vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I formally dispute the following inaccurate account appearing on my XXXX  and XXXX  credit reports due to multiple violations of federal consumer protection laws : 1. DEBT OWNERSHIP CONFUSION ( FDCPA 809 ) XXXX XXXX XXXX reports ownership while Halstead Financial Services attempts collection Neither entity provided complete chain of title from original creditor Violates FDCPA requirement for clear debt validation 2. INCONSISTENT REPORTING ( FCRA 607 ) XXXX  shows status as " Open '' while XXXX  reports " Closed '' Original creditor falsely listed as XXXX ( a debt buyer ) XXXX compliance violations regarding account type coding 3. FAILURE TO INVESTIGATE ( FCRA 611 ) Multiple " disputed by consumer '' remarks remain unresolved Credit bureaus failed to conduct proper reinvestigation DEMAND FOR REMEDIAL ACTION : Delete all inaccurate reporting within 15 days Cease all collection activities immediately Provide : - Complete chain of title - Proof of legal collection rights - MA collector license verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
Debt Validation Request LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : LVNV Funding LLC c/o Resurgent Capital Services L.P . 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request under FDCPA and FCRA Account Ending in XXXX Dear LVNV Funding LLC, This letter is a formal request for validation of an alleged debt you have reported to the credit bureaus under the account number ending in XXXX, with a reported balance of {$780.00}, allegedly opened on XX/XX/XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this debt, including : - A copy of the original signed contract or agreement - A complete payment history - Documentation showing legal ownership and transfer of the debt - Evidence of your legal right to collect this debt and report it Until such documentation is provided, I am requesting that you cease all collection efforts and remove this account from any credit reporting agencies to which it has been furnished. Reporting unverifiable or inaccurate information is a violation of federal law. 
Please consider this a formal dispute under the FCRA and FDCPA. Attached are copies of my identification for verification purposes. I expect your response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX/XXXX  XX/XX/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 2025-08-02 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:
AFTER REVIEWING MY CREDIT REPORT MY INFORMATION HAVE BEEN COMPROMISED. THIS GOES AGAINST THE 15 USC 1681 LAW. THIS IS NOT FAIR BECAUSE I WAS TRYING TO BUY A HOME AND THESE FRAUDULENT ACCOUNTS ARE PRECVENTING ME. PER THE FCRA MY INFORMATION SHOULD BE PROTECTED AND NOT NEGLECTED. PLEASE HELP ME WITH THIS MATTER

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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WHILE THE COMPANY WELLS FARGO AUTO CHARGED OFF MY AUTOLOAN ON THE VEHICLE I PURCHASE BACK IN XXXX  XXXX XXXX AND THEY NEVER SENT ME THE 1099C FORM. AND IT BEING REPORT ON ALL THREE REPORT AS. CHARGE OFF. I AM REQUESTING A 1099C FOR ACCOUNT # XXXX ORIGINAL CHARGE OFF FOR XXXX AUTOMOBILE

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Under the FDCPA Notice to Cease Collection Until Proper Validation is Provided Dear FIRST CEDIT SERVICES, This letter is in response to your recent communication regarding an alleged debt that you claim I owe. I am requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I formally dispute the validity of this debt, and I am requesting the following information to be provided in full before any further collection activity continues : XXXX. A complete itemized accounting of the alleged debt, including original amount, interest, fees, and any payments made. 
XXXX. The name and address of the original creditor, as well as the name of the original account holder. 
XXXX. A copy of the original signed contract or agreement that legally obligates me to this debt. 
XXXX. The full chain of assignment, including : o A copy of the assignment or sale agreement transferring the debt from the original creditor to any intermediary debt buyers, and eventually to your agency. 
o Dates of each assignment and the entities involved. 
XXXX. Proof that your agency has the legal right to collect this debt, including a copy of your collection agency license ( if required by law in my state ). 
Until all of the above information is provided, I request that you immediately cease all collection activities, including reporting this alleged debt to any credit reporting agency, or pursuing legal action. 
Please note, if you are unable to provide a complete and unbroken chain of assignment, this will serve as further confirmation that you do not have the legal right to collect this debt. 
This is not a refusal to pay, but a request that you validate your claim in accordance with federal law. 
I expect your response within 30 days of receiving this letter. Please direct all future communications regarding this matter to me in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
I am filing a complaint against American Coradius XXXX  or their official name American Coradius International LLC for reporting a collection account to the credit bureaus without ever sending me a debt validation notice and not even getting XXXX  days from receiving that notice to request validation of the debt, as required by the FDCPA ( 15 USC XXXXg ). I literally check my mail every single day and have never received any communication from them regarding this debt. I do not recognize the debt, nor do I owe it, and I was never given a chance to dispute or request validation before they reported it. This is a clear violation of my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the immediate deletion of this account from all consumer credit reports, XXXX XXXX XXXX XXXX, and any other credit reporting agencies that they have used. Also, a full investigation into their practices. Please hold this company accountable for reporting unverified debt without proper notice or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting an account on my credit report that contains material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). The areas of inaccuracy 's are highlighted on credit report. 

Specifically : 1. The account is listed as " charged off '' yet still reflects a past due balance of {$840.00}.

Under Metro 2 reporting standards and the FCRA, once an account is charged off, the past due field should reflect {$0.00}, as the creditor has already written the debt off.

2. The account shows conflicting information across bureaus, such as : Different " Date Opened '' entries ( XX/XX/year> vs. XX/XX/year> ) High credit listed as {$0.00} on some reports, which is clearly inaccurate given a {$300.00} limit and {$840.00} balance. 



XXXX. The payment history and reporting dates are also inconsistent, further demonstrating the account is not being reported accurately, completely, or verifiably. 



Despite my attempts to dispute this through the credit bureaus, the inaccurate reporting remains.

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 2025-08-02 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: TX

Complaint narrative:
I filed a chargeback request with Wells Fargo in regards to a VRBO stay I had. The XXXX rental was misrepresented in every way from the actual furniture being all different including completely different bed sizes from the listing. It was also a health hazard due to undisclosed non potable water being the only water source. We tried to cancel repeatedly. We contacted XXXX and did everything they asked of us. We reached out to the host and XXXX did too. He never responded back. XXXX  apologized and put a negative mark on his account and suggested we do a bank chargeback to get our money back. We did that and provided Wells Fargo all our evidence, they kept claiming to not receive it. We sent it multiple times and talked to them on the phone about it multiple times. They denied the chargeback anyway and when we requested an appeal they told us we had no right to appeal

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 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Second Dispute Failure to Remove Inaccurate 30-Day Late Payment Account Name : Lead Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original CFPB Complaint ID : XXXX To Whom It May Concern, I am writing to formally request a second reinvestigation of the inaccurate XXXX late payment being reported on my Equifax credit report for the above-referenced account with XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX, challenging the accuracy of a 30-day late payment allegedly reported for XX/XX/XXXX. In that complaint, I provided documentation and evidence to support my position that this derogatory mark is inaccurate. 

Equifaxs investigation response indicated that certain updates were made to the accountsuch as changes to the closed date, scheduled payment, and historical databut the late payment for XX/XX/XXXX remains, despite a lack of supporting evidence from the furnisher. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681i, I am requesting : 1. A reinvestigation specifically focused on the alleged 30-day delinquency in XX/XX/XXXX. 
XXXX. Full documentation from XXXX XXXX  that validates this late payment, including original payment records for that period. 
XXXX. If the furnisher can not verify the late payment with documented evidence, the delinquency must be removed from my credit file in compliance with federal law. 

Equifax is legally obligated to ensure that all credit reporting is accurate, complete, and verifiable. Since the current reporting remains disputed and unverified, I urge you to take prompt corrective action. 

Please send me a written response confirming the outcome of this reinvestigation, along with an updated copy of my Equifax credit report reflecting any changes made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am writing to formally report suspicious and potentially unlawful activity regarding the manipulation of my credit score, especially in connection with my attempts to apply for a mortgage loan. 

Despite consistently monitoring and managing my credit, I have observed the following alarming pattern : My credit score experiences a temporary rise shortly before I initiate a mortgage loan application. 

Within XXXX hours after the inquiry or submission of application documents, my score inexplicably dropsdespite no new negative entries, high utilization, or delinquent activity. 

These score fluctuations often occur even when disputed accounts are being addressed or when there is no legitimate reporting change. 

The timing of these changes directly impacts my loan eligibility and appears retaliatory or algorithmically triggered. 

I believe this constitutes potential credit fraud, consumer rights violations, and possibly FCRA noncompliance, especially if financial institutions or data furnishers are deliberately interfering with my access to housing or fair credit evaluation. 

I am a XXXX XXXX XXXX and a single parent actively seeking homeownership for stability. These targeting patterns are not only financially damaging but emotionally distressing. I request a full investigation into : The source ( s ) of these score fluctuations Whether any financial institutions, credit bureaus, or third parties are responsible for deliberate manipulation Any violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), or the Dodd-Frank Act I am attaching supporting documents including : Credit score logs and screenshots Mortgage application timelines Dispute history with Experian, Equifax, and TransUnion Any relevant creditor or collection agency communications I respectfully request that your agencies intervene, investigate, and provide written findings or next steps. I am open to speaking with an agent or case investigator to explain these issues in more detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NV

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-02 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: NJ

Complaint narrative:
I have asked for all inquiries to be removed does not associated with our account. I did not give written permission for anybody to access my consumer credit report, and that it gives the law for someone to access my credit report without my written permission.

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 2025-08-02 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: NC

Complaint narrative:
I disputed this account because it shows a charge-off date in XXXX, but continues to report charge-off activity and updates into XXXX. This is a form of re-aging, which violates FCRA 605 ( a ). The account should only be reported for XXXX years from the original delinquency date. 

Additionally, the account shows a past due balance even though it is charged off, which violates XXXX XXXX formatting standards and FCRA 607 ( b ). I requested validation, including the original contract, itemized billing, and evidence of permissible purpose, but the company failed to provide this. 

The information being reported is incomplete, inaccurate, and misleading. I am requesting the removal of this account from my credit report.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PingYo, Inc.
State: MI

Complaint narrative:
On Saturday XX/XX/year> I applied for a quick load from XXXX which approved my application and redirected me to XXXX XXXX under the guise my loan would be finalized after a credit check. It was instead a scam to sign up for Credit Review services to be billed monthly to my account. I didn't get that information until after I entered my account. The site provides a cancel option to the program that does not work. I need them to stop any taking of my funds. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NV

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, XXXX, and XXXX  breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I had a charge on my affirm virtual card for {$4700.00}. This charge was not authorized by me and I contacted them and they said they can not stop the pre authorization since they have already paid the company where the purchase was made. They contacted me on XX/XX/year> and stated that they saw another charge on my card for XXXX and they were locking my card. Evidently they didnt since someone was able to charge on it on the same day. I googled the company name and no one answered. I really dont know what to do since I am not going to pay for a huge charge I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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