vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-19 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 writing to dispute the following charged-off accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Re : URGENT DISPUTE OF FRAUDULENT DEBT DEMAND FOR IMMEDIATE REMOVAL & FULL INVESTIGATION Account Holder : XXXX XXXX Alleged Collector : ProCollect , Inc . 
Amount : {$12000.00} Reason : Fraud / Never Lived at Property / Identity Theft To Whom It May Concern, I am submitting this formal complaint and dispute regarding a completely fraudulent debt being reported by ProCollect , Inc . I am demanding the immediate removal of this account and a full investigation into the validity of this claim.

I do not owe this debt. I have never lived in the apartment complex ProCollect references, and I have never lived in XXXX, Florida. I have documented proof of my residence history showing that I was not associated with the property in question. 
ProCollect has provided no evidence, no validation, and no documentation to prove this debt belongs to me. This reporting is a direct violation of the FCRA and FDCPA.

PATTERN OF MISCONDUCT BY PROCOLLECT My experience matches widespread reports from consumers, including : False or invalid debts Failure to provide legal debt validation Rude and aggressive conduct Illegal and unverified credit reporting Continued collection efforts after disputes Difficulty reaching representatives or receiving compliant documentation Over 340 XXXX complaints in the last three years DEMANDS FOR IMMEDIATE ACTION Immediate deletion of this false ProCollect account from XXXX XXXX XXXX XXXX Full investigation and review of my proof of residence Complete legal debt validation, including a signed lease, proof of residency, and itemized statements Immediate stop to all collection activity NOTICE OF LEGAL ACTION If this matter is not resolved immediately, I will pursue : A formal CFPB investigation A complaint to the Florida Attorney General A report to the Federal Trade Commission A detailed BBB complaint Appropriate civil actions under FCRA and FDCPA 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 2025-11-19 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: FL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Valon Technologies, Inc.
State: MO

Complaint narrative:
The prior escrow issue that they said was fixed is now reopen. The tax bill for my neighbors house is listed on my escrow and causing my payment to increase wrongly. Here is the email I sent on XX/XX/XXXX I am contacting you regarding a serious and ongoing error in the management of my escrow account, now impacting my upcoming XXXX payment schedule. 

As documented in my previous communications Valon erroneously paid my neighbors tax bill ( totaling {$3900.00} ) due to confusion between my physical address ( XXXXXXXX XXXX XXXX XXXX XXXX MO ) and the countys listed address ( XXXX XXXX XXXX  ). This error was acknowledged and refunded to my escrow account on XX/XX/XXXX. 

However, I just received a new Escrow Analysis ( dated XX/XX/XXXX ), and I was shocked to see that this same {$3900.00} tax bill has been re-included in my projected escrow disbursements for XX/XX/XXXX. 

This is the second time Valon has attempted to assign my neighbors tax liability to my account. 

I fully understand that the countys records still reflect an outdated address for my parcel, and I have been working with them to have it corrected. However, this has been the case since I purchased the home in XXXX, and nothing has changed since then. Valon has already acknowledged this address mismatch as the source of the error earlier this year so for it to reoccur again is entirely unacceptable. It suggests no flags or safeguards have been implemented to prevent further harm despite full documentation and months of escalation. 

As a result : My new escrow payment has been raised to $ XXXX My overall monthly mortgage payment has increased to {$3000.00} I now show a false escrow shortage of {$4200.00} I have attached screenshots of the analysis clearly showing : {$2000.00} and {$34.00} my correct parcel taxes {$3900.00} the incorrect neighbor 's bill I am formally requesting the following : Immediate removal of the {$3900.00} entry from my escrow analysis A corrected escrow projection and shortage calculation Confirmation that the true monthly payment will reflect only my property obligations Written assurance that this mistake will not appear in future projections I still have a formal complaint open with the Consumer Financial Protection Bureau ( CFPB ) and have copied the Missouri Division of Finance on this email. 

This level of negligence is unacceptable and impacts the financial stability of my family and the largest asset I own. I expect a full written response within the timeframe outlined by RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: VA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I am a federal employee who was promised a forbearance by my mortgage company Zions bankCorp., after I informed them that I was affected by the federal government shut down. They agreed to a 90 day forbearance and I relied on this promise and paid some other obligations. Then shortly thereafter, they retracted.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
I previously found a complaint and they responded saying they would send me the validation/verification of debt. I have not received anything and it has been over 30 days. This violates my rights under the fair credit reporting act and I would like this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was sent a unsolicited credit card from Wells Fargo Bank. It was listed as " Home Projects '' -XX/XX/XXXXwith an account number, and my name printed on the card.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-19 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: CA

Complaint narrative:
I am submitting this filing in relation to the following accounts that are currently being disputed. These disputes pertain to charged-off accounts, inquiries, positive accounts, and late payments. Below are the details of each disputed account, separated by bureau : Inquiries EXPERIAN BUSINESS CRED, Date : XX/XX/2024 Late Payments XXXX AUTO, Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Account Number : 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
CONSERVE is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSERVE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this filing in relation to several inaccurate and disputed accounts appearing on my credit report with the three major credit bureaus. Below is a detailed breakdown of each account that requires correction : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Claim XXXX XXXX XXXXXXXX Between XX/XX/year>, multiple unauthorized ATM withdrawals were made from my Bank of America checking account totaling over {$4200.00}. I did not authorize these withdrawals and my physical debit card was never lost, stolen, or shared. 

Timeline : XX/XX/XXXX The first unauthorized ATM withdrawals occurred. I was not aware until the next day. 

XX/XX/XXXX I received a Bank of America fraud-alert text asking if I authorized a {$2400.00} transaction.

I replied NO immediately. 
I was then contacted by Bank of Americas fraud department and spent over 4.5 hours on the phone reporting every unauthorized transaction.

During the call, I followed the banks instructions and cut my debit card in half and surrendered it to the driver they sent.

Throughout the day, I also received several Bank of America login verification codes that I did not request, indicating unauthorized attempts to access my account. 

XX/XX/XXXX XXXX Bank of America representative called and told me my card was now safe. 
Despite this, additional fraudulent ATM withdrawals occurred later that same day. 
I called again and reported the new unauthorized activity. 
The card was finally locked that evening. No further fraud occurred after that. 



Why I am filing this complaint Bank of America denied my fraud claim on the basis that the transactions were authorized. The denial is incorrect for the following reasons : 1.The banks representative stated that no fraud alert was sent, but I have a screenshot showing the fraud alert and my NO reply.

2.Fraudulent withdrawals continued after I had already reported the fraud and after Bank of America told me the card was secure.

3.I destroyed the physical card on the phone with the fraud department, yet fraudulent ATM withdrawals still occurred afterward. 4.I logged into my account during the fraud period only because Bank of America instructed me to monitor activity while we were on the phone for several hours.

5.Bank of America did not provide the evidence they relied on to deny my claim, despite my multiple requests.

I acted immediately, followed every instruction from the bank, provided full cooperation, and still suffered over {$4200.00} in losses due to unauthorized transactions and errors in the banks investigation.

I am requesting CFPB assistance to have Bank of America : Reopen and re-review the claim, Provide the evidence used in the denial, and Reimburse the unauthorized withdrawals under Regulation E.

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 2025-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FlexShopper, Inc
State: LA

Complaint narrative:
A company called XXXX contacted me on Monday, XXXX, XXXX, leaving a voicemail on my phone. They also contacted my children ( adult ) whom I never shared information to the company with. When calling the number they called from, there was no answer. When looking the number up, it claims to be a potential scam. Once, I contacted the XXXX number I asked for information they wanted. They advised it was a debt from XXXX and they were going to file action. They wanted my information to send a compliance officer to my home. They gave the amount, and when I asked for more information about the company -- address and an account manager ( representative was very rude and eventually hung up on me claiming she was not nor did she have to reveal this information. I called back two times and the third time, before I could even ask, the person on the other end said '' I am not discussing this with you anymore '' and hung up on me. Once again, one Tuesday, XXXX, XXXX, XXXX central time, I received a voicemail from the same number the original call came from, wanting my work address. Called it back -- -no answer. Called the XXXX number and they answered as " XXXX ''. Once again, I asked for verification of address, date they received the debt, and proof they were not a scam, as I can find no information on them. This company is very rude and refused to verify they are a legit company. Company phone number that calls is XXXX asking your physical address and to call XXXX. That is the number to XXXX ( at least how they answer the phone ). They also claim emails and letters were mailed to me. None of which I received, and will not provide proof of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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