vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Prosper XXXX XXXX violated my explicit written instructions for communication and privacy. I informed the company in multiple written notices that all correspondence must be directed to my P.O. Box only, as part of my right to control written communication and protect personal information.

Despite these clear directions, Prosper mailed a copy of my XXXX  complaint in a XXXX XXXX envelope by a XXXX from compliance and related account materials to my physical home address without consent. This action disclosed private financial information at a location I had specifically excluded from communication. I consider this a serious violation of my privacy rights and data handling obligations under federal consumer protection standards. I am requesting a full compliance review, written acknowledgment of the breach, and confirmation that all future correspondence will be sent exclusively to my P.O. Box address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

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 non-monetary relief
Consumer complaint received 2025-10-27 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: AZ

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 non-monetary relief
Consumer complaint received 2025-10-27 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: AZ

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 2025-10-28 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: SC

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
This a follow up for a recent complaint that was close without resolution. My initial CFPB complaint ( XXXX ) I requested documentation verifying whether my auto loan was sold, assigned, or securitized, and identification of the current legal owner or assignee of the contract. Santanders response only restated basic payment information from my contract and claimed that they service the account. Servicing is not ownership, and this statement suggests another entity may be the actual holder or investor in the loan. 

Santander failed to provide : -Proof of ownership or assignment of the loan. 

-Documentation showing whether the contract has been securitized or transferred. 

-Disclosure of the current note holder or trust entity, as required by law. 

Their refusal to answer violates several legal obligations : -Truth in Lending Act ( 15 U.S.C. 1641 ( g ) ), which requires written notice when a loan is sold or assigned. 

-UCC 9-210, which gives the debtor the right to request an accounting and proof of obligation from the secured party.

-Consumer Financial Protection Act ( 12 U.S.C. 55315536 ), which prohibits unfair or deceptive practices, including failure to disclose who legally owns or controls a consumers debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Turnbull Law Group
State: GA

Complaint narrative:
Company : Turnbull Law Group Product/Service : Debt Relief / Debt Settlement Program Date of Enrollment : XX/XX/year> I enrolled in a debt relief program with Turnbull Law Group XXXX XX/XX/year> after they stated they would negotiate with my creditors and consolidate payments to reduce my overall debt. I agreed to pay {$1300.00} XXXXweekly for XXXX months, based on their representation that the majority of my payments would go toward settling my outstanding debts. 
Since enrolling, I have paid a total of {$13000.00}. However, Turnbull Law Group has only applied {$75.00} to XXXX debt and {$25.00} to another. The company also claimed that a total {$74000.00} debt between XXXX creditors had been reduced to {$38000.00}, which they said would be paid off over 36 months. In reality, almost none of my paymentsapproximately {$2600.00} per monthhave been applied to my creditors, and no other debts have been negotiated or settled on my behalf. 
I have repeatedly requested documentation showing how my funds were used and proof of any settlements. Turnbull Law Group has not provided this information. Meanwhile, I continue to receive calls, emails, and letters from creditors, and have been warned that I could be responsible for taxes on charged-off amounts. These misleading statements have caused significant financial stress and concern about damage to my credit and potential wage garnishment. 
When I requested to terminate the program and handle payments directly with my creditors, Turnbull Law Group stated that none of the {$13000.00} I paid would be refunded. They also claimed I now owe {$10000.00} in settlement fees for XXXX account and {$9500.00} for anotherdespite only {$100.00} total being paid to my creditors. 
After researching Turnbull Law Group on the XXXX XXXX XXXX XXXX XXXX XXXX website, I found numerous complaints similar to mine. In their XXXX  responses ( most recently dated XX/XX/year> ), the company claimed to charge only 28 % in settlement fees, yet my account reflects a 52 % fee. This inconsistency, along with their failure to provide documentation or apply payments appropriately, raises serious concerns about deceptive and unfair business practices. 
Additionally, under Georgias Debt Adjustment Act, companies may not charge more than 7.5 % of the amount paid each month for distribution to creditors. Turnbull Law Groups fee structure appears to exceed this legal limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am disputing this matter due to multiple inaccuracies in the companys handling of my case and their failure to conduct a fair and proper investigation.

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 2025-10-28 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:
I am disputing this matter due to multiple inaccuracies in the companys handling of my case and their failure to conduct a fair and proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
LVNV has contacted me with a collection account that doesn't belong to me. This is my final written attempt to resolve this matter before legal action is taken with my attorney. I have included my identity docs along with a legal notice to cease all collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the FairDebt Collection Practices Act, 15 USC XXXXg Sec. XXXX ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification " or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Titleand Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the XXXX major Credit Bureaus ( XX/XX/XXXX or XX/XX/XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt 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 explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I am writing in response to their XX/XX/year> letter regarding my CFPB complaint ( Case # XXXX ). The correspondence claims to have reviewed my dispute concerning the alleged account reportedly placed with their agency by XXXX XXXX XXXX. 

While they have stated that they collect on behalf of their clients and that a copy of a signed contract is not required for verification, I am formally requesting, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), that they provide a full and complete copy of the original contract or agreement between : 1. Aargon Agency , Inc. and the original creditor ( XXXX XXXX XXXX  ), verifying their legal right to collect on this account ; and 2. Myself and the original creditor ( XXXX XXXX XXXX  ), verifying my legal obligation for this alleged debt.

I am requesting the above documents as part of FULL debt validation. Any statement claiming that such evidence is unnecessary is contrary to my right to request complete verification of a debt.

Additionally, I am requesting the permanent deletion of this account from all credit reporting agencies. This same account was previously removed after my earlier dispute and CFPB complaint but has since been reinserted without proper notification as required under FCRA 611 ( a ) ( 5 ) ( B ). Re-reporting previously deleted information without proper certification and consumer notice constitutes a potential violation of federal 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 2025-10-28 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: NC

Complaint narrative:
I have been disputing incorrect information about an account on my credit report, it has been reporting the balance on my consumer report which has been hurting my credit report drastically and giving me late payments further hurting my credit I disputed it XX/XX/year>2025 and the dispute was done on the same day no investigation what so ever. I feel as if EQUIFAX does not follow FCRA laws and should be held accountable the dispute on XX/XX/year>2025 where they came back with the account information verified confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: 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 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 2025-10-27 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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