vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report Because my privacy rights have been violated, I am demanding the company block and remove the inquiries from my consumer report not later than 4 business days after such information i provide. Inquiries : BANK OF AMERICA, 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-29 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:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Complaint Against Wells Fargo for Unjustified Credit Line Reductions and Improper Notification, Requesting assistance from CFPB for an expedited resolution. 

On XX/XX/XXXX, a {$50.00} transaction on my Wells Fargo credit card was declined. Upon investigation, I discovered Wells Fargo had unilaterally reduced my credit limit to the current balance, without prior notice or valid reason. This action directly caused the decline. 

I immediately contacted customer service. No explanation was provided, and my request to reinstate the credit line was denied unless I consented to a hard credit inquirydespite my longstanding relationship as a cardholder since XXXX and banking customer. This is unacceptable, as an inquiry would have further negatively impacted my credit score. 

Wells Fargo customer service claimed a mailed notice was sent on XX/XX/XXXX. Today is XX/XX/XXXX, I have not received a notice, nor is XXXX days a reasonable timeframe to meet " proper notification of adverse action '' definition. Furthermore, after investigation of my credit profile, the credit limit reduction occurred on XX/XX/XXXX, XXXX day after the alleged notification was mailed. This fails to meet the requirements for timely and proper notice of adverse action under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 

I then checked my second Wells Fargo credit card and found the same unauthorized limit reduction had occurredagain with no delinquency, no over-utilization, and no justification and NO notification. Both cards were well under 35 % utilization and in good standing. I called Wells Fargo customer service back to request they reinstate the second account as well, leading to the same response and no resolve, other than they will register my complaint and review and get back with me in XXXX business days, which is not acceptable as this needs immediate attention. 

The damage is immediate : -My credit score dropped due to increased utilization, although this was due to reduction in the credit lines -This could trigger cascading limit reductions from other creditors, resulting in further reduction in credit score - My professional reputation is now at risk, as my career depends on maintaining excellent credit.

Wells Fargos conduct violates consumer protection standards and reflects negligent and harmful credit reporting practices. Reducing limits without valid cause or proper notice, especially for customers in good standing, is both irresponsible and predatory. These actions must be investigated, and stronger regulatory oversight is needed to prevent future harm to consumers.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a reconsideration of a denied fraud claim associated with my Navy Federal Credit Union account. I am currently an XXXX XXXX service member and have been a loyal member of Navy Federal for XXXX almost XXXX years. 

On * * XX/XX/year> * *, I received a phone call from what appeared to be Navy Federal Credit Unions official number : * * XXXX * *. This immediately gave the call credibility. The caller began the conversation in a manner entirely consistent with legitimate communications Ive received from NFCU in the pastthey asked for my * * full name and date of birth * * to verify my identity.

After confirming my identity, the caller informed me that there were * * two credit cards * * and * * XXXX XXXX loans * * fraudulently being opened in my name. The individual then escalated the call to a person claiming to be an XXXX representative. Under pressure and convinced that I was cooperating with a legitimate investigation, I was instructed to move funds in a manner I now know was part of the scam. 

At every point in the conversation, the callers used language and processes that mimicked real bank fraud protocols. I was manipulated into believing I was protecting my account and cooperating with Navy Federal to prevent further unauthorized activity. I was deceived with * * social engineering tactics * *, including * * caller ID spoofing * *, * * a believable storyline * *, and a coordinated impersonation of a third-party entity.

I reported the fraud to Navy Federal on the * * following day, XX/XX/year> * *. Despite my prompt report, my fraud claim was denied, which I respectfully request be reconsidered. I acted in good faith, under the belief that I was protecting my account. As a service member, financial readiness is essential not only to my personal well-being but also to my ability to serve effectively. 

I am requesting a full investigation into this matter, along with a reconsideration of the claim denial based on the unique and deceptive nature of this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am a victim of identity theft and have submitted an official Identity Theft Report to the FTC ( Report XXXX : XXXX ). I have no affiliation with the following fraudulent accounts that are now appearing on my credit report, and I did not authorize or open any of them. 
The fraudulent accounts include : 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  ) These accounts were opened fraudulently and are damaging my credit. I have contacted the credit bureaus to have them removed, but they have not been blocked or deleted, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ).

I am attaching my FTC Identity Theft Report and request that the CFPB ensure the involved companies and credit bureaus remove the fraudulent information from my file.

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 2025-05-29 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: MD

Complaint narrative:
The XXXX major credit reporting agents are reporting unauthorized fraudulent inquiries on my credit report. Please see attached dispute letter and ftc report.

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 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this formal complaint against Midland Credit Management ( MIDLANDCREI ) for their continued reporting of inaccurate, unverified, and outdated derogatory information on my credit report. Despite multiple disputes, Midland has failed to provide sufficient documentation or validation of the alleged debt. 
Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681e ( b ) mandates that data furnishers and credit reporting agencies maintain maximum possible accuracy.- 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed items within 30 days.- 15 U.S.C. 1681s-2 outlines the duty of furnishers to correct and update any incomplete or inaccurate information.

Midland Credit Management has failed to comply with these obligations. They have not provided the Method of Verification ( MOV ), including the original contract, itemized payment history, or legally required debt validation under FDCPA 809. Continuing to report unverified data constitutes a willful violation of federal law and has materially harmed my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Upon viewing my consumer credit report, I discovered some instances of late payments on an account for which I have always maintained a timely payment.Consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with upmost accuracy.I have never missed a payment on my XXXX XXXX XXXX  account.I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand these late payments. If unable to furnish such proof, I demand these payments be promptly updated, to reflect their true status as on time.As I have constantly upheld my payment obligations without delay.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Credit Acceptance Corporation for inaccurate and damaging reporting on my credit profile across XXXX or XXXX  credit bureaus ( XXXX XXXX XXXX XXXX ). Despite multiple disputes, this matter has not been resolved, and I am requesting immediate intervention from the Consumer Financial Protection Bureau ( CFPB ). 

The Core Issues : COVID-19 Waiver Misreporting : I was enrolled in a COVID hardship/waiver program through Credit Acceptance during the pandemic . Under this agreement, my payments were deferred or adjusted with the understanding that my credit would not be negatively affected. However, Credit Acceptance reported late payments during this period, which is not only inaccurate but contradicts the intent of federal COVID relief efforts, including the CARES Act.

Inaccurate Payoff Information : During the process of paying off this account, Credit Acceptance consistently provided incorrect payoff figures and misreported account details to the credit bureaus. This led to conflicting and damaging information being posted across my credit profiles, which is completely unjustified.

Lack of Validation or Response : I have submitted multiple disputes directly to Credit Acceptance requesting verification and correction. To date, I have received no documentation or explanation as to why the reported information remains unchanged. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am entitled to a thorough investigation and either proper validation or prompt correction. This has not been done.

Requested Resolution : Because Credit Acceptance has failed to provide valid documentation or rectify the inaccurate reporting, I am requesting that the entire Credit Acceptance tradeline be deleted from my credit reports with Equifax, Experian, and TransUnion immediately.

This accounts reporting is inaccurate, unverified, and misleading. It has caused ongoing damage to my credit score and financial standing. Per the FCRA, inaccurate or unverifiable information must be deleted. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am filing a formal complaint against CCB/XXXX for failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) in the handling of the account reported on my credit file. This account is being inaccurately reported by XXXX XXXX  and XXXX 

Despite my prior disputes, CCB/XXXX has failed to properly verify the accuracy of the data being reported, in violation of 15 U.S. Code 1681e ( b ), which requires the reporting of only accurate and complete information. Additionally, there is no documented proof that any reasonable reinvestigation took place, violating 15 U.S. Code 1681i. 

Furthermore, CCB/XXXX failed to fulfill their duties as a furnisher of information under 15 U.S. Code 1681s-2 by not correcting or deleting the inaccurate data and failing to conduct a proper investigation following notice from the consumer reporting agencies. 

Key Violations Identified : No adequate Method of Verification ( MOV ) provided.

No original signed contract or direct validation produced.

Failure to respond to my prior written disputes.

Continued reporting despite unresolved inaccuracies.

This account is currently marked Closed and Current, yet shows a 30-day late notation, which is misleading and inconsistent with my payment history. Additionally, the account classification has changed across bureaus ( medical vs. charge account ), which further indicates inaccuracy and lack of uniform verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I did not give TD Auto Finance permission to view my report. This is against my rights as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
In XXXX 2025, a XXXX late payment was reported by Provident Bank on my mortgage account. The payment was delayed due to an autopay disruption that occurred while refinancing the loan through a title company. Unfortunately, the title companys processing delay caused a timing issue that interrupted the normal payment process. 

I contacted Provident Bank after the issue and explained the situation, and the loan was refinanced successfully that same month. I have since maintained responsible financial behavior and had no other issues with this or any other account. 

I requested a goodwill adjustment from Provident Bank to remove the late mark, as it was a one-time situation during an otherwise well-managed account. Despite my explanation and efforts, they refused to consider a removal. 

I am respectfully asking the CFPB to review this situation and encourage Provident Bank to offer a resolution, such as removing the negative reporting or reclassifying the mark, as a matter of good faith. This single late payment is having an outsized negative impact on my credit score, which I am actively working to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Complaint Date : XX/XX/year> Company : XXXX Portfolio Services Account Originator : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : Experian, Equifax, XXXX XXXX # XXXX Nature of Complaint I am filing this complaint due to XXXX XXXX XXXX ' continued reporting of a collection account to the credit bureaus that originated with XXXX, XXXX, without providing legally sufficient validation of the debt. Despite my repeated written requests, including a final notice sent on XX/XX/year>, XXXX has failed to provide proof of ownership, a signed agreement, chain of title, or a valid contract bearing my signature. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, 1681s-2, 1681i, and 1681n. 
Details of Violations XXXX. XXXX has failed to validate the alleged debt after multiple requests, including my final notice mailed on XX/XX/year>. 
XXXX. The documents previously sent by XXXX do not include a signed contract, proof of assignment, or lawful ownership of the alleged debt. 
XXXX. XXXX is willfully furnishing inaccurate and unverifiable information to the credit bureaus in violation of FCRA 1681s-2 ( b ). 
XXXX. I have attached SEC filings which indicate XXXX securitizes its receivables into a trust structure, making legal ownership by XXXX questionable or unverifiable. 
XXXX. XXXX has ignored my right to dispute and demand validation and has not ceased reporting despite lack of verification.

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 2025-05-29 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: Veros Credit, LLC
State: CA

Complaint narrative:
I noticed multiple unauthorized hard inquiries on my credit report that I did not initiate or approve. These inquiries negatively affect my credit score. I contacted the credit reporting agency and the companies listed, but the inquiries remain. I request that these hard inquiries be investigated and removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed multiple unauthorized hard inquiries on my credit report that I did not initiate or approve. These inquiries negatively affect my credit score. I contacted the credit reporting agency and the companies listed, but the inquiries remain. I request that these hard inquiries be investigated and removed as soon as possible.

Company response to consumer: Closed with explanation