vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: IA

Complaint narrative:
Several accounts began reporting negatively on my credit report, despite multiple inaccuracies and a lack of proper validation. For example, the XXXX  account reflects conflicting high balance amounts across different credit bureaus and no billing history has ever been provided. The XXXX XXXX account continues to report derogatory information, but I have never received a signed application, billing statements, or any proof of liability. Additionally, an account from XXXX XXXX has been reporting since XXXX without a single update or verification of activity, contract, or balance details. Several accounts from XXXX are also listed as negative, but none have shown valid contracts, itemized statements, or billing recordssome of which are low-balance and unverifiable. A collection account from XXXX XXXX XXXX is listed without any documentation of ownership or assignment from the original creditor. Ive previously disputed these accounts, but they remain unresolved with no proper response or supporting evidence provided. These items are harming my credit unjustly, and I am requesting immediate reinvestigation and correction.

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 2025-07-28 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated XXXX XXXX any nonpublic personal information. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX card account under an XXXX XXXX XXXX XXXX XXXX as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Pursuant to the provisions outlined in XXXX XXXX. XXXX, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : XXXX  Card account opened at CAPITAL ONE on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card account opened at CAPITAL ONE on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card account opened at CAPITAL ONE on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request XXXX subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Creditor Information COLUMBIA DEBT RECOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX I haven't received any emails from them if they did send it and I need to make sure that they aren't falsely correct collecting. 
accordance with * * 15 U.S.C. 1692g * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I deny any involvement with these accounts. They are unauthorized and fraudulent. Please delete them from my credit record in line with USC 1681g within 15 days. Proof is enclosed.

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 2025-07-28 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: AZ

Complaint narrative:
This letter is being submitted as a formal dispute of a fraudulent account listed on my credit report. I have never had any relationship with the institution reporting this account, nor did I authorize anyone to open it on my behalf. The presence of this account is damaging and completely inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
These accounts are in reporting inaccurate I have no knowledge of these accounts.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a XXXX  account on XX/XX/year> with capital one and got an approval. After the approval I made XXXX deposits. After the deposits I find out that I can't have an account with capital one because of an incident that happened XXXX  years ago. Its been now over a month and a half and they still won't send me back the funds that were deposited. They keep giving excuses and lies about why the funds haven't been sent. I even received an email stating that they are closing my account and sending the remaining funds within XXXX business days, its been almost XXXX  days and they still haven't sent me my funds,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
XXXX XXXX, XXXX St.Louis ( XXXX ), XXXX SSN ( XXXX ) XXXX XXXX Wakefield & Associates , Inc . 
XXXX XXXX, XXXX Re : Alleged XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FORMAL CEASEANDDESIST AND WITHDRAWAL DEMAND XXXX ( c ) XXXX ( b ) XXXX ( a ) ( XXXX ) ( A ) I, * * XXXX * *, hereby demand that Wakefield & Associates , Inc . immediately * * cease all communication * * with me regarding the abovereferenced account. 

XXXX. * * Cease all * * phone calls, letters, emails, texts, or other direct or indirect contacts. 
XXXX. * * Do not contact * * my employer, relatives, or any XXXX XXXX except for the single locationinformation attempt permitted by XXXX. 
XXXX. If you contend this debt is valid, you must : a. Provide a complete validation package that complies with XXXX ( b ) * and * XXXX ( XXXX itemization notice ). 
b. Suspend any creditbureau reporting until validation is supplied ( XXXX ). 
XXXX. If you * * can not validate * *, you are obligated under XXXX ( a ) ( XXXX ) ( A ) to * * delete or suppress * * the tradeline from XXXX XXXX XXXX XXXX within XXXX ( XXXX ) business days. 

Any communication beyond the XXXX notices allowed after a ceaseanddesist ( termination of collection efforts or notice of specific legal remedy ) will constitute a willful violation subject to civil remedies under XXXX and XXXX violations will be reported to the Consumer Financial Protection Bureau, the Missouri Attorney General, and other relevant regulators, and XXXX serve as grounds for civil litigation. 

