vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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 submit this rebuttal to address the companys response dated XX/XX/year>. The company elected to close my dispute without initiating any investigation whatsoever, relying instead on an unverified internal assumption that the dispute was not submitted by me or someone authorized. This assumption was neither substantiated nor validated, and it directly impeded the statutory dispute process mandated by the Fair Credit Reporting Act ( FCRA ). 

My dispute concerns the accuracy, completeness, and verification of the following accounts reported by TransUnion : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rather than evaluate the accuracy of these entries, the company unilaterally refused to process the dispute. Such conduct is inconsistent with several FCRA provisions and may constitute independent statutory violations.

1. Violation of the Duty to Follow Reasonable Procedures 15 U.S.C. 1681e ( b ) A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy. Closing a dispute based on an unsupported assumption without investigati on does not constitute a reasonable procedure and obstructs the accuracy protections guaranteed by Congress under 1681e ( b ).

2. Violation of the Mandatory Reinvestigation Requirement 15 U.S.C. 1681i ( a ) Under 1681i ( a ) ( 1 ) ( A ), once a consumer disputes information, the agency is obligated to conduct an investigation.

The companys refusal to even initiate an investigation is a direct violation of : 1681i ( a ) ( 1 ) ( A ) duty to investigate 1681i ( a ) ( 2 ) duty to provide notice of the dispute to the furnisher 1681i ( a ) ( 5 ) ( A ) duty to delete, modify, or verify information that is inaccurate, incomplete, or unverified Because no investigation commenced, these statutory obligations were not satisfied.

3. Furnishers Duties Regarding Accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher is prohibited from supplying information it knows or has reasonable cause to believe is inaccurate.

By refusing to evaluate the disputed data, the company prevented itself from determining accuracy, potentially permitting continued reporting of inaccurate or unverified information. 4. Refusal to Investigate Based on Unsupported Assumptions Const
itutes a Separate FCRA Violation The FCRA does not authorize a consumer reporting agency or furnisher to evade its obligations under 1681i by asserting unverified assumptions regarding the origin of a dispute.

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a personal loan issued by XXXX XXXX XXXX XXXXXXXX XXXX. ( App ID : XXXX, Agreement Date : XX/XX/year> ). The loan was disbursed without my informed consent, and the lender did not give me any opportunity to review or accept the final loan agreement before funding. 

During the application process, a customer service representative required my checking account information over the phone for the application process. The representative manually inputted my banking information. At no point did I authorize final funding, agree to the final loan terms, or electronically sign the contract. 

The next day, funds appeared in my checking account without me ever seeing or agreeing to the final loan agreement, without clicking anything indicating acceptance ( Sign, Agree, or Accept Terms ), and without being given a final review screen. I never knowingly provided an electronic signature. 

This appears to be a forced or unauthorized clickwrap acceptance and a violation of the E-SIGN Act because I was not given : - A clear opportunity to review the full agreement- A meaningful opportunity to consent- A method to accept or decline - Any final confirmation step I have requested that Best Egg/Column N.A. provide : - Signature audit trail - Clickstream logs - Timestamps - Agent log entries - Evidence of my acceptance action So far, I have not received documentation proving valid consent.

I am asking the CFPB to investigate : 1. Whether the lender improperly captured or created an electronic signature ; 2. Whether customer service improperly triggered the disbursement ; 3. Whether the loan was funded wit
hout proper authorization ; 4. Whether this reflects noncompliant or deceptive lending practices ; 5. Assistance in resolving this dispute, including options for loan correction or settlement.

I am not refusing legitimate debt ; I am disputing the manner in which this loan was generated and funded. 

Thank you for your assistance. 

Name : XXXX XXXX Location : XXXX XXXX, CA Loan App ID : XXXX Payoff Amount : ~ {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: West Capital Lending, Inc.
State: FL

Complaint narrative:
I have been working with a mortgage Broker West Capital Lending and it has been a absolute nightmare, I am very close to closing with the lender and at the XXXX hour I come to find out through my loan processor that the Loan Officer that was assigned suddenly quit. It was difficult communicating with him to begin with and now I don't even know who my new loan officer is. I have made several phone calls directly to the company but the receptionist can only take my info down and then claim someone from management will get back to me but that never happens. And the worst part of this is that they are charging me a {$3200.00} broker fee. Just a side note The Loan Processor has done a phenomenal job at keeping the lines of communication open between myself and the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: OK

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries & an account listed on my Experian credit report. I am a documented victim of multiple significant data breaches, including the XXXX XXXX  XXXX XXXX, the XXXX XXXX Data Breach, and the XXXX XXXX  Data Breach XXXX My personally identifiable information has been compromised through these incidents, leaving me vulnerable to fraudulent use of my credit.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Heres a more detailed version : I am filing a complaint against XXXX XXXX ( XXXX, XXXX ) due to inadequate customer service and unfair business practices that I believe violate the Consumer Financial Protection Act ( CFPA ). I have experienced unresolved issues, a lack of proper support, and unresponsiveness when seeking assistance. These actions have caused inconvenience, financial concern, and a significant lack of confidence in the companys handling of consumer-related matters. I am requesting a thorough review and resolution of this situation in accordance with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
My FTC Identity Theft Report number is XXXX. 

I am disputing several unauthorized hard inquiries that appear on my TransUnion credit report. I did not apply for credit with these companies, nor did I authorize any of these inquiries. These inquiries were made without my knowledge or a permissible purpose as required under the Fair Credit Reporting Act. 

The unauthorized inquiries are listed by date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized and can not be verified as legitimate. Under the FCRA, TransUnion must ensure maximum possible accuracy ( 1681e ( b ) ), conduct a proper reinvestigation of disputed items ( 1681i ( a ) ), and report inquiries only when there is a permissible purpose ( 1681b ( a ) ). 

I am requesting the immediate removal of all unauthorized hard inquiries listed above.

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 2025-11-14 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: NC

Complaint narrative:
Good day XXXX, I have been paying my student loan with XXXX since XX/XX/year>. I set up automatic withdrawal for {$61.00} to come out of my checking account. For some reason an additional {$54.00} payment also came out of my checking account for XXXX. When I called I was told it was for another loan. I said well how many student loans do I have? I think he said XXXX, so I just didnt sweat it because I just want these student loans gone. So back to the {$61.00} payment, I checked my reports and saw that theyre reporting late. In the past few months or so, I have called XXXX, XXXX, and XXXX XXXX trying to make sure everything was in good standing. XXXX XXXX  said since Im a student again that I do not have to make payments again until XXXX. I told him no, that I wish to continue making payments now to them since they just took over my account from nelnet. I asked why do I have late payments on my reports when I been paying since XXXX, he said because when they took over I didnt pay. I asked how did XXXX XXXX  notify me that I had these payments? That nelnet no longer takes them out of my account and that I now had to start paying them. Thats when he said you are in student status and dont pay again until XXXX. My whole issue is, if I set up automatic withdrawal to pay XXXX student loan, why would I not set up any other that I had. I mentioned to him thats someone is not doing their job because I should have been notified of the change. He said they sent emails to an old email address, when I checked it, there was not one email from XXXX XXXX. This is really messing up my credit and its not fair when im actually paying. Please help me make this right, Thanks, have a blessed day!

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 2025-11-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Need a Flow agreement, Transfer assignment, Bill of Sale Has this debt been securitized? If so, the contact and account debt have been separated. That means you can not claim ownership of this debt. This is a violation under DUCC. Send me a details list of details history of payments made by me on this account. I'm asking to see if there has been any insurance claim filed on this debt. XXXX XXXX XXXX XXXX website states that AMSHER COLLECTION SERVICES doesn't have A State licenses or registration in the state of Florida to own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute submitted on XX/XX/year>, about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The furnisher has already confirmed that it lacks the documentation necessary to verify the account and agreed to remove it. Despite this, Equifax continues to report the account and has failed to provide the written reinvestigation results within the required 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ). This constitutes noncompliance with federal law and has caused ongoing harm to my consumer credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
I have had several purchases on credit card that were not mine. Then I received denial letter from XXXXXXXX who advised me that someone tried to open an account utilizing my name, They advised me to contact Experian, XXXX XXXX XXXX and put freezes on my account. I did this with XXXX XXXX XXXXXXXX  but could not get into my account with Experian because there was different verifying information under my social security number. The name used was XXXX XXXX with a phone number of XXXX. This phone number is not mine and my name is incorrect. Address and birthdate were correct. They would not supply the email to me. If you call that phone number, it is in XXXX XXXX, XXXX and it says mailbox is full. 

As of today, XX/XX/year>, I received a second denial with XXXX XXXX. I contacted XXXX and XXXX and there were no hits on my credit therefore it leads me to believe it is Experian again. I was advised by XXXXXXXX XXXX to file a complaint with you. Any help to repair this issue appreciated!

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 2025-11-14 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL

Complaint narrative:
I opened a platinum savings account XX/XX/XXXX and its now XX/XX/XXXX and I have not been able to withdraw my money out my account nor do I have access to log in. I feel hopeless that I cant take out any funds and the bank has held my money for more than a month they clearly dont care about their customers. I applied for the account as they heavily advised getting a {$300.00} sign up bonus when you deposit {$25000.00} which is what I did. If I knew I would be locked out of my account for a month I wouldve never opened this trash.Hopefully someone will help alert this bank to open my account back its literally the holiday season and theyre playing with peoples money. I should sue honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
into the last hour of the termination on Wed, XX/XX/XXXX, XXXX I sent an application for a second saving account then at XXXX I paid my credit card in full then at XXXX XXXX all my extern account linked to chase were disconnected then at XXXXXXXX XXXX my application for my saving fail and got an email saying " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon '' I call for them to say they are terminating all my accounts and I will no longer be able to bank with chase and that they will be sending the remailing balance in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AE

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This request is made pursuant to my rights under the FDCPA, 15 U.S. code section 1692g ( b ), and the FDCPA 15 U.S code sections 602, 609, 611, and 623. I'm requesting a copy of the original signed contract or application bearing my signature, establishing a legally binding obligation between myself and the original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
There is an item that was deleted from my credit report. You can see the date of deletion XX/XX/year>. It is now XX/XX/year> and now it's a new/ This was reinserted to my report after deletion. Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and they reinserted them without notifying me 5 days after. I have not received any mail. This account is in violation. If the account came back verified they failed to notify me with the documentation. Regardless the account is false and inaccurate. Under 15 U.S. Code 1681i ( 7 ) Method of verification this account is in violation it was reported without valid 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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion failed to correct inaccurate information after I submitted a formal dispute regarding an XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ( Account ending in XXXX ). Instead of performing a reasonable reinvestigation as required by FCRA 611, TransUnion only updated the date updated field and left all of the inaccurate reporting in place. 

The account continues to be reported incorrectly as Open, even though XXXX XXXX XXXX charged it off on XX/XX/year>. A charged-off and sold account can not remain open or active. This misrepresents my revolving utilization and violates FCRA 623 ( a ) ( 1 ) ( A ). 

TransUnion is also reporting the account as a Factoring Company Account/Open Account, which is false and misleading. This was a personal revolving credit card, not a commercial factoring account. 

Additionally, the documents provided by XXXX show multiple entities transferring ownership on the same date, with no proof of a valid chain of title, bill of sale, or assignment. XXXX also failed to provide proper validation, offering only billing statements and no signed card agreement, application, or documentation linking XXXX XXXXXXXX XXXX to XXXXXXXX XXXX right to collect. 

Despite these clear inaccuracies and missing verification, TransUnion did not correct the account or provide a meaningful reinvestigation. This is not compliance with the FCRA. 

I am requesting CFPB assistance because TransUnion refuses to correct or remove an account that is being reported inaccurately, incompletely, and without proper verification.

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