vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
These accounts are not mine and must be taken off within 15 days as required by USC 1681g.

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 2025-12-03 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: TN

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX v. TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX v. TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: OK

Complaint narrative:
I called Americollect today. They verified my information and I told I had no idea what the debt was for and she asked for my credit card because she said the system they used needed me to pay them. I told her I wasn't paying them for information they already had, she kept trying to talk over and the last thing I heard was her saying that's our system and you have to pay, I said no and hung up. I didn't even get a letter from them just several voicemail a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a text message and email from Wells Fargo about fraudulent charges being made to my account and to response yes or no if these are my charges. Responding no resulting in " invalid command '' and to call them directly. While I was on hold additional charges were made against my account from XXXX. I worked with the rep to get my claim setup ( Claim # XXXX ) and was informed that they would need 10 days to review my case. After 10 days went by they never reached out to me and closed my claim. When I looked at the status I noticed they closed the original XXXX and opened another claim XXXX which was immediately closed. I contacted Wells Fargo to get an update on what this means as my money wasnt returned to my account and they claimed that the case was closed due to " no money leaving the account. '' The new rep reviewed the case and confirmed again that money did leave my account so she reopened my case and stated that someone will reach out on Monday or Tuesday ( XXXX ) and that if no one calls to call them back on Wednesday ( XX/XX/XXXX ) No one from Wells Fargo reached out so I contacted them again on XX/XX/XXXX and the rep stated that the case was under review and they have everything they need to move forward however, in the same breath he stated that they still need 10 days to continue the " investigation. '' I requested that this claim be escalated as I have already waited and this claim was incorrectly closed on the Wells Fargo side. The rep stated they could add a note to review the case earlier due to it being reopened but there was nothing else they could do. 

As of XXXX the claim is still open and the status hasn't changed. I called the claims center again and spoke with a new rep trying to get an update as I am still without my money and have no idea if I will be getting it back despite not making these charges. The rep stated that the claim is still open and can see that a note was added to review the claim as it was reopened but no one has started to work on the claim. I again asked for assistance with getting this resolved and was met with " we need 10 days to review '' I asked again for further escalations as I have already waited the 10 days and it claim was closed due to their error. The rep stated that theres nothing they can do and they will require an additional 10 days to review the case.

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 2025-12-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I HAVE DISPUTED THE ACCOUNTS AND FILED MY FTC REPORT AS I WAS APART OF A DATA BREACH WHICH MY INFORMATION WAS WRONGFULLY ACQUIRED.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I never received or activated this credit card. On XX/XX/XXXX, before the card was ever in my possession, an unauthorized transaction occurred at a XXXX store in XXXX XXXX for {$280.00}, while I was physically in XXXX, North Carolina. 
Prior to this, on XX/XX/XXXX, a {$300.00} debit adjustment appeared on my account, which I did not authorize. On XX/XX/XXXX, I saw a {$10.00} credit adjustment related to this issue. 
I discovered the problem when a fraud alert popup appeared in the Bank of America mobile app. 
The bank later sent me a replacement card, which I opened in front of a bank teller and immediately cancelled ; the teller destroyed the card. 
I am requesting an investigation into how multiple transactions and adjustments occurred on a card that I never received or activated.

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 monetary relief
Consumer complaint received 2025-12-03 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:
I am a consumer working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Inquiries XXXX XXXX XXXX, XX/XX/year> Late Payments 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 2025-12-03 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Valon Technologies, Inc.
State: AZ

Complaint narrative:
In early XXXX, I had already notified XXXX XXXX  that I would be paying off my loan on XX/XX/XXXX. Later, my mortgage was transferred from XXXX XXXX  to Valon Mortgage, effectively on XX/XX/XXXX. I requested to pay off my loan with Valon on XX/XX/XXXX, but they said their system has not yet finished the transfer process, so they can not generate my payoff statement. I believe it is my right to pay off my loan at any time, regardless of any mortgage transfer between companies. In this case, I am suffering from accumulated interest for many days, until XX/XX/XXXX. Is it legal for a mortgage company to hold my account from payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act.

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law.

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes. 

Account : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to your reporting of the alleged account listed above. I dispute this debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). 
This is not a refusal to pay. This is a request for validation and verification. 
I request that you provide the following documentation : Proof of your legal right to collect this debt, including a complete chain of title from the original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, to LVNV Funding LLC. 
A complete itemized breakdown of the amount claimed ( {$1500.00} ), including principal, interest, fees, and an explanation of how the total was calculated. 
A copy of the original signed contract or agreement bearing my signature. 
A copy of all statements or billing records from the original creditor. 
Verification that the debt is within the statute of limitations for collection in my state. 
Proof of your license to collect debts in my state, including license number and issuing authority. 
Until you provide the requested validation, you must cease all collection activity, including reporting or updating this account with any credit reporting agency, as required by FDCPA 809 ( b ).

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting information that is inaccurate or unverified.

FCRA 611 ( a ) requires deletion of information that can not be verified.

If you can not provide proper validation, you must immediately delete this account from all credit reporting agencies. 
Please send all requested documentation to the address listed above. 
I expect your response within the legally required timeframe. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2025-12-03 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:
I am submitting this formal complaint regarding multiple inaccurate items being reported by the credit reporting agencies and the furnishers listed below. These errors are causing significant and ongoing harm to my credit profile. 

1. Wrong / Fraudulent Addresses Being Reported The following addresses are not mine, and I have no connection to them. Their presence on my credit report is a violation of FCRA 602 ( A ) and raises severe identity-based concerns : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address I am requesting immediate investigation and permanent removal of these incorrect addresses. 

2. Inaccurate Late Payments Per my instruction and factual statement : I have never made a late payment on any of these accounts, and the payment history being reported is false, harmful, and violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ). 

The furnishers below are reporting false late payments : XXXX XXXX XXXX Opened XX/XX/XXXX High Credit {$0.00} Late Payment ( incorrect ) XXXX XXXX Multiple Incorrect Late Payments : XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) XXXX Opened XX/XX/XXXX Late Payment ( incorrect ) These negative marks are false, and I am demanding correction of all inaccurate payment histories. 

XXXX. Charge-Off Account I Do Not Recognize Per my standing instruction : I have no knowledge of this account, and it is being falsely attributed to me. 
This violates FCRA 1681i & 1681s-2. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Charge-Off I am requesting full deletion of this unrecognized charge-off account. 

Requested CFPB Action I respectfully request that the CFPB : Investigate the reporting furnishers and involved credit bureaus. 

Require them to correct or delete the inaccurate data as mandated by federal law. 

Ensure compliance with FCRA accuracy standards and prevent further reporting of false or unverified information. 

These errors have caused significant financial and personal harm, and I am asking for immediate intervention to restore the accuracy of my credit profile. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation