vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: LA

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 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I made a XXXX payment through Wells Fargo for services that were never rendered. 
I submitted a dispute with documentation showing that this was not a personal payment, but a payment for a service that the individual failed to provide. 

Wells Fargo closed my dispute without action, stating they can not recover the funds. 

This is not an appropriate reason to deny a claim. XXXX inability to reverse a transfer does not remove Wells Fargos obligation to investigate under Regulation E for fraud or misrepresentation.

I am requesting that Wells Fargo reopen the claim, review the evidence I provided, and determine whether the merchant failed to deliver the services that were paid for. 

I am seeking reimbursement of the transaction amount because the service was not delivered as agreed.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Johnson Mark LLC
State: HI

Complaint narrative:
I received a collection letter from Johnson Mark LLC claiming that I owe a debt allegedly purchased by synchrony bank The letter states an amount of XXXX and demands a response. 

I dispute this debt and do not recognize this account. I have not received any original documentation that proves this debt is valid, including : original creditor information, signed agreement, itemized statement, proof that XXXX legally owns this debt. 

I believe this collection attempt may contain inaccurate or incomplete information. I am requesting that CFPB review the actions of the collector and require the company to provide full validation of the debt or cease collection activity.

I am also concerned the letter may violate FDCPA requirements because the collector is attempting to collect without providing proper documentation.

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 2025-12-09 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: FL

Complaint narrative:
I respectfully request that TransUnion review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$2300.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following collection account appearing on my credit report. I request that it be investigated and corrected in accordance with the XXXX XXXX reporting guidelines under the Fair Credit Reporting Act ( FCRA ). 

Account Information : Account Name : Radius Global Solutions Account Number : XXXX I dispute this account as inaccurate / unverified. Please provide validation of this debt per the Fair Debt Collection Practices Act ( FDCPA ). If the account can not be verified, I request it be removed from my credit report immediately. 


I request that you investigate this account and update my credit report to reflect accurate information. Please send written confirmation of your findings to my address above. 

Thank you for your prompt attention to 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 2025-12-09 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding the unreasonable, inflexible, and deeply XXXX  treatment I have received from Sallie Mae. Over the past several months, I have spoken to multiple representatives on the phone, sometimes for long periods of time, trying to explain my financial situation and seek any form of temporary assistance. Each time, I have gone through my full budget with them. I have been transparent about my current income, all my expenses, and the fact that I have a monthly deficit in my debt-to-income ratio. I simply do not have the ability to make the minimum payment they are demanding at this time. 

Despite this, Sallie Mae has repeatedly told me that if I can not pay the minimum paymentover {$240.00} per monthby the end of the year, they will send my account to a third-party collections agency. They stated this could lead to me being sued. This threat has been repeated to me every time I call, even after I make it clear that I am not refusing to pay, I just genuinely can not afford it right now. 

I have asked for help, for options, for breathing room. I have specifically asked for a forbearance plan, a deferment plan, or any kind of temporary hardship program. They have denied me every time. They claim that the only thing they can offer me is an interest rate reduction to 2 %, but even with that, they expect me to pay the full past-due balance immediatelywhich is over a XXXX dollarsand continue making monthly payments I can not afford. This is not a solution to financial hardship. Its simply restating the problem and expecting a different outcome. 

Every representative I have spoken to gives me the exact same scripted lines : that I must pay my past-due balance, and that there are no other options. They show no concern for my situation, the current economy, the cost of living increases, or the reality that many borrowers are struggling right now. None of the employees Ive spoken with have shown empathy, provided alternatives, or made any effort to work with me. I am incredibly frustrated and emotionally exhausted from being told repeatedly that my only option is to pay money I literally do not have. 

I am trying to avoid default. I am trying to do the right thing. But Sallie Mae has refused to offer me even the most basic hardship assistance that many other lenders provide. Their unwillingness to work with borrowers who are genuinely struggling is not only unreasonable, it feels punitive. 

I am requesting the CFPBs help in requiring Sallie Mae to offer a realistic, temporary hardship programsuch as forbearance or defermentso that I can avoid having my account sent to collections and facing possible legal action. I just need time and a reasonable arrangement that reflects my actual financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On or around the date of my dispute submission, Resurgent/LVNV Funding continued to report two alleged accounts to the credit bureaus without providing any of the documentation required under the FDCPA or FCRA.

I requested full validation of the alleged debts, including : The original signed contract ( wet-ink signature ) Full chain of assignment proving ownership Itemized accounting from {$0.00} to present Proof of licensing to collect in Georgia Documentation showing the debt legally belongs to me Resurgent/LVNV refused to provide any of these items.

Instead, they responded with partial billing statements and vague assertions that they own the accounts and comply with licensing, without offering proof of either.

This is not validation under FDCPA 809 ( b ).

A billing statement does not prove ownership, liability, chain of title, or accuracy.

Their response was dismissive, evasive, and legally insufficient.

They continue reporting disputed, unvalidated accounts to Experian, Equifax, and TransUnion in violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( b ) ( 1 ) Metro-2 reporting standards Their continued furnishing of unverifiable information has caused credit denials, housing denials, financial harm, and emotional distress.

I attempted to resolve this matter without escalating, but LVNVs refusal to send the documents I legally requested leaves me no choice but to proceed toward litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ( Acct # XXXX ) Reported Issue : 30 late payments, {$140.00} past due.

Dispute Basis : Completed investigation of FCRA dispute consumer disagrees. Request verification of payment history, signed contract, and itemized ledger per FCRA 609 ( a ) ( 1 ) ( A ). 
Delete if unverifiable. 
XXXX XXXX XXXX Loan ( Acct # XXXX ) Reported Issue : 2 late payments, {$3900.00} past due.

Dispute Basis : Account shows data gaps and inconsistent reporting. Violates FCRA 607 ( b ). 
Request removal or correction due to incomplete data. 
XXXX XXXXXXXX XXXX ( Acct # XXXX ) Reported Issue : 7 late payments, {$430000.00} balance.

Dispute Basis : Timeline inconsistencies and missing documentation under UCC 9-210.

Request full validation or deletion. 
XXXX XXXX XXXX ( Acct # XXXX ) Reported Issue : 8 late payments, {$390.00} past due.

Dispute Basis : Active fraud alert from 2019 under FCRA 609 ( e ). Prior dispute unresolved.

Remove or correct account. 
XXXX XXXX  Charge-Off ( Acct # XXXX ) Reported Issue : Charged off, {$410.00} written off. 
Dispute Basis : No contract provided ; continued updates post charge-off violate FCRA 623 ( a ) ( 5 ) ( B ). Delete as unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) Reported Issue : Charged off, {$520.00} past due. 
Dispute Basis : Conflicting report : 'Closed at grantors request ' and 'charged off. ' Violates FCRA 623 ( a ). Delete entire trade line

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 2025-12-09 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: IL

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2025-12-09 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: FL

Complaint narrative:
I respectfully request that Equifax review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$510.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$89.00} XXXX, Account Number : XXXX * * * *, Opened : XX/XX/XXXX, Balance : {$210.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX * * * DOE XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DOE XXXX, Account Number : XXXX * * * * XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
In XXXX, I received XXXX XXXX from XXXX XXXX XXXX with total balances of approximately {$3500.00}. I have made payments totaling {$3500.00} : XX/XX/XXXX {$520.00} XX/XX/XXXX {$2900.00} Despite nearly paying the full amount, I have continued to receive collection attempts from DCI Credit Services for a remaining alleged balance of {$200.00}. XXXX XXXX XXXX has also contacted me regarding the same balance, which is improper since the accounts were already sent to collections. 
The original summons was issued on XX/XX/XXXX, but I did not receive documentation until XX/XX/XXXX, nearly two years later. During this time, I was repeatedly contacted by phone and even had a police XXXX personally deliver collection documents to my home. 
Both XXXX XXXX XXXX and DCI Credit Services repeatedly refused to provide proper written documentation or verification of my accounts. When I was eventually given itemized breakdowns, the balance stated XXXX. Their gross mishandling of my case, misleading statements, and continued collection attempts for accounts already paid have caused immense emotional distress and physical hardship, including the inability to afford necessary spine injections. 
Key Dates & Accounts : Services provided : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Original balances : ~ {$3500.00} Total payments made : {$3500.00} Remaining alleged balance : {$200.00} Summons issued : XX/XX/XXXX Received documentation : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fradulent accounts on my report. please remove accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fradulent accounts on my report. please remove accounts from my report they are hurting my ability to obtain credit.

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One failed to mitigate a volunteer repossession as though I have done all I could to arrange disposal, settlement, and volunteer repossession.Capital One refused disposal and settlement.And ignored my letter as well as the XXXX XXXX Police impound lot letter to possess the car.If Capital one would've possessed the collateral then we would've been able to secure the salvage value for the car and the balance would be lower.In this case the deficiency should be none collectable.The loan is no longer secured and the car can not be repossessed by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
i was informed through my chain of command that i had owe a debt of {$690.00} for XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX on XX/XX/year> to disputed the debt for failure of company to end the service. I went into store to end my phoneline wish i did not need anymore I was was on order to go oversea to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation