vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Sent via Certified Mail Return Receipt Request RE : Formal Debt Dispute and Cease & Desist Notification To Whom It May Concern : This letter serves as a formal dispute and cease and desist request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

I am writing to notify you that I dispute the validity of any and all accounts your company claims I owe. I do not acknowledge any liability or responsibility for any such accounts. Additionally, you have failed to provide a proper validation notice as required under 15 U.S.C. 1692g ( a ) within five ( 5 ) days of initial communication. Therefore, any attempt to collect is unlawful.

If your company is furnishing information about this alleged debt to any credit reporting agency, ( Which you have ) this may be a violation of 15 U.S.C. 1681s-2 ( a ) unless the debt has been verified and validated ( Which it has not ) If you can not validate the debt, you are required to immediately remove any tradelines from all consumer reporting agencies. ( XXXX XXXX XXXX, etc. ) You are hereby ordered to cease all communication with me, except by written mail to the address you have on file. Failure to comply, or continued attempts to collect a disputed and unverified & unvalidated debt, will result in formal complaints to the CFPB, FTC, and legal action under 15 US.C. 1692k and 15 U.S.C. 1681n. 
This is your final notice. Govern yourselves accordingly, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
Unauthorized withdrawals taken from my cash app account, violation of the XXXX  XXXX XXXX and anti money laundering law violations from XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ascent Holding Co
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX ( formerly XXXX XXXX ) under an XXXX XXXX XXXX  ( XXXX ), which specified that I would only repay a portion of my income if I met certain earnings thresholds after XXXX. I withdrew from the program and did not complete my coursework. At no point did I agree to or sign for a traditional student loan. 

On XX/XX/XXXX, I discovered that a private student loan had been originated in my name without my knowledge or consent, allegedly through Ascent Funding , LLC on behalf of XXXX. I did not receive any disclosures, sign a promissory note, or authorize this loan in any form. I never agreed to convert my XXXX into a private loan, nor was I informed that this would happen. This appears to be a deceptive and unauthorized lending practice. 

I also want to note that in XXXX, the Consumer Financial Protection Bureau issued an enforcement action against XXXX for misrepresenting its financing products and for placing students into loans that they did not agree to or fully understand. My experience mirrors the exact issues outlined in that action. Despite the CFPBs previous ruling, XXXX appears to be continuing these practices. 

I am currently disputing this debt with the credit bureaus and have contacted both XXXX and Ascent Funding with no resolution. I am requesting a full investigation, removal of the loan, and for enforcement to ensure this behavior is stopped permanently. 

Attached is the letter i sent on XX/XX/XXXX to Ascent Funding LLC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This collection by XXXX XXXX XXXX because I never authorized my information to be sold or used. As required by section XXXX11 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. Please reinvestigate this and delete or the disputed item as soon as possible. 
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 non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This collection by XXXX XXXX XXXX because I never authorized my information to be sold or used. As required by section XXXX11 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. Please reinvestigate this and delete or the disputed item as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Subject : XXXX  XXXX Account # XXXX Amount {$5700.00} Request for Account Information and Form 1099-C Dear Consumer Financial Protection Bureau, I am writing regarding an account listed on my credit report. Please note that I am not disputing the amount owed. However, I am requesting specific information to ensure the accuracy and completeness of the records associated with this account. 

I respectfully request the following : The date of first delinquency The date of last payment The date the account was charged off A copy of Form 1099-C Your assistance in providing this information would be greatly appreciated. Please let me know if any further documentation is required in order to process my request. 

Thank you for your time and attention.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Paying on time is purposely difficult. I use autopay. They only allow autopay with a checking account, no debit cards allowed. The money is not taken out on the due date. There is no way for me to know when the money is going to be taken out. Therefore I have to have enough to satisfy my minimum payments available in my bank account at all times. If I want to pay on the due date, I have to use a third party which charges me a {$2.00} fee and even then, the transaction will be randomly denied with no explanation. This all results in late payments and return check fees that I have no control over. The payments should be processed on the due date. Not 5,6 or 7 days later. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account is reporting twice on credit Report The accounts below are inaccurate, this is a notification that i formally dispute these accounts for inaccuracy. 

Account : XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Last payment Made : XX/XX/XXXX Date Closed : XX/XX/XXXX Remarks : Charge Off Reported XXXX XXXX  30 days late payment, XXXX XXXX  60 days late, XXXX XXXX 30 days Late, XXXX 60 days late, XXXX XXXX 90 days late, XXXX  120 days late. 
Reported same Account XXXX XXXX Account # ( XXXX XXXX XXXX XXXX XXXX ) Date Opened XX/XX/XXXX Last Payment Made : XX/XX/XXXX Date closed : XX/XX/XXXX Remarks : Account Closed due to refinance closed. 

This has damaged my credit score and extremely troubling. 

I am sure you aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account; adhering to this of the upmost. 
You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 
1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regards to my account.

2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether or not you claim they were late from the time this account was opened to this present date. 
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. 
XXXX, XXXX  and TransUnion and any others. 
If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 
Im thanking you in advance for attending to my requests promptly.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I am writing to formally file a complaint against [ Nordstrom/TD Bank , XXXX XXXX XXXX ] for violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ).

According to this section, consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Unfortunately, the information currently appearing on my credit report is inaccurate and damaging, and I have reason to believe that [ Nordstrom/TD Bank ] has failed to meet this legal obligation. 

I have attempted to resolve this issue by disputing it directly with the credit reporting agency, and/or with the furnisher of the data. However, the problem has not been properly investigated or corrected, and the inaccurate information remains. 

This failure to ensure accuracy has caused harm to my creditworthiness, including denied credit, increased interest rates, and XXXX XXXX. I request that the CFPB investigate this matter and hold [ Nordstrom/TD Bank ] accountable for its failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-17 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: CA

Complaint narrative:
This correspondence is in reference to a reported late payment that I strongly believe is inaccurate. I have maintained a consistent record of on-time payments and find this negative mark unjustified.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In short, I had a promotional offer for a 0 % balance transfer for 12 months, I made purchases along that time but would always pay my purchases before the month and XXXX or more each month towards the balance transfer. Instead of applying my cash how I intended to use it ( XXXX dollars fee ) they ( Wells Fargo ) predatorially applied it in the worst way possible to ensure that I paid the most interest possible. After arguing and request this information for months the reps either not trained/incompetent or lacking resources to give me the information. I then escalated to a person who argued with me that the laws that these practices violate do not exist even though they were in a a different country and barely spook clear XXXX. The laws include TILA and the Credit CARD Act particularly how payments beyond minimum are to be handled. I have the conversation recorded and when I mentioned it to the lady who tried to gaslight me she froze as if she knew what she was doing was illegal. She refused to help me or offer me the information so I escalated again above her head. I have been waiting a week for a call from Wells Fargo.

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 monetary relief
Consumer complaint received 2025-07-17 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: PR

Complaint narrative:
Reviewing of my most recent credit report showing serious concern about incorrect names and addresses on my file as well account from Experian as well TransUnion are conducting the investigation and they are in serious violation with the CFPB and FCRA laws are ignoring the issue are not providing sustainable evidence that proof the accuracy of the report. 

I found the response that I received from Experian does not comply with the Fair Credit Reporting Act ( FCRA ) and other Federal regulations. The response fails to adequately verify the disputed accounts as required by law and does not sufficiently address my concern with appropriate documentation should be presented to the consumer. They dont want to show anything to the consumer and you have to belive them by default, and thats It they only but a status ALL Words failing to provide any kind of documentation that supports their statement not in accordance with the law and right we all have. 

Request reinvestigation, provide clear, verifiable evidence supporting the reported information, correct or Remove any inaccurate or unverifiable. Please step in with the credit bureaus. Are not comply with the laws avoiding to communicate nor send by mail the disputed 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC Credit Bureau for failing to comply with the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] regarding multiple charge-offs and third-party collection accounts currently being reported on my credit file. 

I submitted an initial dispute in XX/XX/year>, requesting the verification and documentation of the debts in question. These included charge-offs and accounts that were allegedly sold or assigned to third-party debt collectors. In response, I received a standard template reply that did not address my specific requests or provide lawful documentation.

As a follow-up, I submitted a second dispute via certified mail XXXX with a tracking number of XXXX, specifically requesting : - Validation of the alleged debts - Proof of chain of assignment from the original creditor to the debt buyer/collector - Legal authorization to collect and report the debt to the credit bureaus - All securitization records, if the debt was pooled, sold, or securitized.

- Proof of written consent authorizing any sale or transfer Despite clearly outlining my rights and requests, the credit bureaus continued to report these accounts without proper investigation or verification as required by law. They failed to provide any supporting documentation, ignored my second request, and refused to remove the accounts or offer a meaningful resolution.

I am requesting that the CFPB intervene and hold the credit bureaus accountable for failing to comply with FCRA regulations, specifically their obligation to conduct a reasonable reinvestigation and remove unverifiable information. I am also attaching a copy of my second dispute letter for reference.

Company response to consumer: Closed with non-monetary relief