vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: MS

Complaint narrative:
I am submitting a formal complaint regarding repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 1692g ), by the following creditor ( s ) /debt collector ( s ) : Resurgent Capital Services ( XXXX XXXX  ) XXXX XXXX Resurgent Capital Services ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX XXXX I have sent multiple written requests asking each company to validate the alleged debts they claim I owe. In response, they continue to send the same one- or two-page statements, which only reference account balances and the name of the original creditor. These documents do not constitute proper validation and fail to include : - A signed agreement or contract bearing my signature - A full, itemized breakdown of how the debt amount was calculated - Evidence that the collector is legally authorized to collect on the alleged debt While I am aware of the original creditors ( as their names are listed on the repeated statements ), this does not replace the legal requirement to fully validate the debt upon request. 

Despite failing to provide this required information, these companies continue their collection attempts through letters and phone calls, which is a violation of my rights under federal law. 

I respectfully ask that your office investigate these violations and take appropriate enforcement action. I have attached copies of my written requests and the insufficient responses I have received. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed my business bank account due to inactivity. 

I had {$800.00} in rewards that I should be able to claim within 90 days of the account closing. 

I called and was informed that I am not able to redeem the rewards 30 days after account closing.

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 2025-07-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I took out a vehicle loan from Ally Financial ( Account # : XXXX ) for a used cargo XXXX used in my small business. Due to a significant drop in revenue and a health issue I was diagnosed with XXXX, which has affected my ability to work full-time and safely operate my business I fell behind on payments. 

I contacted Ally Financial through their secure message system and explained my financial and medical hardship in detail. I specifically asked for ( 1 ) a short-term hardship payment plan and ( 2 ) written confirmation that there was no active repossession order on the vehicle.

Despite my good-faith efforts, Ally refused to offer any hardship payment plan and declined to provide written responses. I was repeatedly told they dont communicate in writing, which felt evasive and concerning. 

On XX/XX/year>, I made a {$200.00} good faith payment to demonstrate that I am not refusing to pay I am simply in a temporary hardship due to health and business conditions. Ally still insisted on pursuing repossession and has offered no alternative solution. 

I am trying to resolve this matter so I can retain my work vehicle and recover financially. I am requesting the CFPB help hold Ally accountable for refusing to cooperate, for ignoring a clear hardship situation, and for continuing repossession activity even after a good faith payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MO

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$230.00} INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the blocking of the following fraudulent accounts appearing on my credit report. As permitted under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed due to identity theft : Comenity Capital Bank XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$4900.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Amount : {$230.00} These accounts were not opened by me, nor authorized, and are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX/XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-02 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: OK

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 2025-07-02 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: MN

Complaint narrative:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

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 Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : 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 2025-07-02 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: Experian Information Solutions Inc.
State: GA

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There is an amount of {$370.00} on my collections report that isnt supposed to be on there.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: HI

Complaint narrative:
XXXXDear Sir/Madam,\n\nMy brother lives in XXXX  and his company is struggle in financial issue after COVID-19. He has debt due or he will be in trouble. He asked me to help. I search online and found WISE is a good company to transfer money to my brother. \nAfter the complicated process, WISE consider I might be scam and denied to transfer the money and close my account. I search online again and got message that if WISE close my account, they will return my money. I waited for more than a month and called WISE on XXXX, a lady name XXXX  answer the call. I requested transfer my money back to my account where they withdrew it from. XXXX  gave me the case number XXXX. After that, I received emails that I have to follow instruction to appeal. I did many times and still failed. I reported to XXXX  Police seeking help. An officer called me and suggested me to call and request talk to WISE's supervisor. I did. I call WISE again XXXX more than a week ago. A gentlemen name XXXX  answer the call and I requested to talk to supervisor. He said the supervisor will call me in 48 hours and so far no one call me. \nI'm writing to complain about Wise's handling of my account. Despite following their appeal process many times, I've been unable to resolve the issue and get back my money. I am patient and follow all instruction to get back my money but the issue remains unresolved. I'm seeking assistance in releasing the held funds issues. I've attached relevant documents, including transaction records and communication with Wise.\n\nI wish CFPB can help me get back my money where they took it from. Please let me know if you need any information from me. Thanks a lot for help.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
XX/XX/year> : I make a regular payment on my student loan account in the amount of {$280.00} with my former servicer ( XXXX the amount of my regular payment of {$140.00}, the monthly charge with my former servicer ) Late XX/XX/year> : I try to make a payment on my original servicer 's account and can't find my loans, after some searching I find them with the FSA and see that they have been marked in default, that I am behind on payments and my credit has taken a hit of over XXXX points. They claim they tried to contact me repeatedly about the loan transfer and couldn't reach me, but all my contact information in the website is up to date, and I have no record of being contacted. This credit score drop has affected my ability to qualify for apartments I'm applying for. I repeatedly contact customer service by phone and via the online portal, asking for additional information on why this happened, and am always told that this is my fault and it's my responsibility to be aware of my loans, that they tried to contact me and that I should have been aware. When I ask for documentation on the default status, I'm told to contact a different department - FSA tells me to contact Debt Resolution, Debt Resolution tells me to contact FSA, FSA tells me to contact Ombudsman - none have actual answers and they pass me to the next department until I give up. I frequently spend XXXX hours on the phone. 

XX/XX/year> : I make repeated calls and online complaints to all XXXX departments trying to get a response and clear documentation of how my loans were placed in default and proof that they attempted to contact me. No response from any department besides all XXXX departments continuing to deflect and refuse to provide the information I'm requesting, they just mark the complaints " resolved '' without responding to my actual questions. I mail in my tax return so I am able to start a payment plan ( they tell me I can start making payments, but this will not actually count towards a payment plan and repairing my credit until they have my tax return and can verify my income ). I call repeatedly and ask if they have my tax return, they say I need to wait XXXX days for them to process it before they can verify my payment plan amount. I am notified that it will take XXXX regular payments before my credit is repaired. 

XX/XX/year> : Continuing to make calls and complaints with no actual response or help. 

XX/XX/year> : I make the first payment on my account as my tax return has been fully processed and make another complaint to both the XXXX XXXX XXXX and the Ombudsman, but don't anticipate it will go anywhere.

Company response to consumer: Untimely response