vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$770.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$800.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$430.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> CURRENT Attn XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Direct Dispute and Intent to Litigate Not My Account Account Number : XXXX To Whom It May Concern : I am submitting a direct dispute because the above-referenced account is not my account and is being reported inaccurately and/or without proper verification to the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ) and its implementing rules, you are prohibited from furnishing information you know or should know is inaccurate ( 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) ), and upon receiving a dispute you must conduct a reasonable investigation and refrain from further reporting the disputed information unless and until it is verified ( 15 U.S.C. XXXX ( a ) ( XXXX ) & ( a ) ( XXXX ) ; XXXX XXXX XXXXXXXX Dispute Rule ). If a CRA has notified you of my dispute, you must also comply with your reinvestigation duties under XXXX XXXX. XXXX ( b ). 

Because this is not my account, I hereby demand that you : XXXX. Cease furnishing this tradeline to all consumer reporting agencies and request its deletion from each bureau ; and XXXX. Provide me, within XXXX days of your receipt of this letter, with competent documentary evidence tying me to this account ( e.g., the original signed contract, full application data, IP/device logs for any e-signature, itemized statements, and chain of title ). Absent such evidence, you must permanently delete the tradeline and notify all CRAs of the deletion. 

Notice of Intent to Sue : If you continue to furnish this account, fail to conduct and document a reasonable investigation, or reinsert the information after deletion without proper certification, I will treat that as a willful and/or negligent violation of the FCRA and pursue civil remedies under 15 U.S.C. XXXX and XXXX, including actual, statutory, and punitive damages, plus costs and reasonable attorneys fees. I also reserve the right to file complaints with the CFPB, my State Attorney General, and any other appropriate regulators. 

Please send your written findings, the method of verification, and confirmation of deletion to my address above. If you contend this account is mine, provide the full evidentiary basis for that claim as described above. Otherwise, immediately delete and update all CRAs you have furnished. 

This is a good-faith effort to resolve this matter without litigation. You have XXXX  days from receipt of this notice to comply. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Government ID, Social Security Card, Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/XXXX, XXXX Portofio Recovery Associates LLC ( PRA ) filed a default judgment against me for {$3000.00} Without providing proper notice of the lawsuit. 

XX/XX/XXXX - I received notice of the lawsuit and PRA 's attempt to collect in court. I responded to PRA, mailing a Notice of Dispute and Request for Debt Validation letter, and filed copies of my Answer with the XXXXXXXX  Court. 

XX/XX/XXXX - PRA received/signed for the letter. Never responded and is still attempting to collect ; which is a violation of federal and state consumer protection laws. 

XX/XX/XXXX - I appeared in court with a PRA representative. I told the judge that, given the XXXX  years ago, failure to properly receive notice of the lawsuit, and no response to my validation letter, I don't know what the amount is. 

PRA continues to sue me without providing any documentation from XXXX or prior. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-05 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: SC

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 2025-09-05 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: SC

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-05 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: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice an account that I am not familiar with. I have requested validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach, and a 605b attachment.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against TransUnion, LLC for refusing to allow me to submit a dispute regarding inaccurate information on my credit report. 

On multiple occasions, I have attempted to dispute incorrect information appearing on my TransUnion credit file. However, TransUnion has repeatedly blocked or denied my attempts to submit the dispute through their online system. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which requires consumer reporting agencies to investigate disputes of inaccurate or incomplete information. 

In addition to denying me access to a dispute process, TransUnion has a documented history of data breaches, which further raises concerns about the accuracy and integrity of the information they maintain on consumers. As someone directly impacted, I believe their refusal to accept my dispute is negligent and unlawful.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have credit card accounts and other things that were open without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: LA

Complaint narrative:
My vehicle, financed through Global Lending Services, was involved in a bankruptcy case that was later XXXX. Following the XXXX, Global Lending Services repossessed the vehicle and sold it. 

At no point was I provided with a written notice of intent to sell the vehicle prior to the sale, nor did I receive any post-sale notice informing me of when the sale occurred, the sale price, how the proceeds were applied, or how the alleged deficiency balance was calculated. 

On XX/XX/year>2025, I received a text message instructing me to contact Global Lending Services. When I called the same day, I was told for the XXXX time that the vehicle had been sold and that I allegedly owed a deficiency balance because the sale price did not cover the loan balance. This was the first and only time I was made aware of the repossession sale or any alleged balance due. 

As of today, I still have not received any written documentation regarding : The intent to sell the repossessed vehicle, The results of the sale, or An accounting of how the deficiency balance was calculated. 

My understanding is that creditors are required by the Uniform Commercial CXXXXe ( UCC ) and state law to provide these notices. Since Global Lending Services failed to provide me with this information, I believe they may have violated my consumer rights. 

I am requesting that the CFPB investigate Global Lending Services handling of my account, ensure that they provide the required documentation, and determine whether they have the legal right to pursue collection of the alleged deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our mortgage company is PHH Mortgage Services and is current and in good standing. 
Our home burned down in the XXXX XXXX on XX/XX/year>2025 and we plan on rebuilding ( we are almost ready to go for permits ). 
We made a claim with our insurance company and after much haggling, got the full payout. 
Those checks ( about XXXX of them ) were sent to us with both our names and PHH Mortgage 's name on the checks because we have a mortgage balance of approximately {$330000.00}. PHH Mortgage ( through XXXX ) sent us back some of the money from the insurance company however, they are holding on to approximately {$440000.00} which is MORE than what is owed on the mortgage. 
According to California State Law, they are only allowed to hold on to the amount equal to the principal mortgage. 
I have spoken to XXXX different people at XXXX over the past XXXX  days. first I was told I needed to get a settlement letter from the insurance company. When I finally was able to speak to a supervisor, she said she would take care of it and she did. Then she said she would process the refund. 
Today I got another call saying that until I upload a copy of our plans, they would not send us the refund. 
They are conflating XXXX issues. IF I was making a claim for any of the {$330000.00} they should actually be holding, then I would be happy to provide them with whatever documentation they need. BUT I am asking for a refund for money THAT THEY ARE ILLEGALLY HOLDING which is the difference between our principal mortgage balance and the money they have. I SHOULDN'T HAVE TO PROVIDE THEM WITH ANY DOCUMENTATION! 
I have also written them a letter demanding that the money be returned and the balance ( {$330000.00} ) be put in an escrow account earning interest ( XXXX XXXX, America 's greatest governor, just signed a law making this a requirement ). 
Please help me get the money back and have the balance put in an interest-bearing account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau Equifax XXXX XXXX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A local business posted an ad that prompted me to " enter to win '' a portrait giveaway, and doing so led to my entanglement with a charge that I do not approve. 
The XXXX payment was temporarily credited to my Wells Fargo checking account, then later reclaimed. Doing so caused my account to be negative by over a XXXX dollars, which I do not feel to be a fair consequence. For that reason, I am reaching out to the CFPB to request assistance. Please help me reverse this charge, as I do not approve the transfer of any money to this company, and I do not think it is right for myself or my finances to suffer the consequences of this deceptive, misleading advertisement by the business that posted it.

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 2025-09-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquiries on them and I need them removed immediately.

Company response to consumer: Closed with explanation