This notice does * * not * * constitute an admission of liability and does * * not * * waive my right to dispute the debt. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I believe this collection is reporting inaccurately. Please verify this and remove if it is in fact inaccurate. This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Global Lending Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Unauthorized XXXX Inquiry on date XX/XX/XXXX XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXX Inquiry Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXXXXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXXXXXX XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXX  Inquiry Unauthorized XXXX Inquiry on date XX/XX/XXXX XXXX XXXXXXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXX XXXX Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX XXXX  Unauthorized XXXX  Inquiry on date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Southwood Financial, LLC.
State: WA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Southwood Financial LLC, a debt collection agency that has recently taken over XXXX of my XXXX loans. I received a notice dated XX/XX/year>, informing me of a significant data breach at Southwood Financial LLC that compromised sensitive personal information, including my name, Social Security number, date of birth, address, phone number, email, and potentially financial account information. 

This breach has caused me serious concern, as this agency now holds a financial obligation tied to my personal identity that they themselves have compromised through poor data security practices. They have not provided evidence that my data has not been misused, only that they are unaware of such misuse at this time. 

My concerns are as follows : Security of my financial information and identity : The breach puts me at significant risk for identity theft, credit fraud, and unauthorized financial activity. 

Lack of transparency : Southwood Financial has not provided sufficient details regarding how my data was handled, what exactly was compromised, and how it will ensure this doesnt happen again. 

Ongoing collection activity by a compromised party : It feels fundamentally unjust and unsafe for this agency to continue collecting on a debt when they have demonstrably failed to safeguard the information related to that very debt. 

Lack of remedial action beyond generic credit monitoring : A one-bureau monitoring service does not adequately address the potential long-term harm caused by the exposure of my full identity and account-related information. 

I am requesting the following actions : A full investigation into Southwood Financials data handling, breach reporting, and continued authority to collect debts while under investigation. 

That this debt be placed in dispute status until it can be confirmed that it was lawfully acquired, properly transferred, and securely managed. 

That the CFPB demand increased consumer protection and remediation beyond basic credit monitoring ( e.g., multi-bureau protection, credit freezes, or suspension of collection activity ).

That Southwood Financial be held accountable for any downstream impacts this breach may have on my credit or identity. 

I have attached a copy of the breach notice I received for reference. 

Thank you for your attention to this matter. I look forward to your response.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year>, my husband 's wallet was stolen outside our local grocery store. Less than an hour later, several transactions were made using both of my debit cards, as well as my husband 's, but only XXXX was successful totaling {$610.00}. We immediately canceled the cards and requested new ones, and I also filed a police report. When the transaction posted to my account on XX/XX/XXXX, I was able to file a dispute claim with my bank. Despite evidence to support my claim, I was denied XXXX times. However, XXXX additional disputes were made afterwards without my knowledge or consent for regular bill payments I make every month, and all three were approved. No one has been able to tell me who made those disputes, why they were made, or why they were approved. Until now, I have never had an issue getting my money back after disputing an unauthorized charge. I've spoken with XXXX supervisors within a XXXX period. The second one was extremely rude and unprofessional. He kept interrupting me when I tried to explain things then hung up on me. Effective immediately, my husband and I are closing our accounts and going to my original bank. We were already victimized by the theft, and now we're being victimized by the people who were supposed to protect us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Please correct and update the late payments on my credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
Issue : Improper repossession and collection of alleged vehicle deficiency balance without proper notice or legal compliance. 
Company Names : Bridgecrest XXXX XXXX Info : VIN XXXX XXXX XXXX Date of Purchase : Approx. XX/XX/year> Location : Connecticut Complaint : I am disputing a vehicle loan deficiency being reported and/or collected on by Bridgecrest and XXXX relating to a vehicle with VIN XXXX XXXX XXXXXXXX. 
The vehicle was repossessed in the state of Connecticut. I was never provided the legally required notices or disclosures prior to or after the repossession, as mandated under the Uniform Commercial Code ( UCC ) and Connecticut law. 
Specifically, I am requesting verification and proof that Bridgecrest and XXXX complied with the following legal requirements : UCC 9-506 ( Effect of Errors or Omissions ) UCC 9-611 ( Notification Before Disposition of Collateral ) UCC 9-612 ( Timeliness of Notification Before Disposition of Collateral ) UCC 9-613 ( Contents and Form of Notification Before Disposition of Collateral ) I have asked the companies to provide copies of these notices and proof that the repossession and resale of the vehicle were conducted in a commercially reasonable manner, as required by law. They have failed to provide such documentation.

Without proof of compliance, any claim for a deficiency balance is legally invalid. Continued collection activity or credit reporting of this account without proper verification violates both the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and ensure the companies either : 1. Provide the required proof of legal compliance with state and federal law ; or 2. Remove and cease all collection activity and reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX on XX/XX/year>XXXX  with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief