vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Compliance Department

Resurgent Capital Services, XXXX XXXX XXXX XXXX SC XXXX Re : Alleged Account LVNV Funding LLC / Resurgent Capital Services Dear Compliance Department, This letter is in response to your correspondence dated XX/XX/year>, regarding the above-referenced account. I have carefully reviewed your response and the documents you provided, which you claim constitute verification of the alleged debt. 
Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681i & 1681s-2 ( FCRA ), I dispute your claim. The documents you supplied are insufficient and do not meet the legal standard of validation. Specifically : - You have not provided a wet-ink signed contract or agreement showing that I ever entered into a binding obligation with the original creditor. 
- You have not provided original billing statements, itemized charges, or accounting records establishing the validity and ownership of this alleged debt. 
- What you have furnished amounts only to a generic summary, which does not constitute legal validation. 
As such, your continued reporting of this alleged account to the credit bureaus, without proper proof, is a direct violation of FCRA 602 ( a ), 609 ( a ) ( 1 ), and FDCPA 809 ( b ).

Accordingly, I demand the following : 1. Immediate cessation of all collection activity until full and proper validation is provided.

2. Removal of the disputed account from all credit bureaus if you can not furnish the required documentation.

3. Confirmation in writing that you have complied with this request.

If you continue to report this unverified account, you will be in violation of federal consumer protection laws, and I will not hesitate to pursue remedies through the CFPB, FTC, State Attorney General, and private legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Bridgecrest Credit Company - Account Number ( masked ) : XXXX - Status Reported : Auto loan, charged-off, repossession This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be confirmed as accurate, I ask that they be removed.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to formally address the presence of unauthorized inquiries on my credit report, which have negatively impacted my credit score and overall financial standing. Despite my previous communication with your agency and assurances from your representative that these inquiries would be removed, they remain unresolved. This failure to take appropriate action is unacceptable.

The continued presence of these entries raises serious concerns about potential identity theft and further exacerbates the financial and emotional distress I am experiencing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and these unauthorized inquiries violate that right.

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 2025-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : ED Financial Services XXXX Account Number ( masked ) : XXXX - Status Reported : 90-day late payment This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
I am filing this complaint regarding account, which continues to show late payments on my credit reports despite being inaccurate and unverifiable.

This account is reporting derogatory late payment history that is not supported by verifiable documentation.

I previously submitted disputes with the credit bureaus under FCRA 611 ( a ) [ 15 U.S.C. 1681i ], yet the bureaus failed to conduct a proper reinvestigation. They verified the account without providing proof, which violates FCRA 611 ( a ) ( 7 ) ( method of verification requirement ).

The account contains inconsistent reporting across bureaus, which violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring maximum possible accuracy.

The furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information they know or should know is inaccurate. Continuing to report these
lates without proper substantiation is unlawful.

Any late payments older than 7 years are prohibited from reporting under FCRA 605 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX at approximately XXXX I received an email from Wells Fargo stating that they completed a transaction through their Bill Pay service for {$9900.00} from my business account to XXXX XXXX XXXX XXXX XXXX I do not have an account with XXXX XXXX and never have, also I have never signed up or used Wells Fargo Bill Pay service. 
I immediately called Wells Fargo to find out what happened and they said they would look into it and that they have 20 days to do so. I called back on Monday XX/XX/XXXX and they said they referred the case to their small business resolution team and gave me their phone number. I called them on Tuesday XX/XX/XXXX and spoke to XXXX and she said they denied my claim because they said the transaction was completed from my XXXX address. I told them I had not performed the transaction as I had stated from the beginning so they referred the matter to their Executive department and XXXX said the case had already been previously denied and closed. I complained and they referred to a senior case specialist. on XX/XX/XXXX I called the senior case specialist XXXX and he said he would look into it. I called back on XX/XX/XXXX and they said XXXX, the senior case specialist will call me on monday XX/XX/XXXX. XXXX called and said there was nothing they could do and that the case was denied and closed as they had said before. They also continued to refer me to XXXX XXXX although I told them continuously that I did not have an account there. I called XXXX XXXX a couple of times and visited their branch and they said they could not give me any information because I do not have an account there. I also visited a Wells Fargo branch and they initiated a complaint. Nothing has come of any of this, I have spent about 20 hours of my time trying to get information and Wells Fargo will not help me retrieve my {$9900.00}!!!!! 
I have also filed a police report. And I have called WF numerous more times than I have listed to no avail. Also on Thursday XX/XX/XXXX someone attempted to do another transaction on my account even though I had changed my password, so I inactivated my online banking, this whole issue is either a WF employee or a scam/hacker or both, there are testimonials all over the internet stating this same problem.

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 2025-09-23 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I am submitting this complaint because XXXXEquifax has failed to provide a proper reinvestigation of an unspecified credit account that is inaccurately reported on my credit report. I previously disputed the information in accordance with the Fair Credit Reporting Act ( FCRA ) and requested verification of the account. 

Despite my formal dispute, the credit bureau did not supply adequate documentation proving the accuracy and ownership of the alleged account, nor did it clearly identify the creditor or furnish supporting evidence. The report continues to show information that is either incomplete, unverifiable, or inaccurate. 

This failure to properly reinvestigate and provide a detailed response violates FCRA Section 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation and to delete or correct inaccurate or unverifiable information. 

I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TN

Complaint narrative:
Hello, my name is XXXX XXXX, and I have been a loyal Discover cardholder for many years. I have always been a responsible customermaking on-time payments, paying off my balance in full multiple times, and continuing to use my card again and again with trust in Discover. 

That trust, however, has been shaken. Recently, I filed a dispute regarding a purchase from XXXX XXXX XXXX, and I am deeply disappointed with how Discover handled the matter. I rarely, if ever, file disputes. Yet when I finally didproviding proof of dead and diseased plantsI was shocked that my claim was denied. 

Here is what happened : My initial order arrived poorly packed, with roots exposed and broken branches. I contacted the company, sent pictures as required, and they sent a replacement. The replacement, however, arrived in the same condition. 

The company advertises a one-year guarantee, yet your representative stated they only honor one replacement. Does that mean a company is allowed to repeatedly send defective products and still be protected? 

I waited over a month for the second half of my order, which was supposedly in stock. When the lavender plants finally arrived, all were suffering from root rot. They have since completely died. 

When I contacted the company again with photos, I was told to wait a few more weeks before reaching out again. Only after I mentioned contacting Discover did they suggest filling out a guarantee claim form for review, instead of simply honoring their guarantee. Each time I reached out, I had to repeat the process and resend pictures to a different representative. 

This has been a frustrating and exhausting process. What makes it worse is that Discoverwhom I trusted to stand behind mehas instead sided with a vendor engaging in questionable practices. XXXX XXXX, for example, has a reputation for protecting its customers in situations like this, and I expected Discover to do the same. 

Because of this experience, once I pay off my current balance, I intend to close my account. I can not continue using a credit card company that does not stand by its customers when it matters most. 

XXXX XXXX XXXX has proven to be unreliable, and the thousands of hidden complaints Ive since found from other customers only confirm that. It is disheartening that Discover would allow such a company to take advantage of its customers without support. 

I sincerely hope Discover takes this matter seriously and renews its commitment to protecting cardholders when they need it most. 



Warmest Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation