vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tilt Finance, Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding Empower Payday Loan Now Tilt, as I believe they have acted improperly in recharacterizing my account without my knowledge or consent and subsequently reporting it to credit bureaus.

When I initially entered into this arrangement with Empower Payday Loan Now Tilt, I did so under the understanding that the account would not involve any credit reporting. This was a key factor in my decision to proceed with the agreement. However, I recently discovered that the account has been recharacterized, and it is now being reported on my credit file. This change was made without my knowledge, consent, or any prior notification.

This action has caused significant distress and has potentially impacted my credit standing. I believe this behavior is both unethical and potentially in violation of consumer protection laws. I am requesting the CFPB to investigate this matter and ensure that Empower Payday Loan Now Tilt is held accountable for their actions.

To assist with your investigation, I am happy to provide any relevant documentation, including copies of my original agreement with Empower Payday Loan Now Tilt, correspondence, and evidence of the credit reporting. Please let me know if additional information is required.

I have attached the terms of service from when I signed up on the mobile application.

I kindly request that the CFPB take the following actions : Investigate Empower Payday Loan Now Tilts practices regarding account recharacterization and credit reporting. 
Ensure that any unauthorized or inaccurate credit reporting is corrected immediately. 
Provide guidance on how I can protect my rights and prevent further harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: AL

Complaint narrative:
Subject : Formal Dispute of Revenue Group Demand for Immediate Investigation and Removal I am writing to formally dispute the accuracy and legitimacy of the collection account reported by Revenue Group account # XXXX, XXXX.This account is erroneous, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and recent regulatory actions. 
Basis for Dispute 1. Data Integrity Compromised XXXX  Breach In light of the recent XXXX  data breach disclosed in XXXX, I have reason to believe that my personal information may have been compromised and misused. Any data furnished by XXXX XXXX must be revalidated under heightened scrutiny. XXXX, XXXX, XXXX  has a legal obligation under 1681e ( b ) of the FCRA to ensure maximum possible accuracy, especially following a breach. 
2. This account may be part of a portfolio affected by those violations. Continuing to report this account without proper validation constitutes willful noncompliance.

3. No Contractual Privity or Chain of Title I demand documented proof of the chain of assignment from the original creditor Revenue Group Without a valid contract or assignment, Revenue group has no standing to collect or report this debt. See XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which affirms the necessity of a valid assignment. 
4. Pre-Arbitration Notice This letter serves as a formal pre-arbitration notice. If this account is not removed within 30 days, I will initiate arbitration proceedings under the terms of your consumer agreement and applicable laws. I reserve the right to seek damages for negligent reporting, emotional distress, and statutory violations. 
Demand for Action I demand the following : Immediate deletion of the Revenue Group account from my credit report. Full reinvestigation of the account under 15 U.S.C. 1681i. Written confirmation of the results of your investigation. Disclosure of all documents used to verify the account, including contracts, payment history, and assignment records. Failure to comply will result in arbitration and/or legal action. 

Sincerely, XXXX XXXX XXXX XXXX. Attorney General CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
I applied for a loan they approved me for a XXXX then denied me the next morning after sending me a message confirming that my deposited will be in my account however after the fact I tried to go into XXXX XXXX  XXXX  account and delete my card that was added and I can't I can't even delete the account may some please help me I feel like my XXXX XXXX  is a scam

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hey I was trying to purchase a house that I really worked hard for. And that's when it hit me that I had damages on my credit report that I have no acknowledgment of these unauthorized fraudulent accounts. This has caused so much stress to me and my family because we were unaware of this issue. According to the 15 U.S.C 1681c-2 law there should not be any damages on my report, this is defamation to my character. PLEASE SEE ATTACHMENTS.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: IL

Complaint narrative:
XXXX XXXX Stillman Law Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX Re : Reference Number XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/2025, regarding the alleged debt you claim I owe to Legacy Property Management. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 
Please be advised that I dispute this alleged debt in its entirety. I request that you provide proper validation of the debt, including but not limited to : The original signed agreement or lease bearing my signature showing I am legally obligated. 


A full itemized accounting of how the amount of {$5100.00} was calculated. 


Proof that your office is legally authorized to collect this alleged debt. 


The name and address of the current creditor if different from the original.

Documentation proving that this debt has not been paid, settled, or discharged.

Until you provide the requested documentation, you must cease all collection efforts and not report or must remove any negative credit reporting related to this account. 
Be advised that any continued attempts to collect a debt without proper validation constitute a violation of the FDCPA and FCRA. I am keeping a record of all correspondence for documentation purposes. 
This is a notice that your claim is disputed. Once validation is provided, I will review it and respond accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a certified letter along with my bankruptcy discharge papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am writing to dispute the accuracy of the following credit card accounts that appear on my credit report. These accounts are reporting late payments and/or past-due balances that I believe are inaccurate, incomplete, or otherwise do not reflect my true payment history. The accounts in dispute are as follows : WFBNA CARD Account number : XXXX | Balance : {$1700.00} | Past Due : {$220.00} | XXXX late payments WFBNA CARD Account number : XXXX | Balance : {$0.00} | Closed, 4 late payments XXXX Account number : XXXX | Balance : {$0.00} | Closed, 1 late payment These entries contain inaccurate negative information. I request that the credit bureaus conduct a reasonable investigation, remove or correct these inaccuracies, and update my credit file accordingly. 
Please provide me with a written response detailing the results of your investigation and any actions taken. If you verify the accuracy of these items, kindly provide the specific documentation relied upon, including billing and payment records.

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: 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 certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX XXXX  Account number : XXXX Opened : XX/XX/year> Balance : {$2800.00} Account name : XXXX Account number : XXXX Opened : XX/XX/year> Balance : {$20000.00} INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX 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 non-monetary relief
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: SC

Complaint narrative:
Subject : Dispute of Credit Report Entry & Violation of Privacy Rights under 15 U.S.C. 6802 and the FCRA Dear [ Name or To Whom It May Concern ], I am writing to formally dispute an inaccurate and unauthorized entry on my credit report and to raise a concern about a potential violation of my privacy rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Disputed Entry : Creditor/Company Name : XXXX  Account Number : Date Reported : XX/XX/year>XXXX  Credit Bureau ( s ) : [ Equifax / TransUnion XXXX Experian specify all that apply ] Basis for Dispute : I dispute the accuracy and validity of this entry. I request that you provide : 1. Proof of the debt or obligation being reported.

2. A copy of the original contract or agreement bearing my signature ( if one exists ).

3. Documentation that supports your legal right to report this information, especially in light of privacy obligations under 15 U.S.C. 6802, which prohibits the sharing of nonpublic personal information with nonaffiliated third parties without providing the consumer with clear notice and an opportunity to opt out. 



To date, I have not received proper notice, nor did I consent to any such disclosure of my personal financial information. If my nonpublic personal data was shared or reported without compliance with 15 U.S.C. 6802, such reporting may be unauthorized and must be immediately removed. 



Under the FCRA, I am entitled to : A prompt and reasonable investigation of this dispute. 

Written notice of the results of the investigation. 

Deletion or correction of any information that can not be verified. 



Requested Actions : Immediately investigate and remove the disputed entry if it can not be verified within 30 days. 

Provide written confirmation of your findings and actions. 

Confirm compliance with 15 U.S.C. 6802 concerning the sharing and use of my personal data.

This letter serves as my formal dispute under the FCRA and my notification of potential privacy violations under the GLBA. If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursue further action. 



Please respond in writing within 30 days, as required by 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 non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I received access to my credit karma account that was opened by my mother. When I signed in, I was made aware that there is a Capitol One credit card opened up in my name. I did not open this credit card. I did receive an email about the credit card in XXXX, but after asking my parents about it I was told to just ignore it. When we discovered the card, we immediately disputed it ( XX/XX/XXXX ). On XX/XX/XXXX, I received the first credit card statement ever received from this account in the mail. On XX/XX/XXXX, I called Capitol One to file a fraud claim, which they have now done and locked the card. When trying to sign into the Capitol One account ( XXXX XXXX ), I tried to reset the password and discovered the card is associated with my address, but it is attached to a different phone number than my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding the XXXXXXXX XXXX XXXX companys handling of my account. 

On XX/XX/year>, I paid off my account in the amount of {$480.00}, under the assumption that my account was still active. However, upon contacting XXXX, I was informed that my account had been suddenly closed on XX/XX/year>, without any prior communication, correspondence, or warning from the company. 

The stated reason for this closure appears to be that I exceeded my credit limit on one occasion. While I understand that going over the limit may warrant corrective action, I strongly believe that immediately closing my account without notification or the opportunity to rectify the situation is both unfair and damaging to my credit history.

It is important to note that during my entire time holding this account, I was only late on one payment, and I have otherwise maintained my account responsibly. Given this track record, the sudden closurewithout prior noticefeels both disproportionate and unjustified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief