vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail.

In addition, I request the immediate removal of the following fraudulent accounts from my credit report.

ACCOUNTS : 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/year>

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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding unfair account access restrictions by Today Cash. I recently attempted to apply for a new loan through their website, but my access to my existing account was unexpectedly blocked. As a result, I have been unable to log in, view my account information, or complete a new loan application. 

Details of the Issue : I have had prior dealings with Today Cash and have always maintained good communication with the company. However, when I tried to apply for a new loan, the system would not let me access my account. I reached out to customer service for assistance, but they were unable or unwilling to restore my access or provide a clear reason why my account was blocked. I was not notified of any policy violation, delinquency, or eligibility issue that would justify this action. 

This situation has prevented me from using the companys services and raises concerns about fair treatment and transparency. If a company chooses to deny access to a customer account, there should be a clear explanation and an opportunity to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC XXXXb, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be updated. 

This was clearly a billing error made my the company and is not a reflection of my payment experience. 

They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 2025-10-28 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
happend to pull chexsystems report due do being declined when opening a checking account at XXXX XXXX, Upon looking I noticed some unusual things that was on my report like a Bank account reporting in the name of XXXX XXXX XXXXXXXX With a charge off in the amount of XXXX $ along with multiple bank inquiries. Ive never had authorized or ever had a XXXX XXXX XXXX account and I noticed addresses that I never stayed or and banks Ive never even applied for.

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 2025-10-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
happend to pull XXXX report due do being declined when opening a checking account at XXXX XXXX  Upon looking I noticed some unusual things that was on my report like a Bank account reporting in the name of XXXX XXXX XXXXXXXX With a charge off in the amount of XXXXXXXX XXXX along with multiple bank inquiries. Ive never had authorized or ever had a XXXX XXXX XXXX account and I noticed addresses that I never stayed or and banks Ive never even applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/year> filed disputes and the disputed came back verified and no change to my report so i decided to escalate it and file a complaint with the cfbp. 
XX/XX/year> I am writing to formally request the method of verification that your agency used to determine the accuracy and completeness of the information listed below in my credit report, as provided for by the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) .Please provide me, within XXXX  days of receipt of this letter, a detailed description of the procedure you used to verify the disputed information, including : The business name, address, and telephone number of each furnisher of information contacted in connection with this reinvestigation. 
The name of the person with whom you verified the details. 
The documentation or communication methods used to verify the information. 
The date ( XXXX ) of contact and the results of the reinvestigation. 
Disputed Item ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payments : XXXX  XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under : 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) Section 2 which states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payments be updated to paid on time according to these XXXX laws If you can not provide proper verification for the information requested and valid supporting documentation, please remove the above-mentioned disputed item ( XXXX ) from my credit report immediately and permanently, as required by law. XXXX to do so will result in me filing a formal complaint with the Consumer Financial Protection Bureau { CFPB }. Please also provide me with a copy of my updated Credit Report after any updates to my report. Thank you for your prompt attention to this matter Sincerely

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 2025-10-28 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-28 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:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the above-referenced account that LVNV Funding LLC has reported on my credit file. This letter is being sent in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

I recently obtained a copy of my credit report and found that your company is reporting a collection account that I do not recognize and/or believe contains inaccurate or incomplete information. Specifically : The alleged debt has not been properly validated.

I have not received any documentation proving that LVNV Funding has the legal right to collect on this debt.

The information being furnished to the credit bureaus may be inaccurate, incomplete, or outdated. 

Under federal law, I am requesting the following : Validation of the debt including the original creditors name, account details, itemized balance, and documentation proving LVNV Fundings ownership or assignment of this debt.

Verification of reporting accuracy if you can not provide documentation verifying the accuracy and completeness of this account, you must request that the credit reporting agencies delete the entry immediately.

Cessation of reporting until this matter is fully resolved, you must cease reporting this account to all credit reporting agencies as required under 15 U.S.C. 1692g ( b ).

If LVNV Funding can not substantiate this account with proper documentation, I request that you promptly remove all references to this collection from my credit reports with XXXX XXXX and XXXX. 

Please send your response and all requested documentation to my address listed above. I expect a written response within 30 days, as required by the FCRA and FDCPA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
In XX/XX/2025, I returned all XXXX equipment to a XXXX XXXX as instructed by XXXX. The official XXXX XXXX Return Receipt ( dated XX/XX/2025 ) confirms that all three devices were returned. Despite this, XXXX reported a {$1500.00} balance claiming the equipment was received after their 14-day window. 

XXXX confirmed receipt but refused to remove the charge. In XX/XX/2025, XXXX transferred this account to Transworld Systems Inc. ( TSI XXXX, XXXX ) for collection. I have repeatedly disputed the account with XXXX most recently in XX/XX/2025, and XXXX continues to report the tradeline as verified without any supporting documentation. 

The attached XXXX return receipt clearly shows the items were received. This is a billing policy dispute, not a legitimate unpaid debt. XXXX and TSI are reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA 611 and 623 ) and the Fair Debt Collection Practices Act ( FDCPA 1692g ).

I am requesting deletion of this XXXX/TSI tradeline from all credit reports and written confirmation of removal from both XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I am the account holder for mortgage loan # XXXX. This account was 43 days past due on the date of this incident, XXXXXXXX XXXX XXXX  I have experienced a financial hardship due to an unexpected medical event which I have been facing this year. 

Initial Payment Refusal ( Account Holder Call ) On XXXX XXXX XXXX at approximately XXXX, I contacted the servicer to make a payment for the previous month 's missed installment and discuss bringing the account current. I explained that the late payment was due to unforeseen medical expenses that caused a temporary disruption to my income/savings. The representative refused to accept the payment and demanded that I " elaborate more than just 'medical condition ' '' to process the payment and stated " If I am refusing to work with them, then why should they work with me? '' I explained that I was prepared to make the previous month 's payment but refused to disclose my private medical details, as they are irrelevant to the payment transaction itself and are protected information. The representative insisted on taking the full amount of all arrears because I would not go into greater detail regarding my health, essentially making payment conditional on disclosing private medical data. The representative then refused the payment. 

XXXX XXXX and Continued Pressure Immediately after, my authorized partner, XXXX XXXX, called the mortgage servicer. He was eventually able to process a single previous month 's payment ; however, the staff member still insisted on receiving more details about the underlying medical matter. 

Managerial Harassment and Default Threat The call was then escalated to a XXXX XXXX. This XXXX was highly unprofessional. They continued to insist on sensitive medical information and then made inappropriate and negative insinuations about both my partner 's and my current financial status and ability to manage the loan. 

The manager explicitly stated or strongly suggested that the account would soon default and used language intended to intimidate us into providing private information or paying the full arrears immediately, despite the fact that a payment had just been processed. This behavior constitutes harassment and is a clear attempt to improperly pressure the borrower during a hardship.

The telephone conversation with my partner was recorded and can be provided to the department. 

Summary of Violation The mortgage servicer : Refused a valid, offered payment due to the borrower 's refusal to disclose protected medical information, which the servicer is not entitled to demand. 

Engaged in harassment and intimidation by threatening default and making negative, unsubstantiated claims about our financial status. 

This conduct is unacceptable and places my account at unnecessary risk of further negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I purchased an Outdoor Wicker Rocking Egg Chair with Cushion from XXXX on XX/XX/year>, using my TD Credit Card via XXXX checkout. Crucially, neither XXXX nor TD Bank informed me prior to completing the purchase that this was a foreign transaction or that a foreign transaction fee would or may apply. TD Bank took 5 days to post the transaction. Upon the transaction posting, I discovered that I was charged a {$4.00} foreign transaction fee. Failing to inform customers that a transaction is foreign and subject to a foreign transaction fee is deceptive and potentially illegal. I contacted TD credit card services on XX/XX/XXXX to request a refund of the {$4.00} foreign transaction fee that I neither was informed about nor agreed to be charged, however, the representative stated that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-10-28 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation