vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Amount was {$660.00} and the other amount was {$2300.00}. I emailed them letting them know that they do not have a license to collect in Florida and that I know nothing of this debt and to please take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
About a year and some change ago I started having problems with my card. Every time I used the card it got locked. It seemed to be related to my phone number. When trying to login it would request my phone number on every login and not accept it. I would have to try several times, back out then try to login again until it would let me login. I have called the company countless times. Every time I try to call they transfer me to another department, say they will escalate but nothing ever gets done and I am having to fight again to login to the online site. My card has expired, I haven't gotten sent a new one and they won't allow me to request XXXX on the phone. Now it wanted my password to be changed, still do not have a credit card to allow the password change to go through and I can not make a payment since I receive E-statements I can't get to. I did try to reach out through XXXX XXXX  understanding that is who handles escalations but they have continuously told me they can't provide me a date for when someone will reach out to me and my credit card payment is late because I have no ability to make the payment given the situation that they have continued to put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental 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: CA

Complaint narrative:
Dear CFPB : My name is XXXX XXXX, and I am writing to bring to your attention that Columbia Debt/Genesis action to tell me over a recorded phone line that the collection activity they reported with the credit bureaus for the amount of {$3700.00} has been closed due to fraudulent activity, yet the company has failed to provide me with an official letter stating that the account has been closed and the collection activity record deleted from my credit report. 

Every time I call Genesis on a recorded line and speak with the company 's representatives they tell me how the collection amount of {$3700.00} has been closed, but they fail to send me an official letter stating that the account has been closed and the collection activity record deleted from my credit report. 

I am therefore reaching out to the Consumer Finance Protection Bureau to bear influence on Columbia Debt/Genesis to provide me with the letter stating that the collection activity and collection amount of {$3700.00} have been closed and action has been taken to delete the collection activity record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
I never gave them written consent to furnish my information or obtain my in information which is a violation of my rights pursuant to 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I am submitting this complaint to formally report serious concerns regarding the conduct of Ace Cash Express and the third-party collection agents working on their behalf. The actions taken by this company in connection with my account in XX/XX/2022 were abusive, intimidating, and in clear violation of federal law. 

Background and Timeline In XX/XX/2022, I was contacted by Ace Cash Express regarding an outstanding account. During these communications, Ace Cash Express representatives informed me that they were in the process of filing a lawsuit against me. This statement was presented in a way that suggested litigation was imminent and unavoidable. Feeling pressured by this threat of litigation, I entered into a settlement arrangement in order to resolve the matter. 

At the same time, however, a third-party collector acting on behalf of Ace Cash Express contacted my mother directly. During this improper communication, the collector stated that they were in the process of filing a claim against me in the county. Not only was this statement untrue at the time, but the act of disclosing alleged legal action against me to a family member was profoundly XXXX  and damaging. 

Violations of Federal Law The third-partys actions appear to constitute clear violations of the Fair Debt Collection Practices Act ( FDCPA ) : 1. Illegal Third-Party Disclosure Under 15 U.S.C. 1692c ( b ), a debt collector is prohibited from communicating with third parties, such as family members, regarding a consumers debt except for very limited purposes ( such as obtaining location information ). Disclosing alleged litigation or claims directly to my mother went far beyond permissible contact and represented a direct violation of this provision.

2. False or Misleading Representations By stating that they were in the process of filing a claim in county court, the third-party collector misrepresented the legal status of the debt, in violation of 15 U.S.C. 1692e. Debt collectors may not falsely imply that legal action is being taken or will be taken if that is not the case.

3. Harassment and Abuse Contacting a consumers parent to make intimidating statements about supposed litigation serves no legitimate purpose other than to embarrass and coerce. Such conduct falls within the type of harassment that the FDCPA was specifically enacted to prohibit. 

Harm and Impact This incident caused me significant XXXX, both personally and within my family. My mother was alarmed and confused by the statements made to her, and I was embarrassed that a private financial matter was disclosed in such a threatening manner. No consumer should have to endure this type of intimidation or unlawful disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXXXXXX 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed CFPB case # XXXX against Experian requesting the removal of outdated personal information ( names and addresses ). Experian responded that they rely on creditors/public records but did not provide verification or identify the furnishers. 

This response is legally insufficient under the Fair Credit Reporting Act ( FCRA ). Under 611 / 15 U.S.C. 1681i, Experian must conduct a reasonable reinvestigation and delete unverifiable or obsolete information. They must also provide the name, address, and telephone number of the furnisher ( s ) who allegedly verified the disputed information.

Experians refusal to delete old addresses and names creates a misleading and inaccurate credit profile, increases the risk of misidentification, and violates my consumer rights.

I request CFPB assistance to ensure Experian : Permanently deletes all outdated addresses and names not currently associated with me.

Provides written identification of the furnishers that allegedly verified each disputed personal identifier.

Issues a corrected credit report reflecting these changes.

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 2025-09-29 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: MI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got affected by a fraud/scam where someone called me impersonating a Wells Fargo employee on XX/XX/scrub> 2025 and they told me there was fraudulent activity on my account and they were going to open a new account for me and I needed to wire the money to that new account. This amount was {$8800.00}. They had me verify my identity with a 6 digit code sent to my phone that came from the same exact number Wells Fargo uses to send out OTP. I realized less than an hour later it was a scam and called Wells Fargo to file a claim. The wire was pending for 6-7 hours, going to another Wells Fargo account , and Wells Fargo did not do anything to stop it. They denied my claim three times and said that I authorized it with a OTP sent to my phone, but it was the same number Wells Fargo uses for OTP. I have spoken to the executive office at Wells Fargo and they have not helped me retrieve my money at all or taken any accountability. They said they recognize it is fraud/scam but can't do anything about it because I authorized it but I never would authorize sending almost {$9000.00} to anyone, I thought it was going to me and the OTP number was spoofed so no way of knowing.

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 2025-09-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX  - XXXX - Account not mine XXXXXXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/scrub>/2025 I called wells fargo home mortgage to pay my mortgage and XXXX refused to accept my payment and XXXX told me sheca n't talk to me because I hav3 an attorney and my case is in litigation. I asked her to check the account 's history because I have bern making payments she too refused I told her I Am Prose and this is forcing me to miss a payment.

She told me to write a letter telling them I no longer have an attorney. I have neber had an attorney. She hung up on me stating she can't discuss the loan with me according to the notes.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have my credit freeze in place on my account at all three credit bureaus. I was able to lift the freeze temporarily at XXXX  and XXXX  for seeking a cell phone line but TransUnion refused to allow online access to my account. Kept giving me errors, even after it allowed me to change my password and confirmed it. I called in to customer service and took 20-25 minutes before I could get to an agent. I was told that they cant unfreeze my credit report as their system did not generate security questions and wanted me to send in copies of my documentation such as SSN and drivers license. The agent did confirm that their website is having problems as do their apps and to wait for a few hours before trying again. The agent did confirm that my account was in good standing and access was not revoked. This is highly inconvenient for consumers as we dont have a choice but to use TransUnion services since many companies including cellular phone companies need all three credit bureaus reports unfreeze before they can process applications. TransUnion only offering mail in option to process unfreeze requires days if not weeks to process unfreeze.

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 2025-09-29 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-29 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: MO

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law.

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive mailed capital one and XXXX XXXX  validation letters and no response from XXXX and capital is reporting incorrect information on my credit report. I sent a validation letter on XX/XX/scrub>/2025 its Been over 30 days no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX FOR Date : XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
I never heard of or had any contact from Velocity Investments until they filed a suit and quickly tried to get a summary default judgment. 

Velocity did not provide any proof of any debt owed to them. 

Velocity acts outside the proper legal methods and seeks to scare people and steal summary judgments.

Company response to consumer: Closed with explanation