vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). I have identified the following items on my credit report that are incorrect or unverifiable, and I request that Equifax investigate and remove or correct these items as required by law. These accounts do not belong on my credit report, and I demand that Equifax investigate and delete them as required by law. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX {$1400.00} Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX  {$3300.00} Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1000.00} Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. The presence of the above inaccuracies suggests a failure to comply with this obligation. Additionally, under 15 U.S.C. 1681i ( a ), Equifax must conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this notice, either verifying the accuracy of the items or deleting them from my credit file if they can not be verified. Please conduct a thorough reinvestigation of the listed items. If any item can not be verified as accurate, it must be removed from my credit report. 

Please provide me with a written response detailing the results of your reinvestigation, including an updated copy of my credit report, as required by 15 U.S.C. 1681i ( a ) ( 6 ). If any items are corrected or removed, please also notify all parties who received my credit report in the past six months, as required by 15 U.S.C. 1681i ( d ). I expect your compliance with the FCRA and a response within the statutory timeframe. Failure to adequately address this dispute may result in further action to enforce my rights under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to correct or remove inaccurate personal information and derogatory payment history from my credit report, despite previous disputes submitted in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have requested the removal of the following : Outdated or incorrect names no longer associated with my identity Former addresses that are no longer relevant or current Late payments that are inaccurate, unverifiable, or reported in error TransUnion has failed to fulfill its legal duty under FCRA Section 611 ( 15 U.S.C. 1681i ) to investigate my disputes and delete any information that is found to be inaccurate, incomplete, or unverifiable. Despite my repeated efforts, this incorrect information remains on my credit report and continues to harm my credit profile and personal credibility. 

I respectfully request that the CFPB : Investigate TransUnions non-compliance with the FCRAs dispute resolution and accuracy requirements Ensure that TransUnion properly investigates and removes any unverifiable or outdated personal identifiers and credit information Require TransUnion to provide confirmation of all corrections or deletions made to my credit file I have attached documentation including my previous dispute letter ( s ), any responses received, and a copy of my most recent credit report from TransUnion showing the continued reporting of these inaccuracies. 

Thank you for your time and 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 2025-06-26 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:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing in response to Wells Fargos Executive Office denial of my claim, in which they falsely stated that I gave someone permission to utilize my account. That statement is categorically false, and I strongly dispute their conclusion.

At no point did I authorize the disputed transactions, nor did I give anyone permission to access or use my account. In fact, the device used to make the transactions was lost, and the charges that appeared were made without my knowledge or consent. The merchant involved in one of the disputed transactions confirmed that the charge in question was fraudulent, which further supports my position. 

Wells Fargo failed to conduct a proper investigation and ignored key evidence provided to themincluding merchant confirmation and other documentation proving the charges were unauthorized. I even received verbal confirmation from a representative of the Executive Office stating that my documentation was strongyet my claim was still denied. 

This reflects a clear lack of due diligence and customer protection on the part of Wells Fargo. Their failure to act appropriately has now resulted in the retention of legal counsel. My attorney is currently preparing legal action against the bank, and I will pursue this matter fully until justice is served. 

I respectfully request that the CFPB take my response into full consideration and keep this complaint open as unresolved. I maintain that Wells Fargo mishandled this case and issued a false conclusion. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: GA

Complaint narrative:
On [ XX/XX/year> ], I made a payment of {$350.00} to XXXX using my Cash App account. 

XXXX later confirmed that they processed a full refund of {$350.00} back to my Cash App on [ insert refund date if known ], but I never received the money. 

I contacted Cash App support multiple times and explained the situation, but they have not helped or provided a clear resolution. XXXX insists the refund was completed and suggests the issue is on Cash Apps side. 

I have proof that XXXX issued the refund ( emails and screenshots ), and Ive checked both my Cash App balance and linked accountsno refund has ever shown up. 

I am requesting Cash App investigate and either return the missing funds or provide a written explanation of what happened to the refund. 

This has been ongoing for over at least XXXX weeks and Ive exhausted normal customer service options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX, which is reporting a repossessed auto loan account on my credit reports with TransUnion, Experian, and Equifax. The account is listed with a balance of {$16000.00}, a past-due amount of {$6000.00}, and shows as charged off and repossessed. 

On XX/XX/year>, I sent formal dispute letters under FCRA 609 to all three credit bureaus requesting full verification of this account. I specifically requested : A copy of the original signed loan agreement A full itemized breakdown of all charges, fees, and payments Proof that XXXX XXXX XXXX XXXX has the legal right to report this account Documentation showing that my extended fraud alert was properly handled, as required under FCRA 605A To date, I have not received any verification or documentation from XXXX XXXX XXXX XXXX or the credit bureaus. Despite this, the account continues to report as accurate and verified. 

The continued reporting of a repossession without verification violates multiple sections of the Fair Credit Reporting Act, including : FCRA 609 Right to request and receive verification FCRA 611 Failure to delete unverified or inaccurate information FCRA 605A Failure to properly handle an extended fraud alert on my credit file Harm Ive Experienced : I have been denied credit and auto financing as a direct result of this account.

My credit score has dropped significantly due to the repossession status and high balance. 
This has caused emotional stress, financial hardship, and difficulty qualifying for essential services. 
Requested Relief : I am requesting the immediate deletion of this XXXX XXXX XXXX XXXX account from all three credit bureaus ( TransUnion, Experian, and Equifax ) for : Failure to verify the account within the 30-day timeframe required by the FCRA Continued reporting of a derogatory account in violation of my fraud alert protections Lack of supporting documentation for repossession and charge-off activity Attached is a copy of my XXXX dispute letter dated XX/XX/year> and proof of identity.

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 2025-06-25 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: FL

Complaint narrative:
I have contacted the credit bureaus ( TransUnion, Experian, and Equifax ) on multiple occasions, pleading for assistance in removing information from my credit report that does not belong to me. Despite my repeated efforts, I have not been provided with a proper resolution. 

These accounts are not mine they are the result of fraudulent activity and are part of an identity theft case of which I have been a victim. The continued presence of this false information on my credit report is causing significant distress and damage to my personal and financial life. I am urgently seeking the support and action that this serious matter requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance had an account that was not mine on my report and sold it to an outside company to collect payment. They will not remove it from my report. It is for {$13000.00}. I want this removed I have disputed it with the company and they refuse to admit to giving my information away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I submitted a dispute involving some drawers I purchased at XXXX XXXX XXXX on XX/XX/year> that were not the right color. XXXX did not do anything for me so I initiated the dispute with Ally. I uploaded images that showed the items were not the right color and the receipt. Ally initially backed out the {$110.00} from my account pending the dispute. On XX/XX/year> I received a form letter from Ally rebilling my account for the {$110.00} stating that the charge was authorized by me ; it was at the time, but the dispute related to the quality of the goods and services. It strike me that Ally was too lazy or too stupid to properly investigate the dispute. No details were given as to what the merchant responded with. The dispute was handled ineptly. Because if it was handled properly the merchant would have had to explain why drawers labeled " white '' were actually off white and the wrong color.

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 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Date Information XXXX This was our first email requesting a loan modification for our home. 
XXXX Additional documents were requested for the Borrower Assistance Form. 
XXXX First summission of the Loss Mitigation Form XXXX XXXX  Form with attachments. 
XXXX Additional documents were requested mainly a bank statement, recent sewer statement for 3 months, gas statements for 3 months and our 2025 SS benefits document for 2025. 
XXXX We provided a " Third Party Authorization '' for my husband. 
XXXX From this point forward I called every week to get an update from the Loan Resolution Department . 
XXXX Additional documents were requested, 3 months bank statements, 2025 XXXX XXXX XXXX for XXXX ( real estate ) and another XXXX XXXX Form with wet signatures. 
XXXX I spoke with XXXX and explained to her that we have been providing the requested information over and over but the department kept telling us they didn't have the documents. XXXX looked and quickly found the documents I sent in several times. XXXX then atached the documents to the file and rushed it in for approval. 
XXXX I called the XXXX XXXX department again t make sure the documents would follow the XXXX Form but no luck yet. 
XXXX I called the XXXX XXXX department again t make sure the documents would follow the XXXX Form but nothing could be found. The lady I spoke with suggested I re-sumitt the entire package again and they would put a rush on the documents. 
XXXX We re-sumitted a new fresh complete package because we kept getting declined because we did not provide the requested documentation. So we provided a new package to the XXXX XXXX department for approval. 
At this point I realized nothing was happeneing. They still could not find my documents. I called every 2 days trying to save my home which had a lot of equity in it. Eventually I was forced to file a chapter XXXX to save my home XXXX We were forced to file an emergency XXXX  XXXX to save our home that was scheduled for foreclosure on XX/XX/year>. 
XXXX We called XXXX XXXX again and we were notified that the foreclosure sale was moved to XX/XX/year>. 

If you look at the documents and what happened here, it looks like an absolute failure within the loan resolution department. They were not able to look at the Loss Mitigation because they kept misplacing the documents I provided them. I know they received them because of my screen shots that are provided clearly show their acknowledgement of my emails. 

I we were able to acquire a Loss Mitigation mortgage modification approval we would be able to keep our home by refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and harmful information that appears on my XXXX credit report related to the Affirm Inc. account ending in XXXXXXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report dated XX/XX/XXXX, I noticed that this account is being reported with several late payments, including severe delinquencies and a charge-off status, which I believe to be inaccurate and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The account reflects late payments from XX/XX/XXXX through XX/XX/XXXX and is currently marked as charged off with a remaining balance. These entries are incorrect and are negatively impacting my creditworthiness, preventing me from obtaining lower interest rates and qualifying for better financial products. I did not receive adequate notice of any delinquencies, nor was I offered an opportunity to validate or resolve the account prior to these damaging entries being recorded. 

I am requesting that all late payments and the charge-off status associated with this Affirm Inc. account be thoroughly investigated and removed from my XXXXn credit report. I have enclosed a copy of my credit report highlighting the disputed entries for your convenience. 

Please conduct a reinvestigation under Section XXXX of the FCRA and provide me with the results within the XXXXday time frame as required by law. If the data furnisher ( Affirm Inc. ) can not verify the accuracy of the reported late payments, they must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Aargon Agency, Inc.
State: MO

Complaint narrative:
This letter is being sent to formally dispute the validity and accuracy of a debt that you allege I owe and that you are attempting to collect on. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. CXXXXe XXXXg, I am requesting full validation of this debt. 

I do not acknowledge this debt and I am exercising my right to request : XXXX. The original creditors name and address XXXX. A detailed statement of the alleged debt, including how the amount was calculated XXXX. A copy of the original signed agreement or contract bearing my signature XXXX. Proof that Argonne Agency , Inc. has the legal right to collect on this alleged debt ( chain of assignment/sale ) XXXX. A copy of any judgment ( if applicable ) XXXX. The date of last payment, date of charge-off, and itemization of all fees and interest added Until this information is fully provided, I am requesting that you cease all collection efforts, including reporting this alleged account to any credit reporting agencies. 

Also, if you have already reported this account to the credit bureaus, I request that it be marked disputed in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. CXXXXe XXXX. 

Be advised that failure to provide proper verification or continued collection activity without validation is a violation of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or state Attorney Generals office.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am not liable for this debt with RESURGENT/LVNV CAPITAL FUNDING I do not and have never contracted with this company. 
This company did not provide me with the original contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Kindly assist me in launching an investigation regarding these accounts, which are incorrectly appearing on my credit report. Under the guidelines of USC XXXXg, I am making a formal request for their removal within XXXX days. Supporting documents have been enclosed for your reference. Please note that the details reported by each bureau vary and are inaccurate.

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 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX few other bank

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 monetary relief
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation