 U.S.C. 1681i ) ** Charge-Off Violations and IRS Guidelines ( 26 U.S.C. 6050P ) Under IRS - _ - - Code 26 U.S.C. 6050P, creditors must issue a 1099-C for charged-off accounts if the debt was canceled or written off. If your agency is reporting a charge-off without providing a 1099-C, this constitutes fraudulent misrepresentation. 
If insurance was claimed on these accounts, the balance must legally be reduced to {$0.00}, and reporting otherwise is a violation. 
- You must provide original signed contracts, payment history documentation, and proof of ownership of debt per Metro 2 Compliance guidelines. If you fail to produce such documentation, the law mandates immediate deletion. 
**Unauthorized Use and Sharing of My Data ( 15 U.S.C . 1681b, FCRA 604 ) - My personally identifiable information ( PII ) has been used and shared without my express written consent. This violates FCRA 604 ( a ), which limits the permissible purposes for accessing my credit report. 

- Metro 2 Compliance and UCC prohibit the improper sharing of consumer data, mandating that any unverifiable or unauthorized data must be immediately deleted. 

**Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) As a data furnisher, the burden of proof lies with your agency to provide verifiable, lawful documentation proving the validity of these accounts. 

If you can not provide direct, certified documentation proving the legitimacy of these reported items, you are in violation of 15 U.S.C. 1681s-2 ( b ), and you must delete and block these accounts from my report immediately. ( CDIA # XXXX ) certified your company is not in compliance with the law. 
***FALSE DATA ENTRY*** Unauthorized Hard Inquiries I have one auto loan and was approved for one vehicle, not multiple vehicles. I did not apply for multiple cars. 

Please immediately remove and delete all hard inquiries that are not linked to an open account, or I will pursue litigation for false data entry and damage to my creditworthiness.

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 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am writing to formally express my complaint involving Titlemax reguarding misleading information, unethical business practices and deceptive nature of the loan term associated with my car title loan. I borrowed {$6700.00} with the understanding that my payments over a five month period would contribute towards repaying the principal of the loan, However i have now realized that, y payments have only been applied towards fees and holding the lein on the title rather than reducing the loan balance. To date i have paid roughly {$3700.00}, yet none of this amount has gone towards reducng my loan balance. Once adressing the issue with the company, i was told terms were clearly explained and " This is Just the way business is done ''. The lack of transparency and the excessive cost of the loan- potentially totaling around {$12000.00} at the least ( if met before a 5 month timespan ) or the loan will start entirley over, for an initial loan of {$6700.00} demonstrates unethical, deceptive and predatory lending practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am following up on my previous dispute regarding the inaccurate and unverified information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a sufficient response confirming compliance with data reporting standards and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am following up on my previous dispute regarding the inaccurate and unverified information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). To date, I have not received a sufficient response confirming compliance with data reporting standards and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines.

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I request Debt Validation Claim under the law 15 USC 1692 G. I need all 4 of these items. A. I want sent to me a full detailed list of the payment history on this account. B. I want to see my original signature that I agreed to on the contract with the creditor on this account. C. Has there been any Insurance Claim found on this debt? D. I want to see the chain of title that you have to collect on this debt. Lastly I need to see the 1099 C that was sent to me from the original creditor on this debt. This letter should be dated today and comes from me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Phone number ( XXXX ) XXXX my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I called them three different times told them that it wouldn't let me transfer money out of the account onto another account it won't let me buy money orders or withdraw money they told me that the card should be working but the card is still not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : XXXX XXXX Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year>XXXX  I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with [ Creditor Name ], buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation