vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
Wakefield Associates Original creditor emergency care services of pa RE : Account Number : XXXX Original Creditor : XXXX XXXX XXXX now closed ) To Whom It May Concern, I am writing in response to your communications regarding the above-referenced alleged medical debt. This letter serves as formal notice that I dispute the validity of this debt in its entirety and demand that all collection activity cease immediately. 

XXXX XXXX, the alleged original creditor, is permanently closed, and I never provided consent or authorization for my medical account or protected health information to be sold or transferred to a third-party collection agency. As such, I request written verification of the following : 1. Proof that this debt is valid and legally enforceable 2. Proof that you have the legal right to collect this debt 3. Documentation showing my consent to the sale or transfer of this alleged medical debt 4. A complete itemized statement of charges from the original provider Until such documentation is provided, you are required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to cease all collection efforts, including but not limited to phone calls, letters, credit reporting, or legal action. 

Additionally, under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist from all further communication with me, except to confirm in writing that : Collection efforts have stopped, or The matter has been closed and the account has been returned or dismissed Any further contact that does not comply with federal law will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other appropriate regulatory agencies.

This letter is not an admission of liability and is sent in good faith to protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX filed bankruptcy and is now permanently closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: UPGRADE, INC.
State: NE

Complaint narrative:
I am a victim of identity theft. I discovered that seven ( 7 ) loan accounts were fraudulently opened in my name with Upgrade, without my knowledge or authorization. I never applied for, approved, or benefited from any of these accounts.

After noticing these accounts on my credit report, I contacted Upgrades fraud department and reported the identity theft. I requested a full investigation, written confirmation that the accounts were not authorized by me, and removal of all fraudulent accounts from my credit report.

Despite reporting the fraud and cooperating with the company, the fraudulent accounts remain on my credit report, and I have not received proper confirmation or resolution. These inaccurate accounts are negatively affecting my credit and financial standing.

I am requesting that Upgrade immediately remove all seven fraudulent accounts, confirm in writing that they were unauthorized, and correct all credit reporting related to this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing inaccurate personal information on my credit report that does not belong to me and appears to be causing a mixed or incorrect credit file. 

Incorrect Names Listed : XXXX XXXX ( Name ID # XXXX ) XXXX XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) Incorrect Addresses Listed : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Address ID XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Address ID XXXX XXXX ) Correct Information : My correct and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX Requested Resolution : Please permanently remove all incorrect names and addresses listed above and update my credit report to reflect only my accurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing inaccurate personal information on my credit report that does not belong to me and appears to be causing a mixed or incorrect credit file. 

Incorrect Names Listed : XXXX XXXX ( Name ID # XXXX ) XXXX XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) XXXX XXXX ( Name ID # XXXX ) Incorrect Addresses Listed : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( Address ID XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Address ID XXXX XXXX ) Correct Information : My correct and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX Requested Resolution : Please permanently remove all incorrect names and addresses listed above and update my credit report to reflect only my accurate personal information.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I respectfully disagree with Bank of Americas response and request continued CFPB review. Bank of America claims the information reported is accurate ; however, the response does not demonstrate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681s-2 ( b ). The materials provided consist of internal statements and summaries, which do not constitute lawful verification or evidence of a reasonable investigation. Bank of America failed to provide : A signed or legally binding cardholder agreement ; A complete itemized accounting explaining how the balance was calculated ; Proof that all interest, fees, and charges were lawfully assessed ; Documentation showing a reasonable investigation based on competent source records. 
Under 15 U.S.C. 1681i ( a ) ( 1 ), information that can not be verified must be corrected or deleted.

Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and correct or delete inaccurate or unverifiable information. Despite this ongoing dispute, Bank of America continues to report the account as accurate and verified, which may constitute willful or negligent non-compliance under 15 U.S.C. 1681n and 1681o. I have uploaded a complete dispute package documenting these deficiencies. Requested CFPB Action : 1. Require Bank of America to provide lawful verification supported by competent documentation ; or 2. Require correction or deletion of all inaccurate or unverifiable information reported to 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 explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). TransUnion continues to report inaccurate, misleading, internally inconsistent, and legally impermissible information on my consumer credit report despite prior disputes and purported reinvestigations.

TransUnion has failed to comply with its statutory duties to ensure maximum possible accuracy ( 1681e ( b ) ) and to conduct reasonable reinvestigations ( 1681i ). The disputed tradelines contain facial inconsistencies, mathematically impossible payment histories, post-closure delinquencies, and duplicate or conflicting reporting that can not be reconciled as accurate.

The full legal analysis, account histories, and documentary evidence are 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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased round-trip flights through XXXX XXXX XXXXXXXX XX/XX/XXXX / XXXX XX/XX/XXXX ) and was charged {$2500.00} ; the same day Booking.com emailed that the booking failed/canceled and stated a full refund would be issued if I was charged, so I bought replacement non-refundable tickets elsewhere and traveled on those. I did not learn the XXXX tickets were still active until XX/XX/XXXX, when XXXX emailed me to check in, and I discovered XXXX had issued/kept tickets anyway, resulting in duplicate tickets and charges. XXXX later issued only a partial refund of {$71.00}, leaving {$2400.00} unresolved. I contacted XXXX  multiple times and provided their cancellation email, but they denied the cancellation and did not resolve it, so I filed a billing dispute with American Express for {$2400.00}, which American Express closed/denied ( citing late filing or similar ) without crediting the remaining amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
On XX/XX/year> I got an x-ray of my shoulder done with XXXX XXXX XXXX 
A few weeks ago, I received mail informing me I owe {$150.00} from a debt collector. I requested info be sent about this debt, because I was never sent a bill or informed that I owed anything. 
I just received mail from the debt collector ( Gulf Coast Collection Bureau ) today about this debt being from the x-ray I had done a year and a half ago. 
I have been to my doctor who is with the XXXX XXXX XXXX many times and they have my address on file. I was never told or mailed a bill. So the fact it went to collections without even being informed of it and having a chance to pay it, is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 filing this complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate late payment information on my credit file and for failing to comply with their reinvestigation duties under the Fair Credit Reporting Act ( FCRA ). 

Late payments are being reported on a XXXX account that has always been paid as agreed and on time. This account has never been 30 days late, and the negative payment history being reported is factually inaccurate. 

The disputed account information is as follows : Creditor : XXXX Equifax / TransUnion Account Number : XXXX Experian Account Number : XXXX Correct Status : Paid as agreed never late I submitted written disputes to all three credit bureaus on XX/XX/year>, clearly identifying the inaccuracies and demanding verification through actual furnisher documentation such as bank transaction records or proof of rejected payments. 

Despite receiving these lawful disputes, the inaccurate late payments continue to be reported. This demonstrates a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Any delay or dismissal of my disputes based on assumptions of third-party assistance is unlawful. The FCRA does not permit credit bureaus to delay or disregard disputes, demand a power of attorney, or discriminate against consumers who receive assistance.

This inaccurate reporting has harmed my credit profile and exposed me to potential credit denials and higher interest rates.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this letter to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report. Upon a thorough review of my file, I have identified several items including my personal identifying information, account reporting, and an inquiry that are inaccurate or unverifiable. These inaccuracies misrepresent my true credit history and negatively affect my financial reputation, creditworthiness, and ability to access credit under fair and accurate terms. I am requesting that Equifax, Experian and TransUnion conduct a complete reinvestigation of the items listed below, verify the information directly with the furnishers, and update or correct all inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) requiring maximum possible accuracy, 611 ( 15 U.S.C. 1681i ) regarding reinvestigation of disputed information, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) regarding obsolete or misleading information, and 609 ( 15 U.S.C. 1681g ) regarding my right to obtain supporting documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The combination of inaccurate personal information, incorrectly reported late payments, and a potentially unverifiable inquiry represents a significant misrepresentation of my financial history. These errors have the potential to affect my ability to secure credit, result in unfair financial treatment, and create unnecessary confusion for lenders and other institutions. The persistence of these errors, despite my prior review of my credit report and previous disputes, is extremely frustrating.

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 2025-12-16 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: Credit Central Holdings, LLC
State: AL

Complaint narrative:
XXXX to 15. u.s.c 1692 ( c ) you have voilated my rights by in lawful communications please remove this charge off off my credit report thank you.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
Experian consumer fraud equifax and trans union supposed to removed all adverse information and collection accounts and charge offs and accounts that show XXXX days late these accounts don't belong to me their is a federal trade commission identity report on file the adverse information supposed to be removed in XXXX hours off my credit report my social security 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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complaint regarding Chase Banks handling of unauthorized debit card transactions on my account. 

I experienced multiple unauthorized debit card transfers that I did NOT authorize, initiate, or approve. These transactions were processed through XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

The unauthorized transactions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not share my debit card number, online banking credentials, PIN, or one-time passcodes with anyone. These transactions were the result of fraud and were not caused by negligence or intentional actions on my part. 

I reported the unauthorized activity to Chase promptly. However, Chase closed my dispute after only a few days and stated that they have no options available for me. I was not provided with a clear, detailed written explanation or evidence supporting their decision. 

Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected from unauthorized electronic fund transfers when reported in a timely manner. I believe Chase did not properly apply these protections and failed to conduct a reasonable investigation. 

I am requesting that Chase reopen and reconsider my dispute, conduct a full and fair investigation, and provide reimbursement or provisional credit for the unauthorized transactions, or provide a detailed written explanation specifying the exact basis for denial. 

I respectfully request CFPBs assistance in reviewing Chases handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CEASE AND DESIST DEMAND To : LNNV Funding From : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Subject : Cease and Desist Unlawful Conduct Dear LNNV Funding, This letter serves as a formal demand that you immediately CEASE AND DESIST all forms of contact, collection activity, or any other action related to alleged debts or financial claims against me, XXXX XXXX, at the above address. 

I do not acknowledge any legitimate debt owed to your organization. Any further attempts to contact me, report to credit agencies, or pursue collection without proper legal validation will be considered harassment and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable Florida and federal laws.

You are hereby instructed to : 1. Cease all phone calls, letters, emails, or other forms of communication.

2. Provide written verification of any alleged debt, if you believe one exists.

3. Refrain from any further collection efforts unless legally substantiated. 


Failure to comply with this demand will result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and potential civil litigation. 

This letter is written without prejudice and does not waive any rights or remedies available to me under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1666B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT # 12345, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1666B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSES.

Company response to consumer: Closed with explanation