vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Debt on My Credit Report Dear Leafy, I am writing to formally dispute a debt that has been listed on my credit report under your companys name. I recently discovered this debt while reviewing my credit file, and I am requesting that it be investigated and removed immediately as it is not mine. 

I have never received any prior communication from your office regarding this alleged debt. Additionally, I have never signed any contract or entered into any agreement with your company or any organization you may be representing. Therefore, I have no legal obligation to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of this debt, including : XXXX. The name of the original creditor, XXXX. The amount of the alleged debt, XXXX. Proof that I am legally obligated to pay it ( such as a signed agreement ), XXXX. A detailed explanation of how this debt was incurred. 



Please treat this letter as a formal request for debt validation and a dispute of the debt under the FCRA. While this matter is under investigation, you are required to mark the account as in dispute on any credit reporting you do and to cease all collection activity until the debt is validated. 

If you can not provide the requested information, this debt must be immediately removed from all credit bureaus and your records corrected accordingly. 

Please respond to this letter within 30 days, as required by federal law. Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this serious matter. I look forward to your written confirmation that this debt has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
the account was disposed of under equitable rights and relief however the account is still appearing on the credit profile which has caused injury and still causing injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
Was sent a prepaid XXXX  from the XXXX  data breach settlement. The website is XXXX. All the website spits out is errors. When I tried to use the card online for XXXX it says invalid card. XXXX  sent out dud cards hoping people will just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion 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 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 CFPB XXXX XXXX XXXX TransUnion 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

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
A workers compensation check was sent live check i deposited in my XXXX XXXX XXXX account sent as approved endorsed check as I normally do my banking representative seen nothing wrong as k seen nothing wrong check sent bck as & image was same as before upon investigation nothing was seen or done differently wells fargo reversed it left me in negative nobody doing anything & I never had a negative account banking with XXXX XXXX XXXX XXXX they told me never a late payment on my truck until this happened i have a ontime payment history as 100 % on time payment never late now I can't have auto pay due to this error I didn't cause it cause me to lose in the end nothing was wrong with that check it was looked at & past images never done anything different XXXX yrs on workers compensation this is wells fargo bad business practices & should be accountable for what happened. If not I'll file a personal claim against them.

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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Unlawful Reporting of Disputed Debt XXXX XXXX XXXX  Account # XXXX Complaint Summary : I am filing this complaint against XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and demand for validation, XXXX continues to report inaccurate and unvalidated information to the credit bureaus. 

Timeline of Violations : XX/XX/scrub> 2025 I sent a written demand for proper validation of the alleged debt. XXXX provided only a copy of a lease and a self-generated invoice, which does not meet FDCPA 809 ( b ) requirements. 
XX/XX/scrub>, 2025 I followed up, reiterating the lack of lawful validation and requesting deletion. 
As of today XXXX continues to report this account without providing objective, third-party evidence of my liability, violating FCRA 623 ( a ) ( 3 ), 623 ( a ) ( 4 ), and 1681s-2 ( b ).

Specific Violations : FDCPA 809 ( b ) : Failure to properly validate debt before continuing collection or reporting.

FCRA 623 ( a ) ( 3 ) : Failure to report the account as disputed.

FCRA 623 ( a ) ( 4 ) : Continued reporting of inaccurate information.

FCRA 1681s-2 ( b ) : Failure to conduct a reasonable reinvestigation. 


Evidence Provided : I have attached : Copies of my dispute letters ( XX/XX/year>2025 & XX/XX/year>2025 ). 
Proof of delivery and XXXX lack of sufficient response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation for what I believe are predatory lending practices, misuse of interest application, and potential violations of federal consumer lending laws, particularly 15 U.S.C. 1615. 

In XXXX, I purchased my first vehicle, a XXXX XXXX XXXX XXXX, from a dealership that arranged financing through Credit Acceptance. The amount financed was {$24000.00} at a 22.99 % APR, with a finance charge of {$20000.00} resulting in a total payment obligation of {$45000.00}. My monthly payment has been {$630.00}.

I did fall behind during financial hardship, but I have since brought the loan current. Despite this and already having paid over {$30000.00}, I still owe approximately {$15000.00} and almost no meaningful reduction has occurred in the principal balance.

This led me to suspect that Credit Acceptance may be using a precomputed interest method or Rule of 78s amortization, which front-loads most of the interest into the early portion of the loan. If used on a loan over 61 months, this violates 15 U.S.C. 1615, which prohibits such practices. I believe this practice has artificially inflated the amount I still owe and may constitute an unfair or deceptive lending structure.

I have requested a clear and complete accounting of how my payments were applied. However, the information provided by Credit Acceptance has been vague, unclear, and lacks transparency. As a first-time car buyer, I trusted the dealership and financing process, not fully understanding the long-term consequences of this high-cost loan structure.

The car was already 4 years old at the time of purchase, and I believe I was sold the vehicle at an inflated price with abusive financing terms. I now feel trapped in an unending cycle of debt due to how the interest was calculated and front-loaded.

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 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a phone call and subsequently mail at my new address ( how they obtained that private information is beyond me ) from Jefferson Capital, where theyre trying to get me to pay for a XXXX XXXX that doesnt make any sense. Ive never opened an account with XXXX. It seems entirely like a scam, but how they obtained my information to contact me is also worrisome. 

I am also in the process of filing a police report against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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 am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : XXXX. Account Name : XXXX Account Number : 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 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 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 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 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 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 XXXXXX/XX/XXXX Balance : {$8600.00} I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sharing letter sent to SoFi Dear SoFi Credit Reporting Department, I am writing to formally dispute inaccurate information reported on my credit file concerning my SoFi account # [ Insert Account Number ]. 

Specifically, SoFi has reported late payments on my account, which I assert is incorrect. These payments were never submitted to my bank for processing and therefore could not have been paid late. I have reviewed my bank statements, and there is no record of SoFi initiating any payment request during the time periods in question. 

I request that you conduct an investigation into this matter and provide documentation of when the payment requests were submitted to my financial institution. If you are unable to provide such documentation, I ask that you promptly correct the inaccurate late payment reporting and update all relevant credit bureaus. 

Please treat this letter as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). I also request that you provide a written confirmation once the investigation is complete and any necessary corrections have been made. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: OK

Complaint narrative:
I am disputing a debt being reported by IQ Data XXXX. They claim I owe {$5200.00} from an eviction. Theyre charging me 6 % a day but the court judgment ( attached ) only granted possession of the premises no money judgment was awarded. 

I sent a debt validation letter over 30 days ago, and they never responded. They continue to report this false debt to credit bureaus. 

This is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request this collection account be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my third dispute regarding a XXXXXXXX XXXX account that was closed and charged off in 2022. Despite multiple formal disputes submitted to Experian, Equifax, and TransUnion, the account continues to report as derogatory and updates monthly, creating a false impression of recent activity. This results in unlawful re-aging, artificially prolonging the negative impact on my credit profile.

Although the credit bureaus now list the dispute as " resolved '', no proper reinvestigation was ever conducted, and I received no documentation or verification of the alleged debt. This violates the following provisions of federal law : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate disputed information.

Gramm-Leach-Bliley Act ( GLBA ) Privacy Provisions Failure to safeguard or properly verify consumer information before sharing.

This continued reporting is not only inaccurate but also constitutes willful noncompliance with the Fair Credit Reporting Act. The re-aging of the debt through monthly derogatory updates is deceptive, misleading, and damaging to my creditworthiness.

I am requesting the following actions : Immediate and permanent deletion of the XXXX XXXX  account from all consumer reporting agencies.

A formal investigation into XXXX XXXX  and the involved credit bureaus for their pattern of noncompliance.

Enforcement measures against all parties for violating federal consumer protection laws.

Why I have not received any documentation or resolution notice from my prior CFPB complaint.

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 2025-07-27 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:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX  Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

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 2025-07-27 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:
I was XXXX  in the XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, TX ) from XX/XX/XXXX till XX/XX/XXXX. Upon my release, I did a 3 bureau credit sweep and noticed that i am a victim of identity theft. In XX/XX/XXXX i filed disputes with all 3 credit burueaus and with the CFPB ( CFPB Complaint # XXXX ). As of today, I have 21 credit account reporting differences between all 3 credit bureaus as well as 1 account that is in collections. I also have several different addresses, names and personal information that is still incorrect on my files.

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