vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) mandates that furnishers and credit reporting agencies must ensure the maximum possible accuracy of the information reported. Furthermore, 15 U.S.C. 1681i requires that disputed information must be promptly investigated and corrected or deleted if found to be inaccurate or unverifiable. The continued reporting of inaccurate data violates these provisions and causes harm by affecting my creditworthiness unfairly.

I demand that all inaccurate information be deleted from my credit report immediately. Failure to do so will force me to file a claim against you for violation of my rights under the FCRA. Be advised that statutory damages, actual damages, and attorneys fees may be sought for willful or negligent violations as provided under 15 U.S.C. 1681n and 1681o. Take this demand seriously and act without delay to correct your reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I have been trying to close my credit account with concora credit, but every month they tell me they didn't receive my payment after telling me the previous month I was paid off, they add new late fees every month, and refuse to take any payment other than ACH payments and claim those didn't go through weeks after telling me the payment was completed. This has been going on for XXXX months, and they are on the XX/XX/XXXX for doing this to others. I have been paying them over a year to the payoff point XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
So I lost my card in the airport, XXXX assuming someone picked it up and used it all over they used it in California, then Georgia ; I checked my account because it notified me my balance was low after I made a purchase using my phone, so I filed a claim with my bank and they closed it within XXXX hours denying the claim XXXXXXXX XXXX XXXXXXXX and I dont have money to just give away to people they arent helpful at all they said XXXX sending me a new card but what about my money that was stolen, it was around {$800.00} something dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
I am disputing the information listed in this complaint as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX. Please note that verification of the account is not validation. If the debt can not be validated, I want the negative item removed from my credit profile immediately. This request is made pursuant to FCRA 605B, codified at 15 U.S.C. 1681c-2.

Credit Report Item : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
Someone tried to use my credit report to get a credit card from XXXX XXXX XXXX  on XXXX/XXXX/2025 submitted a hard credit inquiry on my TransUnion credit report. My identify theft report is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CO

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly 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 2025-09-28 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: CO

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly 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 2025-09-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that perso
n knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL HAS NOT VERIFIED DEBIT MANY CALLS AND EMAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 I filed a dispute for an unauthorized transaction on my visa credit card using the visa XXXX liability policy and asked for a provisional credit and was told XXXX not eligible because it happened on my credit builder account and not on my debit account.. I advised them that visa has a XXXX liability policy for unauthorized activity on the credit account as well and they still refuse to meet my needs and provide the provisional credit under the fair credit act and visa XXXX liability guarantee I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: CT

Complaint narrative:
b"Applying to a job at the bank my application was halted due to negative reports on my credit. Once I saw the report there were several accounts that I had no knowledge of listed below. \n\nMOHELA/XXXX  XXXX XXXX INSTALLMENT ACCOUNT\nDISP XXXX XXXX XXXX XXXX XXXX\nVERIF'D XXXX  BALANCE: XXXX INDIVIDUAL ACCOUNT\nOPENED XXXX  MOST OWEDXXXX XXXX PAY TERMS: XXXX XXXX XXXX\nPAST DUE:XXXX\nSTATUS AS OF XXXX ACCOUNT XXXX XXXX PAST DUE DATE\nIN XXXX XXXX XXXX FROM DATE VERIF'D XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE\nPAYMENT PATTERN:XXXX\nCONTACT SUBSCRIBER: MOHELA/DOFED  PH#: XXXX XXXX\XXXX XXXX XXXX XXXX XXXX XXXX\nMOHELA/DOFED E XXXX INSTALLMENT ACCOUNT\nDISP XXXX XXXX XXXX XXXX XXXX\nVERIF'D XXXX BALANCE: XXXX  INDIVIDUAL ACCOUNT\nOPENED XXXX MOST OWED: XXXX  PAY TERMS: XXXX XXXX XXXX\nPAST DUE:$XXXX\nSTATUS AS OF XXXX ACCOUNT XXXX XXXX PAST DUE DATE\nIN XXXX XXXX XXXX FROM DATE VERIF'D XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX LATE\nPAYMENT PATTERN:XXXX\nCONTACT SUBSCRIBER: MOHELA/DOFED PH#: XXXX XXXX\n633 XXXX XXXX XXXX XXXX XXXX\nMOHELA/DOFED E XXXX INSTALLMENT ACCOUNT\nDISP XXXX XXXX XXXX XXXX XXXX\nVERIF'D XXXX BALANCE: XXXX  INDIVIDUAL ACCOUNT\nOPENED XXXX  MOST OWED: XXXX PAY TERMS: XXXX XXXX XXXX\nPAST DUEXXXX\nSTATUS AS OF XXXX ACCOUNT XXXX XXXX  PAST DUE DATE\nIN PRIOR XXXX XXXX FROM DATE VERIF'D XXXX XXXX XXXX XXXX, 1 TIME/S XXXX XXXX LATE\nPAYMENT PATTERN:XXXX\nCONTACT SUBSCRIBER: MOHELA/DOFED PH#: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX\nMOHELA/DOFED XXXX XXXX INSTALLMENT ACCOUNT\nDISP XXXX XXXX XXXX XXXX XXXX\nVERIF'D XXXX BALANCE: XXXX  INDIVIDUAL ACCOUNT\nOPENED XXXX MOST OWED: XXXX PAY TERMS: XXXX XXXX XXXXnPAST DUEXXXX\nSTATUS AS OF 08/2025 ACCOUNT XXXX XXXX PAST DUE DATE\nIN PRIOR XXXX XXXX FROM DATE VERIF'D XXXX XXXX XXXX XXXX, 1 TIME/S XXXX XXXX LATE\nPAYMENT PATTERN:XXXX\nCONTACT SUBSCRIBER: MOHELA/DOFED PH#: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nMOHELA/DOFED XXXX XXXX INSTALLMENT ACCOUNT\nDISP XXXX XXXX XXXX XXXX XXXXnVERIF'D XXXX BALANCE: XXXX INDIVIDUAL ACCOUNT\nOPENED XXXX MOST OWED: XXXX PAY TERMS: XXXX XXXX XXXX\nPAST DUEXXXX\nSTATUS AS OF XXXX ACCOUNT XXXX XXXX  PAST DUE DATEXXXX PRIOR XXXX XXXX FROM DATE VERIF'D XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  LATE\nPAYMENT PATTERN:XXXX\nCONTACT SUBSCRIBER: MOHELA/DOFED PH#XXXX XXXX XXXXn633 XXXX XXXX XXXX XXXX XXXX\nMOHELA/DOFED XXXX XXXX INSTALLMENT ACCOUNT\nDISP XXXX XXXX XXXX XXXX XXXXnVERIF'D XXXX BALANCE: XXXX INDIVIDUAL ACCOUNT\nOPENED XXXX MOST OWED: XXXX PAY TERMS: XXXX XXXX XXXX\nPAST DUEXXXX\nSTATUS AS OF XXXX  ACCOUNT XXXX XXXX PAST DUE DATE\nIN PRIOR XXXX XXXX FROM DATE VERIF'D XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  LATE\nPAYMENT PATTERNXXXX\nCONTACT SUBSCRIBER: MOHELA/DOFED PH#: XXXX XXXX2\nXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.

Complaint narrative:
I was contacted by ABSOLUTE RESOLUTIONS INVESTMENTS over a debt of XXXX and XXXX XXXX XXXX about a debt of XXXX on XXXX XXXX XXXX  credit cards so i asked for a legal proof of debt any contract i signed with them and when this debt occurred and i didn't hear back from them at all, this my fourth time trying to verify my contract to settle debt on my behalf. they call my phone all day and night preventing me from sleeping and its embarrassing my family to answer these calls. Please have them stop and verify my contract or please remove these accounts from my credit report asap i tried to reach out to TranXXXXunion XXXX  and XXXX  they ignored my letters also and neither collection agency or debt collector have responded to my request for accurate legal ownership of the collection accounts appearing under different Collection agency names this debt has be sold several times over the course of several years and each time its sold the debt increases. Please reach out to all these agencies to help me get these errors and inaccurate accounts off all three of my credit reports thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kashable LLC
State: GA

Complaint narrative:
I am disputing this debt as invalid. I am a resident of XXXXXXXX XXXX and I have never resided at the address associated with this account ( XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX  ). The balance being reported does not add up correctly and is inaccurate. The company has failed to provide proper documentation verifying that this debt belongs to me, despite my dispute. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive accurate validation of any debt being collected. Instead, I have been contacted about an account that is not mine, tied to an address where I have never lived, and with amounts that do not reconcile. This creates an inaccurate and misleading representation of my financial obligations. 

I request that this debt collection activity stop immediately and that all inaccurate information be corrected with the credit bureaus, in compliance with federal law and XXXX consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - -- - Employer - -- - Incorrect Previous Address : - XXXX XXXX CT, XXXX, IL 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 2025-09-28 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: OH

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, OH XXXX DOB : XX/XX/XXXX SS # : XXXX Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, First Premier, XXXX, XXXX XXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( XXXX ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law. 

If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file a suit against you for any future violations of this law. 

I have attached a Police Report and FTC Report I expect your reinvestigation and a written response within the 30 days mandated by the FCRA. Thank you for your prompt attention to this matter. 

THERE IS SOMEONE APPLYING FOR CARS IN MY NAME AND THERE ARE SEVERAL INQUIRIES ON MY REPORT : XXXXXXXX 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
Consumer : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Report Reference # : XXXX Report Date : XX/XX/XXXX Complaint Summary TransUnion is inaccurately reporting my XXXX XXXX XXXX auto loan ( Account ending in XXXX ) as a charge-off/derogatory account even though my credit report clearly shows a {$0.00} balance. 

This is misleading and incomplete reporting. I am not requesting deletion of this tradeline. I am requesting that it be updated to properly reflect Closed/Paid/Transferred with {$0.00} balance instead of continuing to show as a charge-off. 



Details from My Credit Report My TransUnion credit file dated XX/XX/XXXX ( Ref # XXXX ) lists this XXXX tradeline as charge-off while also showing {$0.00} balance. 
The TransUnion summary shows XXXX delinquent account and XXXX derogatory account, which are entirely due to this XXXX account. 
My TransUnion XXXX is XXXX, but XXXX of the listed risk factors is You have too many delinquent or derogatory accounts. This is misleading because the only account driving this factor is the XXXX tradeline that should no longer be coded derogatory since no balance is owed. 
This contradictory reporting is directly suppressing my score and misrepresenting my creditworthiness. 



Violations of XXXX FCRA XXXX TransUnion failed to reinvestigate and correct misleading information. 
FCRA XXXX ( b ) TransUnion failed to follow reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( b ) XXXX XXXX, as furnisher, failed to provide complete and accurate reporting. 
XXXX XXXX XXXX XXXX that closed/paid/transferred {$0.00} balance accounts not carry indefinite charge-off/derogatory coding. 



Case Law Supporting This XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Even technically accurate reporting violates FCRA if misleading. 
XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : TransUnion must perform meaningful reinvestigations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XX/XX/XXXX ) : Closed, {$0.00} balance accounts reported derogatory were found misleading. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Furnishers must report complete and accurate information, not partial contradictions. 

Harm to XXXX XXXX are misled into believing I still carry unresolved charge-off risk. 
My TransUnion score is unfairly penalized by the too many derogatory accounts factor. 
This inaccurate reporting has caused ongoing financial harm and denial of favorable terms.

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