vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Carter Young because they are reporting and attempting to collect an invalid medical debt that resulted from a provider billing error, and they have failed to provide legally required validation under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, my child received XXXX XXXX at XXXX XXXX XXXX XXXX. Before the visit, the childs fathers employer switched insurance coverage to XXXX effective XX/XX/XXXX. The provider failed to verify eligibility and incorrectly billed XXXX XXXX XXXX XXXX of South Carolina, which resulted in a wrongful denial entirely caused by their own administrative error. 
XXXX XXXX XXXX XXXX acknowledged the billing mistake. Despite this admission, they sent the account to Carter Young. The collector then reported the inaccurate account to the credit bureaus and began collection activity. 

On XX/XX/XXXX, I disputed the debt by certified mail. Under 15 U.S.C. 1692g ( b ), Carter Young was required to cease collection and provide valid verification.

To date, they have not provided : an itemized statement insurance processing records proof of assignment a contract or agreement or any documents validating accuracy of the debt Instead, they continue reporting the account and claim they previously mailed verification without providing proof of mailing, documentation, or any response to the issues raised.

* Because the provider admitted billing incorrectly, the debt is not valid, and because Carter Young has not validated or corrected their reporting, the credit reporting is inaccurate and harmful. *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-19 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Novo Platform Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I signed up and was approved for a new business checking account with Novo ( XXXX ) through a referral link ( XXXX XXXX XXXX  ) for a {$300.00} bonus ( payable by Novo ) XXXX I met the following requirements : ( XXXX ) deposit {$5000.00} into the new Novo account within 30 days of account opening ( I deposited {$5000.00} on or around XX/XX/year> ) ; ( XXXX ) maintain the minimum balance of {$5000.00} for XXXX consecutive days ( I maintained the min balance until XX/XX/year> ) ; ( XXXX ) make XXXX debit card transactions using the associated Novo business checking debit card ( I made XXXX {$5.00} debit card transactions online that posted on XX/XX/year> ). Upon meeting the above requirements, Novo agreed to automatically deposit the {$300.00} bonus into my new Novo account within approximately XXXX days. Despite meeting Novo 's requirements for the bonus, Novo refuses to issue the bonus. Novo is using the bonus as a bait and switch -- Novo 's practices are deceitful and demonstrate a clear lack of respect for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am disputing inaccurate reporting of my Apple Card account issued by Goldman Sachs Bank USA ( Account # XXXX ) across all three credit bureaus ( XXXX XXXX and XXXX  ). The same account is being furnished with contradictory information, which violates the Fair Credit Reporting Acts requirement that furnishers ensure accuracy when providing information ( 1681s2 ( b ) ). 

XXXX ( XX/XX/year> ) : Reports {$24000.00} balance on a {$3000.00} limit with a full delinquency grid ( 30/60/90/120/CO ). Omits the original chargeoff amount and lists the account as reinvestigation in progress. 
XXXX ( XX/XX/year> ) : Reports account charged off, {$24000.00} written off, {$24000.00} past due. Payment history includes 150day late notations not shown by XXXX. Comments state account closed at credit grantors request ; previously in dispute. 
XXXX  ( XX/XX/year> ) : Reports {$24000.00} balance with {$3000.00} limit but shows no payment history at all. Omits the original chargeoff amount and states dispute resolved reported by grantor. 


Across all three credit bureaus, the information does not match. Different closure dates, payment histories, chargeoff handling, and comments are being reported for the same account. Goldman Sachs Bank USA, as the furnisher, has a duty under FCRA 623 ( a ) ( 1 ) ( A ) and 1681s2 ( b ) to report accurate and consistent information. Their continued furnishing of contradictory data violates that duty.

I previously submitted formal disputes directly to Goldman Sachs Bank USA ( letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year> ). Despite confirmed delivery, Goldman Sachs failed to respond, investigate, or provide documentation as required under FCRA 623 ( a ) ( 8 ) and 623 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Dear LVNC, I am writing to inform you that reporting information to my credit reports ( XXXX XXXX XXXX ) is a form of communication subject to the Fair Credit Reporting Act ( FCRA ). As such, I request that you cease and desist all communication with regards to my credit report. 


Under the FCRA, I am entitled to certain protections and rights when it comes to the information contained in my credit report. Specifically, I am protected from inaccurate or outdated information being reported, as well as from any unauthorized access to my credit report. 


Furthermore, I would like to remind you of the following FCRA codes that pertain to my rights as a consumer : - FCRA Section 611 : Procedures for Investigating Disputed Information - FCRA Section 615 : Requirements Relating to Adverse Actions - FCRA Section 616 : Civil liability for willful noncompliance - FCRA Section 617 : Civil liability for negligent noncompliance I expect that you will comply with my request to cease and desist all communication regarding my credit reports ( XXXX XXXX XXXX  ). Failure to do so may result in legal action being taken against you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-19 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
I am filing this complaint because TransUnion is reporting two hard inquiries that I did not authorize or initiate. These inquiries were made by : XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with either company, I did not give written permission, and I did not have any business relationship with them at the time the inquiries were made. These are unauthorized pulls on my TransUnion file. 

Under FCRA 604 / 15 U.S.C. 1681b, a company may only access a consumer report if they have a permissible purpose and the consumer has initiated the transaction. None of those conditions apply here. These inquiries were not made with my knowledge, consent, or authorization.

I have already provided TransUnion with the required documents to verify my identity, including my government ID, SSN verification, a utility bill, and my FTC Identity Theft Report. Despite submitting everything required by law, TransUnion has left the unauthorized inquiries on my report instead of removing them.

Because these inquiries were not authorized by me, TransUnion was required to block and delete them under : FCRA 605B / 15 U.S.C. 1681c-2 must block information resulting from identity theft within 4 business days FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) must delete unverifiable information

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Issue : XXXX Collector refusing to issue Form XXXX for a canceled/closed debt. 

What happened : I am requesting assistance regarding a debt associated with XXXX and account XXXX. The creditor reports the debt as charged off as of XX/XX/year> and has failed to issue a required Form XXXX  for a canceled or XXXX debt and continues to report the debt. 

Why this is a problem : I need accurate tax reporting and accurate credit reporting. The creditors failure to issue the XXXX leaves the debt status unclear and creates potential tax and credit inaccuracies.

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 2025-11-19 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: FL

Complaint narrative:
I reviewed my credit report and found the following account ( s ) ( XXXX  and XXXX XXXXXXXX ) being reported without my express authorization, violating the FCRA ( $ \text { 15 U.S.C. } 1681b $ ) XXXX. I am attaching my official FTC report # [ XXXX ] and my dispute letter sent to the bureau demanding immediate deletionXXXX. This situation is negatively affecting my financial capabilityXXXX. I request your intervention for the blocking and deletion pursuant to $ \text { 15 U.S.C . } 1681c-2 {$30.00}.

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 2025-11-19 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 2025-11-19 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-19 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a mistake. My credit report contains multiple entries that are not reported with the maximum possible accuracy. These persistent inaccuracies are causing real harm, creating financial and emotional strain during an already difficult time. I review my credit regularly and have repeatedly raised these issues, yet they remain unresolved. Their continued presence is unacceptable and is unfairly damaging my credit and my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to file a formal dispute regarding several accounts listed on my credit report across multiple bureaus. Below are the details of the accounts I am disputing : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$620.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX ( Late Payment )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXXXXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief