vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
Ok, on XX/XX/year>, I called the collection agency in an attempt to resolve this collection matter. XXXX, the agent that I spoke with, was very rude and appeared to attempt to intimidate me. When I asked XXXX for the address of the dispute department, XXXX gave me a false address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to buy some furniture at Rooms to Go. When took took out more that the amount I agreed to, I immediately demanded my money back. There was a Welks Fargo across the street so I went spoke to customer svc who gave me the correct t dept. I filed a complaint. 
Wells Fargo temp gave me XXXX while investigation was underway. 
The hm office kept saying they were working with Wells Fargo. 

End result : Well Fargo closed investigation. Took back their XXXX ( first of month ) and said you were sent letters regarding this matter. ASKED TO SEE THE COOT SENT TO ME AND ALL INFORMATION BETWEEN THEM AND CORPORATE OFFICE. LETTERS WERE NEVER SENT!!! 
ALL MY BILL STARTED TO BOUNCE. 
ASKED FOR FINANCIAL REIMBURSEMENT TO STOP MY BILLS FROM BOUNCING AND THEY SAID NO!! 

Have seen discrepancies in my acct before, but let it go due to the time lapse. 
Now weekly XXXX my acct. 
Will be leaving Wells Fargo once I go back to work ( XXXX XXXX ) Sincerely, 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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I didnt authorize the company to attack my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Its been taking care of.And Still showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NY

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: NY

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-17 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: NY

Complaint narrative:
On XX/XX/year>2025, TransUnion unlawfully reinserted an XXXX tradeline showing a balance of {$3600.00} after it had already been corrected to {$0.00} on XX/XX/scrub> 2025.

I had previously disputed this account multiple times and provided evidence that it is not
legally collectible : On XXXX XXXX, 2025, XXXX ( XXXX ) confirmed in writing that they are no longer attempting to collect on my XXXX XXXX account ending in XXXX. 
On XX/XX/year>2025, XXXX XXXX XXXX confirmed they ceased all collection activity and returned the account to XXXX on XX/XX/year>2025. 
On XX/XX/year>2025, TransUnions own update showed the balance decreased to {$0.00}. 
Despite this, on XX/XX/year>2025, TransUnion re-reported the balance of {$3600.00} and added a remark code.

This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which prohibits a consumer reporting agency from reinserting previously deleted or corrected information unless : 1. The furnisher provides written certification of accuracy, and 2. The consumer is notified within 5 business days.

TransUnion failed to provide either. 

I am requesting that the CFPB require TransUnion to : 1. Permanently delete this XXXX tradeline, 2. Provide written confirmation of deletion, and 3. Cease all unlawful reinsertions of this account.

This inaccurate reinsertion is causing significant harm to my creditworthiness.

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 2025-08-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
The XXXX accounts in collections do not belong to me. XXXX was opened before I was XXXX and the other was result of a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: OH

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate and remove unauthorized credit inquiries from my consumer file. 

The following companies have hard inquiries reporting without my authorization or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never authorized these companies to access my credit report, nor did they have a permissible purpose as defined under FCRA 1681b. I faxed TransUnion a written dispute letter demanding removal pursuant to FCRA 611 [ 15 U.S.C. 1681i ], but TransUnion has failed to delete these unauthorized inquiries within the required timeframe.

These inquiries are damaging my credit score and represent impermissible access to my private consumer report. 

I am requesting that the CFPB compel TransUnion to : XXXX. Permanently delete all unauthorized inquiries listed above. 
XXXX. Provide written confirmation of deletion. 
XXXX. Ensure future compliance with the FCRA Desired Resolution : Immediate deletion of the unauthorized inquiries listed above. 
Written confirmation from TransUnion within XXXX business days

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 2025-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Unauthorized Hard Inquiries Immediate Removal Requested Dear CFPB Representative, I am filing a formal complaint against Capital One Auto Finance regarding repeated unauthorized hard credit inquiries. On my credit report, Capital One Auto Finance placed hard inquiries on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not apply for credit, sign any contract, or authorize these inquiries. 

I previously disputed these inquiries directly with the credit bureaus and Capital One Auto Finance. Despite my disputes, I was told the inquiries were verified and accurate. However, no proof of authorization has ever been provided in response to my requests. This matter has been ongoing for over a year, and Capital One Auto Finance has failed to demonstrate a permissible purpose for accessing my credit file. 

Under the Fair Credit Reporting Act ( FCRA, Section 604 ), a creditor must have both a permissible purpose and consumer consent before obtaining a credit report. Without documented authorization, these inquiries are unlawful. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt collectors to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by multiple debt collectors and debt buyers who are inaccurately and unlawfully reporting accounts on my credit reports.

Despite sending formal disputes and debt validation requests, these entities have continued to : Report unverifiable debts, Fail to provide validation documentation, Ignore cease-and-desist notices, and Continue collection activity in violation of federal law. 

II. Disputed Debt Collector Accounts The following accounts continue to appear on my XXXX, XXXX, and XXXX  reports : XXXX XXXX XXXX Debt Buyer Account, Balance : {$2300.00} Status : Collection account, opened XX/XX/year> XXXX XXXX XXXX ( multiple accounts ) Acct XXXX XXXX Balance : {$1500.00} | Original Creditor : XXXX XXXX  Acct XXXX  XXXX Balance : {$1400.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1100.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1000.00} | Original Creditor : XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX ) Balance : {$740.00} Status : Collection account Monterey Financial / Monterey Collection Services Balance : {$2500.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Balance : {$260.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX. Basis of Complaint 1. FCRA Violations ( 15 U.S.C. 1681e, 1681i ) Failure of furnishers and credit reporting agencies to maintain maximum accuracy.

Failure to conduct proper reinvestigations despite my disputes.

Failure to provide results and corrected reports within statutory timelines.

Continued reporting of accounts marked as Consumer disputes this account without resolving the inaccuracies.

2. FDCPA Violations ( 15 U.S.C. 1692g, 1692c, 1692e ) Failure to provide debt validation within 30 days of dispute.

Continued collection activity ( including credit reporting ) without validation.

Ignoring cease-and-desist requests.

Reporting and attempting to collect without producing a chain of title or proof of ownership of debt. 

Case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX establishes that debt buyers must prove continuous chain of assignment, which has not been provided here. 

3. Deceptive & Unfair Practices The continued reporting of unvalidated debts constitutes deceptive practices under the FTC Act ( 15 U.S.C. 45 ) and violates CFPB Regulation F ( validation notice and reporting requirements ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by multiple debt collectors and debt buyers who are inaccurately and unlawfully reporting accounts on my credit reports.

Despite sending formal disputes and debt validation requests, these entities have continued to : Report unverifiable debts, Fail to provide validation documentation, Ignore cease-and-desist notices, and Continue collection activity in violation of federal law. 

II. Disputed Debt Collector Accounts The following accounts continue to appear on my XXXX XXXX  and XXXX  reports : Portfolio Recovery Associates Debt Buyer Account, Balance : {$2300.00} Status : Collection account, opened XX/XX/year> XXXX XXXX XXXX ( multiple accounts ) Acct XXXX XXXXXXXX Balance : {$1500.00} | Original Creditor : XXXX XXXX  Acct XXXX XXXXXXXX Balance : {$1400.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1100.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1000.00} | Original Creditor : XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX ) Balance : {$740.00} Status : Collection account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Balance : {$260.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX. Basis of Complaint 1. FCRA Violations ( 15 U.S.C. 1681e, 1681i ) Failure of furnishers and credit reporting agencies to maintain maximum accuracy.

Failure to conduct proper reinvestigations despite my disputes.

Failure to provide results and corrected reports within statutory timelines.

Continued reporting of accounts marked as Consumer disputes this account without resolving the inaccuracies. 

2. FDCPA Violations ( 15 U.S.C. 1692g, 1692c, 1692e ) Failure to provide debt validation within 30 days of dispute.

Continued collection activity ( including credit reporting ) without validation.

Ignoring cease-and-desist requests.

Reporting and attempting to collect without producing a chain of title or proof of ownership of debt. 

Case law such as XXXX XXXX Portfolio Recovery Associates , LLC establishes that debt buyers must prove continuous chain of assignment, which has not been provided here.

3. Deceptive & Unfair Practices The continued reporting of unvalidated debts constitutes deceptive practices under the FTC Act ( 15 U.S.C. 45 ) and violates CFPB Regulation F ( validation notice and reporting requirements ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
I previously requested debt validation of the alledged debt from the debt collection agency and debt furnisher and I did not receive this information. I am exercising my right as a consumer. 
This correspondence is a formal continuation of my earlier dispute regarding the above-referenced account. I acknowledge receipt of your response, which do not satisfy the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and 15 U.S.C. 1692g ( b ) nor does it provide sufficient evidence of your legal ownership or authority to collect this debt.

I hereby reiterate my request for complete validation, specifically including : A full and unbroken chain of title demonstrating legal assignment or transfer of this account from the original creditor to your agency Legal documentation that identifies the debt with specificity in each assignment, not merely generic references to bulk portfolios Evidence of your current authority to collect this debt and report it to any consumer reporting agency Per FDCPA 1692g and 1692e, you are required to provide documentation that establishes your standing and the validity of the alleged debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and conduct proper investigations when a dispute is received. Failure to do so may constitute willful noncompliance.

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