vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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:
They have been illegally attached to my credit since XXXX. As a charge off the car was totaled in an accident and they put a repossession on my credit then a year later picked up the car from a lot auction XXXX and put as a charge off after that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IN

Complaint narrative:
My former landlord, XXXXXXXX XXXX  ( managed by XXXX XXXX in XXXX, GA ), referred me to collections through ProCollect, Inc. for move-out charges totaling {$190.00}. However, this debt is not legally collectible under Georgia law. 

My lease ended on XX/XX/XXXX, and I vacated the unit on that date. Under Georgia Code 44-7-34, a landlord must provide an itemized list of damages and charges within 30 days of lease termination or possession. Failure to do so results in a forfeiture of the right to withhold any portion of the security deposit or pursue damages. 

XXXXXXXX XXXX did not send the move-out charges until XX/XX/XXXX, which is 36 days after lease termination. Therefore, under Georgia law, the landlord forfeited the right to claim any damages or retain my deposit. 

I disputed the charges with the landlord on XX/XX/XXXX, citing the relevant Georgia statute. I also sent a certified letter to ProCollect on XX/XX/XXXX, requesting debt validation and explaining the legal issue. ProCollect responded by simply stating that the landlord believes the debt is valid and continued collection attempts. They did not address the timeliness issue or provide any legal justification. 

This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) because they are attempting to collect a debt that is not legally owed. I am requesting that this account be closed and removed from any credit reporting, and that the CFPB take appropriate action to prevent further unlawful collection activity.

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 2025-07-05 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: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a complete loss mitigation request to my mortgage servicer, including documentation of financial hardship related to divorce. I was verbally informed on XX/XX/year> that my request was denied, but no written denial was ever sent to me as required under RESPA and VA compromise sale procedures.

Immediately after verbally denying my loss mitigation packet, the servicer initiated default proceedings and mailed a notice requiring a signature, which I missed due to work obligations. They then updated the primary address on file without my submission or consent, falsely claiming I abandoned the property even though I continue to reside at the address part-time and maintain it as my legal primary residence until my divorce was finalized. 

I submitted a Qualified Written Request ( QWR ) on XX/XX/year>, requesting confirmation of the address change, loss mitigation file status, and the servicing timeline. As of the date of this complaint, I have received no response. This delay is obstructing my ability to cure the delinquency, submit a corrected mitigation packet, or respond to potential foreclosure action.

The servicers actions show a failure to respond to a QWR, potential violations and bad faith denial of loss mitigation assistance. I am requesting that the CFPB compel the servicer to : 1. Respond to the QWR in writing, 2. Restore my original primary address on file, 3. Explain why a written loss mitigation denial was not provided, 4. Pause any default actions until this matter is resolved.

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 2025-07-05 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: NY

Complaint narrative:
Like stated in my prior comments, I requested a 1099XXXX forms for each of these companies because the information that is being furnished by transunion is reporting the accounts are accurate but Im being told by each of these companies that they cant provide me a 1099c forms due to accounts are not charged off. XXXX XXXX XXXX # XXXX, XXXX  XXXX acc # XXXX, XXXX XXXX XXXX XXXX XXXX acc XXXX XXXX # XXXX, XXXX XXXX XXXX acc XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX acc # XXXX & XXXX XXXX XXXX acc # XXXX are the accounts that Ive disputed with transunion to informed them of the inaccuracy and no correction. These inaccuracy are harming my life and violating my consumer rights.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
apparently i am carrying a balance on this account of which i have no knowledge of please investigate this card as it is not mine JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX  {$6100.00} - - -No Data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: HI

Complaint narrative:
I did not open this account, and I am a victim of identity theft. Enclosed is a copy of my FTC Identity Theft Report and a copy of my government-issued ID and proof of address.

Under the * * Fair Credit Reporting Act ( FCRA ) 605B * *, I request that you : 1. Block this fraudulent account from my credit report.

2. Investigate and remove all inaccurate information related to this account.

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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital Systems for reporting a fraudulent debt to the credit bureaus under my name.

I have no prior business relationship with this company. I have never signed any agreement or contract with Jefferson Capital Systems, nor have I received any verification of the alleged debt. I firmly believe this debt is not owed by me and is the result of either mistaken identity or fraudulent activity.

Despite my lack of association, they have falsely reported this debt to the credit reporting agencies, damaging my credit profile. I request that the CFPB investigate this matter, instruct Jefferson Capital Systems to provide full validation of this debt, and if they are unable to do so, to remove all negative entries associated with it from my credit report.

I am requesting : 1. Immediate investigation into Jefferson Capital Systems actions.

2. Removal of this account from my credit reports if they can not provide proper documentation.

3. Protection from further false reporting or harassment.

Please let me know if you require any additional documentation or identification to proceed with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I stopped making payments on a Kikoff Credit Builder Loan, which was a $ XXXX product that never provided any usable funds or credit access. The loan auto-closed on XX/XX/year>. I was never notified that missed payments would be reported as delinquent or negatively affect my credit. I made consistent payments for months prior and believed the account would simply close without penalty once I stopped participating.

Only after the fact did I learn that two late payments were reported to the credit bureaus, damaging my score. This misrepresents the products purpose, which was marketed as a tool to build credit, not harm it. I submitted a goodwill adjustment request to Kikoff, which they denied, despite my positive payment history and the misleading nature of the reporting.

This product functions more like a subscription than a loan, and should not be allowed to report delinquencies without clear consent or notification. Im requesting removal of the late payments from my credit report and correction of the account status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am writing to request that the Consumer Financial Protection Bureau ( XXXX  ) open an investigation into an unverified and allegedly fraudulent collection account that was first reported on XX/XX/year>, by Credit Systems International , Inc. ( XXXX ) to both XXXX  and XXXX, in the amount of {$360.00}. 

I have absolutely no knowledge of this debt, no contract exists in my name, and I did not authorize anyone to open this account. 

Because the account is unverified, likely a mistaken identity or a malfunction in XXXX reporting process, and causing actual financial harm, I am formally requesting the following actions under the Fair Credit Reporting Act ( XXXX  ), the Fair Debt Collection Practices Act ( XX/XX/XXXX), and your authority : XXXX. Immediate investigation into this accounts legitimacy. 
XXXX. Removal of the account from my credit reports at all bureaus if validation can not be provided. 
XXXX. Notification of the investigations outcome and corrective action to me in writing. 

This erroneous entry has dropped my credit score, resulting in higher interest rates, major stress and an extreme inconvenience for my life. I am being denied favorable loan and housing terms. This is creating real hardship and limiting my financial recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
Sent a dispute to credit Bureaus for inaccurate reported information that negatively impacts my credit. Under FCRA I asked them to remove these inaccuracies that were listed on the document that was provided to them. Transunion did not let me file the dispute on their site. I was prepared to complete the dispute request bu the site said I could no longer complete the dispute, so I was stuck in limbo without being able to submit the request for this to be corrected.

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 2025-07-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Verification and Description of Reinvestigation Procedure for LVNV Account Pursuant to FCRA 1681i ( a ) ( 7 ) and Georgia Contract Law Dear Equifax Dispute Department , I am writing to formally dispute the continued reporting of an account under the name XXXX Funding on my credit report with your bureau. 

This same account has already been removed from my Experian report after they conducted a reinvestigation and determined that XXXX could not legally verify the debt as mine. Given that Experian found no sufficient proof, I am now formally demanding that Equifax provide the exact method and documentation that was used to verify this debt as legally mine. 

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 7 ), I am requesting a full description of the reinvestigation procedure used in my previous dispute regarding this account. The law requires that this information be provided within 15 days of my request.

Additionally, I live in the State of Georgia, which is a contract state. Under Georgia law, a collection agency must produce a legally binding, signed contract with the debtor in order to claim that a debt is owed. If XXXX XXXX or your bureau can not produce this original signed contract showing I agreed to be liable for this debt, then you are not legally permitted to continue reporting it. 

What I Am Formally Requesting : XXXX. A written description of the reinvestigation procedure used to verify this XXXX account. 
XXXX. The name and address of the party who verified the account. 
XXXX. All documentation that was used to validate the debt, including the original signed contract. 
XXXX. Written confirmation of whether these verification steps meet the standards of Georgia contract law. 

If this account can not be fully and legally verified with a signed agreement, it must be removed from my Equifax credit report immediately to remain in compliance with the FCRA and Georgia state law. 

Please send all requested documentation and responses to my mailing address listed above. I expect full compliance with my request within XXXX  days, as required by federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding several unauthorized and inaccurate hard inquiries that appear on my credit report. I did not apply for credit with the companies listed, and I never gave permission for these inquiries to be made. These inquiries are negatively affecting my credit score and were added without my knowledge or consent. 

I have already contacted the credit reporting agencies and the companies responsible for the inquiries, but the issue has not been resolved. I am requesting that these inquiries be investigated and removed from my credit report immediately.

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 2025-07-05 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a hard inquiry may only be made under certain circumstances with the explicit consent of the consumer.

After reviewing my credit report, I have identified inquiries that I did not authorize and for which no permissible purpose exists. These inquiries are damaging my credit profile and were not initiated by me. The presence of these inquiries violates my rights under federal law and constitutes a breach of my privacy.

Under FCRA, no entity may access my credit file without a permissible purpose, and all such access must be verifiable.

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 2025-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed a collection account from XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit file with all three bureaus. The account shows a balance of {$300.00} and states it was opened in XX/XX/XXXX and reported as recently as XXXX and XX/XX/XXXX. 

I want to clarify that I have never had an account with XXXX XXXX XXXX, nor have I received any bills or collection notices from XXXX XXXX regarding this alleged debt. I believe this account may have been reported in error or could be a case of mistaken identity. 

Since I am not responsible for this debt, I am requesting that the credit bureaus investigate and remove this item from my credit report if it can not be verified as accurate.

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 2025-07-05 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: FL

Complaint narrative:
I noticed a collection account from XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit file with all three bureaus. The account shows a balance of {$300.00} and states it was opened in XX/XX/XXXX and reported as recently as XXXX and XX/XX/XXXX. 

I want to clarify that I have never had an account with XXXX XXXX XXXX, nor have I received any bills or collection notices from XXXX XXXX regarding this alleged debt. I believe this account may have been reported in error or could be a case of mistaken identity. 

Since I am not responsible for this debt, I am requesting that the credit bureaus investigate and remove this item from my credit report if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I emailed a firm about XXXX charges XXXX $ and XXXX $ on my credit report, and they emailed a generic response stating that the charges were mine because of the information that they had however they felt to provide me what information was used to decide if this was fraud and I am asking Help to have this company remove these charges because they are not mine and I did not authorize these charges in my name. 

For example IP address? They dont include XXXX. They stated XXXX purchases? I dont have an XXXX account? At this point, I feel like they did a terrible job thoroughly investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
New Complaint Original Complaint Not Resolved and Main Issues Ignored I am filing this new complaint because Wells Fargos response to my previous complaint did not address the core issues I raised and completely missed the point. 

My original complaint was not simply about whether a cashiers check was eventually issued it was about how I was treated at the XXXX XXXX XXXX, XXXX XXXX, TX branch on XX/XX/year>. The branch staffs behavior was unprofessional, dismissive, and felt discriminatory during a time-sensitive and vulnerable situation for me. 

Wells Fargos response provided generic policy statements and confirmed the check was issued but did not explain : Why the banker initially refused the check despite sufficient funds in my savings account. 
What past transactions supposedly justified this refusal a question the banker could not answer at the time. 
Why my earlier customer service call was not properly documented. 
How they are addressing the emotional distress and hardship caused by this incident. 

They also declined any compensation or meaningful apology and did not explain what steps will be taken to ensure other customers are not treated this way in the future. 

I am still requesting : XXXX ) A clear explanation of why my request for a cashiers check was initially refused. 
XXXX ) A formal written apology that directly acknowledges the unprofessional conduct and the stress it caused. 
XXXX ) Details about how Wells Fargo plans to prevent similar mistreatment and ensure branch staff handle urgent customer needs with respect and clarity. 
XXXX ) Appropriate compensation for the emotional distress and hardship I experienced. 

I am asking the CFPB to help me get a proper resolution, as Wells Fargos initial response did not address or resolve the main issues at all. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief