vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: DISCOVER BANK
State: GA

Complaint narrative:
Called the credit card company and advised them that I had NOT applied for a credit card. This was fraudulent activity. They are to be sending a letter to XXXX  advising that it was not me applying for a card. I want this removed from my credit file since I was denied and I will take a hit on my credit since it was a Hard inquiry. I had received an alert from XXXX on the XXXX around midnight or XXXX am. I called the very next day to advise them. They could not find any activity listed. This XXXX, the XXXX, I received a letter from the card company denying credit. This is when I have started all of the phone calls and trying to have this resolved. 

Thank you, XXXX ( XXXX ) XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-24 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: TX

Complaint narrative:
I am formally disputing the late payment reported on my credit report. My records prove a consistent history of on-time payments, making this entry factually incorrect. This error unfairly damages my creditworthiness and misrepresents my financial integrity.

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 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My wife and I closed on our home on XX/XX/XXXX with a {$220000.00} mortgage. The terms that were conveyed to us stated that we would have the following mortgage terms : 1.99 % - Year XXXX 2.99 % - Year XXXX 3.99 % - Year XXXX 4.99 % - Years XXXX through XXXX Although our understanding the {$9200.00} in buydown monies paid at closing would reduce our interest, statements sent by PennyMac do not reflect any reduction in interest. The only reduction noted is a reduction of monthly payment, but this only reduces the principal applied to the account since we continue to see interest applied at 4.99 % on every statement. I have repeatedly questioned PennyMac representatives on this, but they can not explain the inconsistencies I have noted. My last request on XX/XX/XXXX included a full amortization schedule for the loan so I could see how and when the buydown funds are applied. Instead of receiving the amortization schedule, we received a " Verification of Mortgage '', which is of no assistance in understanding. I write to you today as our last resort in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is my second complaint about illegal cash advances of {$7400.00} dollars were made in my credit card account. My phone got stolen and bank account was hacked. Once that happened I notified WellsFargo about the illegal transactions that were being made. Immediately they froze my accounts but the cash advances already went through. The amount owned is still in my credit card account and interest are being charged monthly for a transaction I didnt not authorize. I have filed many complaints to them since this happened in XX/XX/year> but they pretty much washed their hands saying that I was aware of those transactions and nothing can be done. I have being calling them and they just keep transferring me from XXXX department to another. All they come up with is that Im responsible for those charges and nothing can be done. I can not file a police report because the incident happened in XXXX XXXX. I have send a written letter to the WellsFargo fraud department and I will continue sending them until they take responsibility and deal with this fraudulent charges. I continue filing a complaint against the bank until this issue gets 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 2025-09-24 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-09-24 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:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. Please see the attached letter for specific details. 

List account names and numbers XXXX. XXXX XXXX XXXX XXXXXXXX

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 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal dispute concerning an unauthorized hard inquiry that has been placed on my credit record. After careful review, I can confirm that I have never authorized this inquiry and that it does not correspond with any legitimate application or transaction initiated by me. The presence of this entry is harmful, misleading, and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my 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 explanation
Consumer complaint received 2025-09-24 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:
I am writing to formally dispute the fraudulent charged-off account that has been inaccurately reported on my credit file. I have never authorized nor incurred any debt associated with this account, and I do not owe any balance. The continued reporting of this erroneous account is not only false, but it is also a direct violation of the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and integrity of information reported on consumer credit reports.

Despite my previous disputes, this account remains unresolved and continues to appear on my credit file. This failure to correct inaccurate information is a clear violation of FCRA Section 611 ( 15 U.S. Code 1681i ), which mandates that all disputed information be fully investigated and corrected or deleted within 30 days if it is found to be inaccurate or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I requested a transaction history from the current mortgage company and was provided this. It shows the historical events where the company had misallocated or mismanaged funds in the escrow account. The records reflects funds being removed and paid out to unexplained locations. The company paid taxes twice to XXXX XXXX in XX/XX/year> and XX/XX/year> however XXXX XXXX does not report the additional payment. The mortgage company had multiple monthly payments maid to undisclosed entities to where my escrow account is no XXXX balance and my mortgage is increasing an additional XXXX, which will make my home unaffordable. I have attempted to resolve this matter with not resolve. There are three banks involved all which are under one umbrella. The brought and sold my mortgage amongst the different entities.

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 2025-09-24 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management is reporting a collection account on my XXXX credit report with account number XXXX, showing an original creditor of XXXX XXXX XXXX. I dispute this account because Midland is not the original creditor and has not provided proper debt validation as required under the FDCPA. This reporting is inaccurate, the balance is disputed, and it is negatively affecting my credit score. I am requesting that this collection account be deleted from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a verified victim of identity theft and I am filing this dispute under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, which requires that any information identified as stemming from identity theft be blocked within four ( 4 ) business days of receiving an identity theft report. 

Attached is my FTC Identity Theft Report XXXX. XXXX as official evidence. My credit report still contains fraudulent data that is destroying my creditworthiness. This is not a request for verification or updating this is a demand for immediate deletion. 

In addition, I previously mailed and faxed my dispute over 30 days ago, and the agency failed to provide any lawful response. This constitutes a direct violation of the FCRA and further confirms willful non-compliance. 

The following items are 100 % fraudulent and must be eliminated immediately : Fraudulent Account : 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/year> By law, these items must be blocked and permanently deleted. Any delay or refusal will be treated as a direct violation of the FCRA and will trigger legal action, additional CFPB complaints, and possible federal lawsuits.

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 2025-09-24 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: NY

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved.

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved into an apartment in XXXX XX/XX/XXXX. The unit had a raging cockroach problem and I was left without air conditioning for a month and a half. I asked multiple times for the rental company to provide me alternate means or at least install window screens so I can air out the unit at night. I have the emails of them refusing. I got XXXX code enforcement involved and the company was cited for uninhabitable living space. The company claimed I still owed them for terminating the lease early, although it's documented they provided me with an uninhabitable unit. I was forced to move out due to living conditions for the safety of myself and my support animal. I had to hire dog sitters to check on my dog throughout the day to make sure she didn't overheat in the Florida weather, which became unfeasible due to financial strain. They proceeded to report an unpaid debt which has negatively affected my credit and prevented me from finding a new apartment. I paid the debt under duress to avoid homelessness in XXXX of XXXX for the 50 % settlement but the debt continued to be reported as unpaid for a year without my knowledge. I received another letter in the mail about 15 months after I paid the debt asking to settle the debt again for 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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 2025-09-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-09-24 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: CT

Complaint narrative:
I am extremely frustrated to see that these inaccurate late payments are still being reported on my credit file today, even after refreshing my browser. This issue should have already been resolved, and I urgently demand that the documents I submitted be carefully reviewed so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved.

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valor Intelligent Processing, LLC
State: AZ

Complaint narrative:
Today XX/XX/year> at approximately XXXX, I am writing regarding repeated text messages that I and my daughter have received from this company concerning an old XXXX XXXX. Contacting my daughter about this matter is inappropriate, unacceptable, and constitutes harassment. 

I demand that they immediately cease all communications to all numbers they have on file for me. They are not authorized to contact my daughter under any circumstances. Please explain how their company obtained her phone number, as she has no connection to this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation