vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems reported a XXXX collection account to my credit reports that does not belong to me. I was never contacted by Southwest Credit prior to this reporting and did not receive any initial written notice required under FDCPA 1692g. 

After this account appeared, I contacted XXXX directly. A XXXX executive advised me that XXXX does not collect Social Security numbers when opening accounts and stated that this could be a case of mistaken identity. Because the account can not be tied to my Social Security number, Southwest Credit does not have a permissible basis to report this debt as mine. 

I dispute this account in its entirety and request that Southwest Credit provide written validation, including proof of notice, authority to collect, and documentation showing that I am responsible for this account. I am requesting immediate removal of this collection from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: TX

Complaint narrative:
In XX/XX/year>, I submitted a formal notice to vacate the apartment I was renting in XXXX, TX. At that time, I had only XXXX month remaining on my lease, which was set to expire at the end of XX/XX/year>. 

I made it clear that I was leaving due to ongoing unsafe conditions, including frequent power outages and a XXXX of XXXX red-tag violation posted on the building. The red-tag cited serious electrical code issues, including exposed wiring, broken junctions, and missing electrical panel spacers across all three buildings. These conditions made the property uninhabitable. 

Despite this, the landlord is now claiming that I failed to provide a 60-day early notice a requirement typically meant for lease renewals or early exits. However, my lease was already coming to its natural end, and I should not be penalized for refusing to remain in an unsafe, code-violating building. 

I completed a final walkthrough with a building representative and returned the keys on XX/XX/year>. No damages were cited, and I made my reasons for leaving fully transparent. 

Nevertheless, a collection account for {$6900.00} was reported by COLLECTTECH and is now showing as delinquent on my XXXX  credit report. This account was opened without my consent, and I dispute the entire amount. 

The landlord failed to provide a habitable residence as required under Texas Property Code 92.056, and the attempt to use a lease technicality to justify financial retaliation is unacceptable. I am requesting that this collection entry be removed entirely and that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Continue to get repeated calls to my XXXX plus year old fathers telephone and other telephone calls which are robocalls sometimes hang ups live calls to numbers related to me the debt has aged out as the statute of limitations to make a claim has expired. Cease and desist purge this record re account XXXX as alleged debt XXXX We lack knowledge of this debt or any debt from a previous debtor and repeatedly reported this to Cavalry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting for a credit card account opened approximately two years ago. 

The original credit limit on this account was no more than {$300.00}, and I believe it was closer to {$200.00}. I used the account up to the credit limit and later fell behind on payments. 

I understand that late fees and interest may be applied ; however, the account is now being reported with a balance exceeding {$600.00}. This balance appears unreasonable and disproportionate to the original credit limit. 

Typically, credit card accounts are charged off or closed after extended delinquency, and fees should not continue to accumulate indefinitely beyond the original credit limit. I have not received documentation that clearly explains how a balance more than double the original credit limit was calculated. 

I am requesting that the creditor provide a complete and accurate accounting of the balance, including a breakdown of all fees and interest assessed. If the balance can not be substantiated, I request that the reported amount be corrected to reflect an accurate and lawful balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX RE : Notice of Willful Non-Compliance and Demand for Immediate Deletion of Unverified Records I. Formal Dispute of Inaccurate Records I am formally disputing the following records in my Early Warning Services ( EWS ) consumer file. These items are inaccurate and, as admitted by EWS in writing, can not be verified. 



XXXX XXXX  ( XXXX XXXX XXXX ) Dispute Case ID : XXXX. 



XXXX XXXX XXXX Dispute Case ID : XXXX ( Account : XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Dispute Case ID : XXXX. 




XXXX XXXX Dispute Case ID : XXXX. 



XXXX. Demand for a New Investigator and De Novo Review EWS has repeatedly issued boilerplate responses claiming that my disputes " do not offer new or additional information ''. This demonstrates a failure to conduct a reasonable reinvestigation as mandated by 15 U.S.C. 1681i. 



I demand that a new, senior-level investigator be assigned to this case. 



This investigator must perform a manual, de novo review of the facts, ignoring previous automated and incorrect determinations. 


XXXX. Formal Rebuttal Statement ( Pursuant to 15 U.S.C. 1681i ( b ) ) If these items are not immediately deleted, I demand that the following statement be included in any future consumer reports : " Early Warning Services stated in writing on XX/XX/2025, that they 'do not have access to [ authorization ] documents and therefore [ are ] unable to provide them '. Under the FCRA, an agency must delete any information that can not be verified. EWSs admitted lack of documentation proves they can not fulfill their legal duty to verify this data. I demand immediate and permanent deletion. '' IV. Legal Requirements and Statutory Notice Failure to remove these unverified items constitutes a violation of federal law : 15 U.S.C. 1681i ( a ) ( 5 ) : If an item is found to be inaccurate, incomplete, or can not be verified, the agency must promptly delete it from the consumer 's file.

15 U.S.C. 1681e ( b ) : EWS is required to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n & 1681o : Provides for civil liability, including actual and punitive damages, for willful and negligent non-compliance. 


V. Final Action Required I am requesting that the CFPB compel EWS to fulfill its legal obligation to permanently delete these records immediately. EWS has already admitted they do not have the documentation required to verify these accounts ; therefore, they have no legal authority to continue reporting them. 





Sincerely, ( XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for a conventional mortgage refinance with Bank of America in XX/XX/year>. 

As part of the application, Bank of America required a new full property appraisal, for which I paid an appraisal fee of approximately {$1200.00}. This appraisal was completed with an effective date of XX/XX/year>, and returned a valuation of approximately {$1.00} XXXX. 

This valuation differed significantly from a prior full appraisal completed for a refinance with XXXX on XX/XX/year>, which valued the same property at approximately {$1.00} XXXX. The two appraisals were conducted less than two months apart, with no material changes to the property or market conditions during that period. The variance of approximately {$100000.00} materially impacted my refinance eligibility. 

I formally submitted an appraisal challenge to Bank of America, including multiple comparable sales and referencing the recent XXXX appraisal, which supported a higher valuation. The appraisal challenge was denied. The response did not address several of the specific comparable sales I provided, nor did it explain why a substantial valuation difference from a recent appraisal by another major lender was considered reasonable. 

As a result of the denied appraisal challenge, my refinance application could not proceed solely due to Bank of Americas internal loan-to-value ( LTV ) requirements, after I had already incurred non-refundable appraisal costs. I am concerned that the appraisal dispute process lacked substantive review and transparency, given the short time gap and large valuation discrepancy between two independent appraisals. 

I am requesting a review of whether Bank of America followed a fair and reasonable appraisal dispute process and whether the handling of the appraisal and associated fees was appropriate under these circumstances.

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 2025-12-24 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: FL

Complaint narrative:
Account : XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Last Activity : XX/XX/XXXX Status : Sold ; Charged-off Chronology conflict Account continues reporting activity after closure with unverifiable dates. 
Reporting can not be verified without prohibited re-aging.

Violation : FCRA 623 ( a ) ( 5 ) Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/year> I initiated payment to Chase by adding a bank account that had enough funds to cover the entire balance of my Chase credit card account. Chase instead charged the previous account I had been using which had insufficient funds to cover this month 's balance. After receiving notification that the payment failed I messaged Chase, told them they were in error and not to charge the same bank account again in accordance with Regulation E and not to apply any fees or interest to my account. They replied with a template response, then attempted to charge the same account that had insufficient funds and applied fees and interest to my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I discovered that one or more consumer reporting agencies are reporting adverse, inaccurate, and unverifiable information on my credit file after my personal identifying information was compromised through a known data breach affecting consumer reporting systems. 

On XX/XX/year>, I sent a formal written notice of data compromise and dispute to the consumer reporting agency, advising that because my identifiers were exposed, any verification process relying on those identifiers is legally unreliable. In that notice, I invoked the agencys obligations under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and identity documentation, the consumer reporting agency continued to report numerous negative tradelines, collections, and inquiries without providing original source documentation, a lawful method of verification, or evidence of a manual reinvestigation. Instead, the agency relied on automated or boilerplate processes, which do not satisfy FCRA requirements or CFPB guidance for a reasonable investigationespecially where the integrity of the consumers identifiers has been compromised. 

Because the agencys systems rely on exposed identifiers, it can not certify the accuracy of the information it continues to publish. This ongoing reporting has caused continuing credit harm and financial injury. 

In summary, the consumer reporting agency failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after receiving notice of dispute, and Delete or block unverifiable information tied to compromised identifiers, in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I discovered that one or more consumer reporting agencies are reporting adverse, inaccurate, and unverifiable information on my credit file after my personal identifying information was compromised through a known data breach affecting consumer reporting systems. 

On XX/XX/year>, I sent a formal written notice of data compromise and dispute to the consumer reporting agency, advising that because my identifiers were exposed, any verification process relying on those identifiers is legally unreliable. In that notice, I invoked the agencys obligations under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and identity documentation, the consumer reporting agency continued to report numerous negative tradelines, collections, and inquiries without providing original source documentation, a lawful method of verification, or evidence of a manual reinvestigation. Instead, the agency relied on automated or boilerplate processes, which do not satisfy FCRA requirements or CFPB guidance for a reasonable investigationespecially where the integrity of the consumers identifiers has been compromised. 

Because the agencys systems rely on exposed identifiers, it can not certify the accuracy of the information it continues to publish. This ongoing reporting has caused continuing credit harm and financial injury. 

In summary, the consumer reporting agency failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after receiving notice of dispute, and Delete or block unverifiable information tied to compromised identifiers, in violation of the Fair Credit Reporting Act.

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 2025-12-24 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: FL

Complaint narrative:
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 Chronology conflict Debt buyer continues updating a collection account years after opening without a verifiable original Date of First Delinquency. 
Reporting can not be verified without prohibited re-aging. 

Violation : FCRA 623 ( a ) ( 5 ) Delete

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Notified by XXXX that my credit bureau account had new information and my credit score had dropped. A new Wells Fargo credit account had been opened on XX/XX/year> without my knowledge or authorization and now appears on my credit reports. Next, another Wells Fargo checking account and accompanying debit card were opened on XX/XX/year> without my knowledge, until I received them in the mail. These accounts do not yet appear on my credit report. Reporting this to Wells Fargo, they also located an unauthorized business deposit account and two cards, opened under my name, without my knowledge or authorization. I am assured by Wells Fargo that all of these known fraudulent accounts are either closed or on hold during investigation. Nine separate departments at Wells Fargo were required to address the variations of account types involved in the fraud from their organization, ( Specialty Card Dept, Online Security Dept, General Credit Card Dept, General Credit Online Security, Identity Theft Team, Business Account Department, Fraud Department, etc. ) Unfortunately I can only arrange to have the hard credit check removed from my credit report by contacting the Fraud Department. They have been closed for the last two days, and I'm told they won't be back until sometime after XXXX. 

I am meticulous about protecting my privacy and physical and online information, have software security and maintaining an excellent credit rating ( which has now been downgraded to very-good ). I've put a freeze on my credit bureau reports, It took XXXX hours of direct phone contact to get bounced between departments until I landed in the ( hopefully ) nine correct departments. Hopefully, I will receive the results of their investigations ( 45 days ) and I will be able to track down their Fraud Department sometime to have the hard credit check removed from my credit report. 

I am always cognizant of the possibility of identity theft, and try to take all the precautions. ( No, I don't even click on links ) Somehow this has happened to me now, and I won't know if it's resolved for some time.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I tried getting in touch with the company because my information on my credit score is reporting that I have an account with them. I call them and they say I dont have anything. I have never had services with any of this companies therefore I tried to call the company to do a dispute and I cant even do that because Im not even in file so you guys need to remove this from me for my files cause the company cant even help me out because they say theres nothing in there for you to dispute but yet then again it shows on my credit as accurate. I tried to dispute it with XXXX and they put it back in my score like accurate and its Not Thank you for your attention.

Company response to consumer: Closed with non-monetary relief