vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sparrow Financial, Inc.
State: OR

Complaint narrative:
I received a notification from Sparrow Financial that my card was locked due to a " security threat '' and they would be sending an email stating why it was locked. The email simply stated to submit my personal banking information information along with my personal info to unlock my account. It offered no explanation as to why it was locked nor how my personal banking information could somehow address a " security concern '' on my account. 

When I contacted their offices they again refused to provide me any details and once again demanded my personal banking information including bank account number and routing number. They refused to provide any information as to why this was required nor how my personal information would mitigate a security risk on my account. 

It seems to be an attempt to obtain personal information for the purpose of selling consumers personal and banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX Card, regarding continued inaccurate reporting of a charged-off account as late each month, with a total balanced of {$4700.00} reporting every month, despite the account having been charged off and despite my documented XXXX financial hardship sent to them in XX/XX/year>. 

During the height of the pandemic, I suffered a loss of income and requested relief or accommodation in line with the XXXX XXXX XXXX XXXX, which required creditors to report accounts as current if an accommodation was in place. 

XXXX XXXX failed to do so and has continued to report this account as delinquent and late even after the charge-off, which is both misleading and damaging to my credit. I've been disputing this now for over 3 years, I've recently contacted all three bureaus who has failed to fix the issues as well and it hasn't been resolved. My XXXX XXXX continuously drops every month due to these reporting and it is causing more hardship, as it is damaging to my credit.

Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Furnishing inaccurate credit information FCRA 1681c Misreporting old or re-aged debt CARES XXXX XXXX XXXX Failure to properly report accommodation during XXXX FDCPA and FDUTPA ( Florida law ) Unfair and deceptive reporting and collection actions Despite my direct dispute and request for correction, XXXX XXXX has refused XXXX XXXX the repeated late payment notations. This ongoing negative reporting is inaccurate and harmful and violates both federal and state consumer protection laws.

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 2025-07-19 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: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX Card, regarding continued inaccurate reporting of a charged-off account as late each month, with a total balanced of {$4700.00} reporting every month, despite the account having been charged off and despite my documented XXXX financial hardship sent to them in XX/XX/year>. 

During the height of the pandemic, I suffered a loss of income and requested relief or accommodation in line with the XXXX XXXX XXXX XXXX, which required creditors to report accounts as current if an accommodation was in place. 

XXXX XXXX failed to do so and has continued to report this account as delinquent and late even after the charge-off, which is both misleading and damaging to my credit. I've been disputing this now for over XXXX XXXX, I've recently contacted all three bureaus who has failed to fix the issues as well and it hasn't been resolved. My XXXX XXXX continuously drops every month due to these reporting and it is causing more hardship, as it is damaging to my credit. 

Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Furnishing inaccurate credit information FCRA 1681c Misreporting old or re-aged debt CARES XXXX XXXX XXXX Failure to properly report accommodation during XXXX FDCPA and FDUTPA ( Florida law ) Unfair and deceptive reporting and collection actions Despite my direct dispute and request for correction, XXXX XXXX has refused XXXX XXXX the repeated late payment notations. This ongoing negative reporting is inaccurate and harmful and violates both federal and state consumer protection laws.

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 2025-07-19 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: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX Card, regarding continued inaccurate reporting of a charged-off account as late each month, with a total balanced of {$4700.00} reporting every month, despite the account having been charged off and despite my documented XXXX financial hardship sent to them in XX/XX/year>. 

During the height of the pandemic, I suffered a loss of income and requested relief or accommodation in line with the XXXX XXXX XXXX XXXX, which required creditors to report accounts as current if an accommodation was in place. 

XXXX XXXX failed to do so and has continued to report this account as delinquent and late even after the charge-off, which is both misleading and damaging to my credit. I've been disputing this now for over XXXX XXXX I've recently contacted all three bureaus who has failed to fix the issues as well and it hasn't been resolved. My credit score continuously drops every month due to these reporting and it is causing more hardship, as it is damaging to my credit. 

Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) Furnishing inaccurate credit information FCRA 1681c Misreporting old or re-aged debt CARES XXXX XXXX XXXX Failure to properly report accommodation during XXXX FDCPA and FDUTPA ( Florida law ) Unfair and deceptive reporting and collection actions Despite my direct dispute and request for correction, XXXX XXXX has refused XXXX XXXX the repeated late payment notations. This ongoing negative reporting is inaccurate and harmful and violates both federal and state consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm unemployed, I start a be job on XX/XX/XXXX XXXX XXXX in the mean time I separated money to pay my credit card which I did a payment plan with them {$150.00} every month. The first 3 months were going to be auto pay and starting XX/XX/year> I need to do the payment myself ; which I did. I made my mortgage payment on XX/XX/year> with the last money I had. Before the mortgage company could deduct the payment they took another XXXX to denied the mortgage payment and they put THAT ILLEGAL DEDUCTION AS I NEVER CALL TO MAKE THE PAYMENT, BUT THE DON'T HAVE A RECORDING BECAUSE I NEVER CALL OR MAKE SUCH SECOND PAYMENT ; THEY ARE REFUSING TO PROVIDE ME SUCH PROOF ; OBSOLETE BECAUSE IT DOESN'T EXIST. NOW I'M WITHOUT PAYING MY HOUSE BECAUSE OF THEIR FRAUDULENT ACTIVITIES AND EVIL INTENTION. I'M THE NAME OF GOOD PLEASE HELP ME WELLS FARGO IS DESTROYING ME AND OTHERS 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 explanation
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL DEMAND FOR METHOD OF VERIFICATION FAILURE TO COMPLY WITH 15 U.S.C. 1681i To Whom It May Concern, This letter serves as a final and lawful demand under the Fair Credit Reporting Act ( FCRA ) requiring full method of verification regarding the continued reporting of the following accounts : XXXX Account # XXXX {$1500.00} Collection CB/VICSCRT Account # XXXX Charge-off {$0.00} You are currently reporting these accounts without providing factual documentation or lawful verification. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a reasonable investigation. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you must disclose the specific method of verification, including the name, department, and contact information of the party or individual you contacted. 

Let me be very clear : E-Oscar is not a valid or lawful method of verification. It is an automated system incapable of reviewing documentation, contracts, or detailed account history and does not meet the standard of a reasonable investigation under federal law. 
I am demanding the following within XXXX calendar days : The full name and contact information of the individual or department at XXXX and XXXX that you verified the information with ; Copies of the original documentation used to verify the accuracy of the reported accounts ; A detailed explanation of your verification process and how it qualifies as a reasonable investigation ; Confirmation that these accounts were not verified through E-Oscar or any other automated system. 
If you can not or will not provide this, you are required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to immediately delete these accounts from my credit report.

Failure to comply with this request constitutes : Violation of 15 U.S.C. 1681i Inadequate or nonexistent reinvestigation Violation of 15 U.S.C. 1681e ( b ) Failure to report with maximum accuracy Violation of 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance Violation of 15 U.S.C. 1692e ( 8 ) Reporting of information known to be false or unverifiable This is your XXXX XXXX. If these unverifiable items are not removed or verified with actual documentation and human verification, I will proceed to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit formal reports to the Federal Trade Commission ( FTC ) Notify the Illinois Attorney General XXXX XXXX XXXX legal action for statutory and actual damages I expect full compliance with federal law, not generic responses or shortcuts. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Charge-Off under FCRA ( 15 U.S.C. 1681i ) and FCBA ( 15 U.S.C. 1666 ) To Whom It May Concern in TransUnion Dispute Department I am formally disputing an inaccurate and potentially misleading item on my credit report, as provided to you under my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 
The account in question is listed as follows : XXXX XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Status : OPEN Payment Status : XXXX Date Charged Off : XX/XX/XXXX Creditor Remarks : Charged Off as a bad debt | Profit and Loss write-off Past Due Amount | Balance Owed : {$18000.00} I am disputing the accuracy of the reporting of this account, particularly the designations of Open " Charged Off '' " Past Due and Last Payment. These terms are factually inaccurate and do not reflect the correct status of the account. Such reporting misleads creditors and potential lenders and is a violation of your obligation to maintain complete and accurate information as required by FCRA 1681e ( b ).

To support my dispute, I am requesting that you conduct a full investigation under the FCRA and verify the accuracy of the information being reported. Specifically, I request the following : XXXX. A copy of the original signed contract or application bearing my signature ; XXXX. A full account payment history and accounting of the balance ; XXXX. Documentation showing XXXX XXXX still owns or legally services this debt ( or if it was transferred/sold, details of the chain of custody ) ; XXXX. The name and contact details of the furnisher who verified this information ; XXXX. Evidence that this charge-off has not been settled, satisfied, or otherwise closed through legal, financial, or securitization mechanisms ; XXXX. All documentation used to verify the account, as required under FCRA 611 ( 15 U.S.C. 1681i ) ; 14. Confirmation that this information is being reported in full compliance with the FCRA, and that it does not misrepresent the current legal or financial status of the account.

Until the results of this investigation are complete, please mark this account as in dispute on my credit report, in compliance with FCRA 1681c ( f ). If the requested documentation is not provided within 30 days, or if you can not substantiate the validity of this information, I request the immediate removal of this account from my credit file.

Please respond to my dispute at the address above. A failure to respond adequately may result in legal action under the FCRA and other applicable consumer protection statutes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the inaccurate and unverifiable accounts that remain on my file despite.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the inaccurate and unverifiable accounts that remain on my file despite.

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 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I requested to make XXXX one-time payment to consolidate cuz the interest fees are too high over 400 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand for Immediate Deletion Multiple Unverified Accounts Being Reported To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate deletion of the following unverified and unlawfully reported accounts from all credit reporting agencies XXXX XXXX XXXX Account # XXXX {$970.00} Collection XXXX XXXX Account # XXXX {$760.00} Collection XXXX XXXX XXXX Account # XXXX {$760.00} Collection XXXX XXXX XXXX Account # XXXX {$970.00} Collection These accounts are being reported without proper legal validation. A final bill, internal statement, or unverified data file is NOT lawful validation under federal consumer protection laws. 

Under 15 U.S.C. 1692g, I am demanding that you immediately provide the following : A copy of the original signed contract ( wet signature required ) A complete billing history of each account A flow sheet showing the full chain of assignment from the original creditor to XXXX XXXX  A binding agreement or contract of sale showing your legal right to collect Proof of your licensing to collect debts in the State of Illinois Failure to provide these documents places you in violation of : 15 U.S.C. 1692g ( b ) Continuing collection efforts without validation 15 U.S.C. 1692e ( 8 ) Reporting false or unverifiable information to the credit bureaus 15 U.S.C. 1681i ( a ) Failing to conduct a lawful reinvestigation 15 U.S.C. 1692f Using unfair and deceptive collection practices You are granted XXXX calendar days from the date above to : Delete all XXXX accounts from XXXX XXXX XXXX XXXX Provide all required documentation, including the flow sheet and binding agreement Cease all reporting and collection activities If you fail to comply, I will take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report your violations to the Federal Trade Commission ( FTC ) Notify the Illinois Attorney Generals Office Pursue civil litigation for damages and legal remedies under the FDCPA and FCRA This is your FINAL WARNING. If you can not validate these accounts according to law, they must be deleted immediately. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to formally dispute the accuracy and legality of the information being reported on my credit report regarding my student loan account ( s ). Specifically, this pertains to recent discrepancies, reporting errors, and potential legal violations associated with the management of my loans.

Upon review of my credit report, I noticed that my student loans were closed and reopened under different collection agencies without proper notification, and they have been reported with multiple late payments and derogatory statuses that are inconsistent with my actual payment history and circumstances. Furthermore, this account is still negatively impacting my credit score despite numerous disputes and inquiries.

It has come to my attention that there have been recent federal violations and irregularities involving the handling of student loan dataincluding third-party mismanagement and privacy breaches. XXXX XXXX recent involvement and violations with private data, including those tied to financial and government platforms, are deeply concerning and may be linked to the errors seen on my student loan accounts. 

Additionally, my account was affected by the XXXX emergency period, during which payments and interest should have been paused under the CARES Act. Despite this protection, the loan servicers continued to report missed or late payments and proceeded with unlawful collections activity. This is in direct violation of federal guidelines.

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 2025-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to formally dispute the accuracy and legality of the information being reported on my credit report regarding my student loan account ( s ). Specifically, this pertains to recent discrepancies, reporting errors, and potential legal violations associated with the management of my loans. 

Upon review of my credit report, I noticed that my student loans were closed and reopened under different collection agencies without proper notification, and they have been reported with multiple late payments and derogatory statuses that are inconsistent with my actual payment history and circumstances. Furthermore, this account is still negatively impacting my credit score despite numerous disputes and inquiries. 

It has come to my attention that there have been recent federal violations and irregularities involving the handling of student loan dataincluding third-party mismanagement and privacy breaches. XXXX XXXX recent involvement and violations with private data, including those tied to financial and government platforms, are deeply concerning and may be linked to the errors seen on my student loan accounts. 

Additionally, my account was affected by the XXXX emergency period, during which payments and interest should have been paused under the CARES Act. Despite this protection, the loan servicers continued to report missed or late payments and proceeded with unlawful collections activity. This is in direct violation of federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
My debt was charged off and sold for XXXX XXXX the amount they say I owe is wrong. 
The XXXX phone bills were not mine either and they wont remove from credit even though that debt was sold to collections I never signed anything And my student loans are paid. I there is no record of me owing when I cal dept of education

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