vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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:
This is an inaccurate item. It shows as a late payment.

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 2025-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: FL

Complaint narrative:
On XX/XX/year>, I received a private student loan from XXXX XXXX Ascent Funding in the amount of {$10000.00}. I applied for a Total and Permanent XXXX ( TPD ) discharge due to my lifelong XXXX and permanent XXXX, supported by my doctors note and XXXX benefits letter. 

Ascent Funding denied my discharge on XX/XX/year>, stating my XXXX existed before the loan and that my XXXX documentation did not show a XXXX  year review. I believe this denial is unfair and does not consider my current permanent XXXX or inability to repay the loan. 

I am requesting CFPB assistance to review this denial and ensure the loan is properly XXXX according to my XXXX status.

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 2025-12-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TransUnion 's failure to uphold consumer protections under the 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 2025-12-05 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:
Experian is reporting late payments on my XXXXXXXX XXXX  XXXX account without providing any verification. I asked Experian for the furnishers payment records and certification required under FCRA 611 ( a ), and they provided nothing. Reporting delinquency without validation violates FCRA 602 and 607 ( b ).

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing in response to your communication dated XX/XX/year> regarding referenced account ( XXXX ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this debt. 

Please consider this letter a formal request for the following documentation and information, which is necessary to verify the legitimacy and legal enforceability of this debt : Original Documentation : Provide a copy of the original agreement, contract, or application that established the debt, signed by me or otherwise legally binding. 

Verification Method and Procedure : Provide a detailed explanation of the method and procedure you used to verify both the accuracy of the debt amount and my liability for it, as required under 15 U.S.C. 1692g.

Valid Chain of Assignment : Provide a complete and unbroken chain of assignment documenting the transfer of ownership of this debt from the original creditor to your agency. This should include each successive assignee and demonstrate your legal right to collect. 

Until you provide this information, I consider this debt disputed in its entirety. Furthermore, please cease all collection activities and communication, except as required by law to confirm receipt of this letter or to provide the requested validation. 

I also request that you forward a copy of this dispute to the original creditor and any other relevant entities to ensure they are aware this debt is formally disputed. 

Your failure to provide this validation within XXXX  days of your receipt of this letter will be considered an admission that the debt is not valid and that you lack standing to collect. I also expect all references to this account to be deleted from my credit reports if the debt can not be validated. 

Please send all correspondence regarding this matter to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
Cashapp closed my account without any reasoning. The account was used to purchase basic needs and medication for my infant son as well as food. They closed my account for supposedly violating terms of service but Ive never done such a thing and when I called the company they had no answers or explanation. They were extremely rude and wouldnt give me any information I requested. I have never violated any terms of service and I have read over them to be sure of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX  XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
The account was opened on XX/XX/XXXX as shown in the statement below, they have falsely reported that the account was opened on XX/XX/XXXX. I have reported this as false on my credit report and since then they have bombarded me with emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

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 2025-12-05 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-05 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX RE : CEASE AND DESIST UNLAWFUL OR HARASSING COLLECTION ATTEMPTS Balance Reported : {$870.00} ( Last Reported XX/XX/year> ) To Whom It May Concern : I am formally requesting that your office cease and desist all communication with me regarding the alleged debt associated with the account you claim I owe.

Please provide the Account Number/Reference Number in your response for proper identification.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to require that you stop contacting me immediately. This includes, but is not limited to : Phone calls Text messages Emails Letters Contacting my workplace Contacting family, friends, or any third parties From this point forward, you are not authorized to contact me for any reason, except for the legally permitted notice confirming that you will cease communication or informing me of specific legal action you intend to take.

In addition, I am exercising my rights under 15 U.S.C. 1692g and requesting full validation of this alleged debt within 30 days, including : 1. Verification of the alleged amount owed ( {$870.00} ).

2. The name and information of the original creditor.

3. Documentation proving I am legally obligated to this debt.

4. A copy of any contract, agreement, or signature-bearing document associated with this account.

If your company fails to comply with this request or continues any harassing or unlawful collection activity, I will pursue all legal remedies available, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and the Pennsylvania Attorney General, and I will seek civil remedies for violations of the FDCPA.

This letter serves as your formal notice.

Cease all contact immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CA

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 2025-12-05 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: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing the collection account associated with CAINE & WEINER XXXX XXXX XXXX WEINER for {$380.00} under Account # XXXX. This same account appeared with duplicated furnishing information and conflicting reporting. After I submitted a dispute, this account was removed from XXXX XXXX XXXX confirming the dispute was already received and reviewed. However, the collection was then placed and/or maintained on my XXXX report only, creating inconsistent reporting across bureaus for the same alleged debt. This constitutes inaccurate and misleading credit reporting and violates the FCRAs accuracy and reinsertion requirements ( 15 U.S.C. 1681s-2 and 1681i ), as well as the duty to conduct a reasonable investigation. Additionally, I have never received proper debt validation as required under the FDCPA ( 15 U.S.C. 1692g ) including an itemized breakdown of the debt, a copy of the original signed contract or application bearing my signature, proof of legal assignment with chain of title, or business records establishing liability and balance accuracy. Without this documentation, continued reporting and collection activity constitutes verification without lawful evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding a collection account they are reporting on my credit reports that they say originated with Advance America. 

My credit reports show a collection account from XXXX XXXX XXXX with a balance of about {$310.00}, status collection / open, with a reported opened/placed-for-collection date around XX/XX/year>. Across my reports this account appears inconsistently ( sometimes as an open account, sometimes as a collection account, with various comment codes ), and no clear payment history is shown. 

I am disputing both the validity of the debt and the accuracy/completeness of the way it is being reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g, I have the right to request validation of the debt. Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations. Under the FCRA ( 15 U.S.C. 1681s-2 ), XXXX must report information accurately and must correct or delete information that is not accurate or can not be verified. 

I have disputes because : I have not been provided with adequate validation, including the original signed agreement/contract with Advance America , proof of assignment or sale of the debt to XXXX, and a full breakdown of how the balance of {$310.00} was calculated. 
On my credit reports, the account is presented in different ways ( open account, collection account, mixed comment codes ) and with no detailed payment history or clear date of first delinquency. 
This inconsistent and incomplete reporting is misleading and harms my creditworthine I have told them numerous times I have came to an agreement with the creditor. 

I never gave the creditor permission to sell my account or report misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately! 
This statement serves as a formal and urgent demand concerning the identity theft that has been wrongly attributed to my name. The information and transactions in question were neither errors nor requested by me. I unequivocally state that there has been no material misrepresentation of fact on my part. 
I insist that you provide concrete evidence proving that I received goods, services, or money as a result of these transactions. Until such proof is provided, I demand that you block and remove any related information from all records and systems immediately. XXXX Resurgent XXXX XXXX LVNV Funding LLC REFERENCE ID XXXX I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them imme

Company response to consumer: Closed with explanation