vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered that Rozlin Financial Group has placed an account in my name. I have no knowledge of this alleged debt, and I am formally disputing it. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Until you provide complete and verifiable documentation, you must immediately cease all collection activity and reporting of this account to any consumer reporting agency.

Specifically, I am requesting the following : The name, address, and contact information of the original creditor The date and nature of the alleged debt A complete account history, including how the alleged amount was calculated ( principal, interest, fees, and payments ) A copy of any signed agreement or contract bearing my signature that proves my liability for this debt Proof that Rozlin Financial Group has the legal right and authorization to collect this alleged debt Documentation showing that this account was legally transferred or assigned to your company Be advised : Reporting unverifiable information to XXXX, XXXX, and XXXX  is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). If you can not validate this account, you must immediately remove it from all credit bureaus and cease all collection activity. 

If you fail to respond within 30 days of receipt of this notice with proper validation, I will consider the matter closed, and I will pursue all available legal remedies, including : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney General Demanding deletion of this account from all credit reporting agencies Seeking damages for any continued violation of the FDCPA and 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including incorrect names, addresses, and employment entries, as well as unauthorized hard inquiries and inaccurate collection accounts. On XX/XX/year>, I sent dispute letters with supporting documents ( ID, utility bill, pay stub ) to the credit reporting agencies requesting corrections. The agencies have not resolved the issues, and the incorrect information remains on my reports. I am seeking immediate correction or removal of all inaccurate, unverifiable, or unauthorized entries.

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 2025-08-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Final Demand Correction of Inaccurate Credit Reporting File Identification Number : XXXX Account : XXXX XXXX XXXX ( Acct. No. XXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern, I am writing to formally demand immediate correction of inaccurate reporting on my TransUnion credit file in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, your investigation results continued to show the following contradictory and misleading reporting on the above account : Account Type : Open Pay Status : Paid, Closed This is factually inaccurate. An account can not be both open and closed. Such inconsistent reporting materially damages my creditworthiness. 
I have attached written confirmation from XXXX XXXX XXXX ( dated XX/XX/XXXX ) stating that mXXXX XXXX XXXX XXXX  account was closed on XX/XX/XXXX, at my request and has not been reopened. This directly proves that your reporting of the account as open is false.

Your failure to correct this after my initial dispute violates FCRA 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation and correct or delete inaccurate information.

I demand that TransUnion immediately : 1. Correct the account to reflect Closed in all fields ; OR 2. Permanently delete the account from my credit file if you can not accurately verify it with XXXX. 
Additionally, under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I request : The method of verification used, The name and contact information of the person/department at XXXX who verified the account, A corrected copy of my credit report. 
If TransUnion fails to correct or delete this inaccurate reporting within 15 days of receipt of this letter, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), File a complaint with my State Attorney General, and Pursue all available legal remedies under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and costs.

Please consider this my final written notice before escalation. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of TransUnions Dispute Results ( XX/XX/XXXX XXXX XXXX XXXX Confirmation Letter XXXX XX/XX/XXXX ) Copy of prior dispute letter ( XX/XX/XXXX ) Proof of ID and address

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 2025-08-16 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: FL

Complaint narrative:
i've recently checked my credit report and noticed some inaccurate accounts reporting it,

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 2025-08-16 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: FL

Complaint narrative:
i've recently checked my credit report and noticed some inaccurate accounts reporting it,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XXXX XXXX I Opened a chime account through a chime advertisement, in which it stated " deposit $ XXXX And Receive {$250.00} and spend money using the chime credit/debit XXXX Purchases and receive an additional {$100.00}, After 30 Days. 

I called in to speak to their Customer Care department on XX/XX/year> and was promised by multiple agent and a few supervisors that i would receive it no later than XXXX XXXX. 

As of XXXX XXXX and another couple of calls and once again being told i would receive the bonus, i get an email saying they're not honoring it/ it wont be applied due to a glitch of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-16 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 respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX XXXX2025 XXXX XXXX2025 Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-16 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: SC

Complaint narrative:
I was charged $ XXXX dollars from XXXX XXXX it was reported on my credit report as a ongoing balance from an overdraft when I reached out to XXXX  customer service twice at 2 different times both representatives told me it was incorrect information I dont have an overdraft balance and its impossible since my overdraft limit only reached a certain amount it never got fixed so I closed my account

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for withdrawing {$800.00} from my bank account on XX/XX/year>, before I could make my scheduled payment. I had a clear arrangement with XXXX to pay that day after receiving my paycheck. 

When I contacted them for a breakdown and resolution, I was hung up on, and they refused to provide assistance. My bank stated the withdrawal was technically authorized because I gave XXXX my account information when I started the loan. However, XXXX actions violated the agreed-upon payment arrangement and constitute unfair or deceptive practices. 

I am requesting an investigation and assistance in recovering the improperly withdrawn funds. I have supporting documentation including bank statements and notes from my communications with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
my accounts were closed. I was just told something about a check that was all. They said they dont know, but I will receive a letter with the reason why my accounts were closed. I have not received that letter. Ive been calling once a week trying to get more information and they keep telling me that theres nothing they could do. They dont know anything and Ive been patient but its been almost 3 months and I have money in there that I need because that was all my money and they just closed it and its just sitting there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX  and XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Debt Reporting / Violation of Privacy To Whom It May Concern, I am filing a complaint against WELLS FARGO CARD SERVICES account ending in XXXX concerning the inaccurate reporting of a debt of {$820.00} on my credit file. This reporting is unverifiable and violates my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

The creditor has not provided documentation proving their right to disclose or compile this information. The continued reporting is unauthorized and is negatively impacting my creditworthiness. 

I am requesting that the CFPB require the creditor to cease and desist from reporting this debt and remove the entry from all consumer credit bureaus ( XXXX XXXX XXXX XXXX ). 

Thank you for your prompt attention. 

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 2025-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Issue : Multiple erroneous charges from XXXX with no reservation confirmed Details : On XX/XX/XXXX and XX/XX/year>, I attempted several times to make a prepaid car rental reservation through XXXX ( owned by XXXX ). The website repeatedly failed, giving error messages such as There was an error. Please try again and Insufficient funds on your credit card.

Despite never receiving a reservation confirmation, five charges totaling {$820.00} appeared on my Capital One XXXX XXXX credit card account ( XXXX at {$160.00} each, XXXX at {$160.00} each ). These are categorized as purchases, not authorizations. All of these charges are classified as Pending on my credit card account. 

I contacted both XXXX XXXX XXXX XXXX and XXXX XXXX. Both confirmed that no reservations exist under my name and refused to provide a release of the charges or escalate further. I then contacted Capital One, who stated they can not open a dispute until the charges post, leaving me with nearly {$830.00} of unavailable credit.

Consumer Impact : I have no confirmed reservation and received no services. 

My available credit is significantly tied up, creating an undue financial burden. 

Neither XXXX nor Capital One is taking responsibility, leaving me stuck in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: CA

Complaint narrative:
I graduated from XXXX XXXX XXXX XXXXXXXX in XXXX. I was paying a loan directly to the institution, and had paid off the balance in full ; to my knowledge, as they didn't say I was owing anymore debt. The only other debt for this degree was personal loans I made through XXXX. 

At NO time throughout the 3-4 year degree program was I made aware I was receiving federal monies that required repayment ; only heard of monies that were considered " grant '' money that didn't require repayment. 

Then in XXXXXXXX XXXX XXXXXXXX I receive repayment demands for student loans, where the institution they were paid to was not identified on the correspondence. The debt totaled more than {$30000.00} and payments were expected to begin XX/XX/XXXX. At first when I attempted to call the toll free number, the automated system didn't allow for me to speak to a live person.

Now, they are reporting me as delinquent to 3 credit bureaus ; which has negatively impacted my score from XXXX down to below XXXX and plummeting. How can I be out of school for 10 years and NOT have this debt show up anywhere for me to acknowledge it and be given a fair opportunity to be responsible. Why would I risk my hard earned credit score ; showing NO delinquency or late payments for 20 years?

I called XXXX XXXX XXXX XXXXXXXX a few months back, and the person stated that I wouldn't signed papers for this federal funds. She wouldn't provide copies for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: IL

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 2025-08-16 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: IL

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 2025-08-16 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: OH

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with non-monetary relief