vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX BANK XXXX XX/XX/XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: OR

Complaint narrative:
On XXXX XXXX my bank card was frauded XXXX. XXXX from a XXXX transfer and XXXX from XXXX purchases. XXXX purchases were caught by wells fargo and contacted me. The XXXX one I reported back to them on the XXXX. Charge for XXXX. It was obvious fraud cause of the other charges but after 2 months they denied my claim. They said since XXXX delivered it which never happened that it was authorized. Wells Fargo told me it was a electric cat litter box and provided a tracking. Also said it was punched by XXXX XXXX with my card. My card says XXXX XXXX, I dont own a cat and tye tracking said delivered to mailbox which a litter box couldn't fit. I just want my money back! Wells Fargo says they cant do anything.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX  -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Debt Collection Failure to Validate Debt / Continued Collection Activity Company : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Current Alleged Owner : LVNV Funding LLC On XX/XX/year>, I sent XXXX XXXX XXXX a certified dispute and debt validation request regarding an alleged debt they claim to be collecting on behalf of LVNV Funding LLC ( original creditor : XXXX XXXXXXXX ). XXXX received and signed for the letter, as confirmed by USPS return receipt.

Despite being legally obligated under the FDCPA to cease all collection efforts until the debt was validated, XXXX sent me a follow-up collection notice via email on XX/XX/year>. They have failed to provide any of the required documentation validating the debt, including a copy of the original signed agreement, an itemized accounting, proof of ownership, or evidence that they are licensed to collect debts in California. 

This behavior constitutes a clear violation of 15 U.S.C. 1692g ( b ), as well as deceptive conduct under 1692e. I am requesting the CFPB investigate XXXX XXXX XXXX for continuing collection activity without validation and potentially threatening to report inaccurate information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I was contacted by PennyMac regarding an FHA XXXX XXXX. After agreeing to move forward, the terms discussed included bringing one months payment to closing. I locked in my interest rate at 5.99 %, and they estimated a closing date of XX/XX/XXXX. 
After locking my rate, communication from PennyMac was minimal. For three weeks, I received little to no updates. Despite repeated calls, my loan officer did not return any of them. I attempted to get clarity by speaking with the processing team, but they seemed unsure of the situation. 

Since XX/XX/XXXX, Ive been receiving emails indicating I would need to bring more cash to close. Every time I spoke with my loan officer prior to that, he reassured me that I only needed to bring one months payment. He told me not to worry and that he would figure it out. 

On XXXX XXXX days before the estimated closingI received a call informing me I would now need to bring two months of payments due to an alleged system error that failed to include the current months payment. When I challenged this and requested to speak with a manager, I was finally connected with one ( XXXX ) after a 45-minute wait. 

XXXX told a different story : that the increase wasnt due to a missed payment, but because my escrow went up. Even then, he admitted that the new amount still didnt add up. When I pressed further, he asked if I really expected to make only one month 's payment to close an FHA loan, implying that the original loan officer was wrong. I pointed out that this meant I had been misled. His response : Ill coach him not to say that again, which didnt address the core issue. 

I asked XXXX to review the call recordings where I was repeatedly told I would only need {$3700.00} to close. He dismissed the idea, saying he wouldnt listen to four hours of calls. Eventually, he offered a refund of the {$250.00} I paid to lock in the rate. 

This entire experience feels like a bait-and-switch. I strongly suspect theyre attempting to get out of honoring the 5.99 % rate I locked in. Changing the terms this close to closing, providing inconsistent explanations, and refusing to review recorded calls only confirms my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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.

Complaint narrative:
Ive been working very hard for the past years to ensure I have a good credit history in order to get approved for a mortgage. During an in-depth reviewed of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure 100 % accuracy. Here is the account I am asking you verify as accurate : TransUnion Account Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Last Reported : XX/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 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Goverment Efficiency ( DOGE ) to gain access to multiple internal + systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-05 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
I respectfully request the removal of the following hard inquiry from my credit report : This inquiry was reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). This credit transaction did not involve an extension of credit to me, the consumer, nor did I authorize it. However, it appears that my information was used in connection with this inquiry without my consent. 

XXXX XXXX XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Please Remove Lendmark Financial from my credit report. This information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am filing this complaint on behalf of the consumer regarding inaccurate, inconsistent, and misleading reporting of a CarMax Auto Finance auto loan across all three credit bureaus ( XXXX XXXX XXXX XXXX ), in violation of the Fair Credit Reporting Act ( FCRA ). 

CarMax Auto Finance has been reporting different payment histories to each bureau for the same account : XXXX shows 2 missed payments ( XXXX and XX/XX/year> ). 
XXXX also shows 2 missed payments for the same months. 
XXXX, however, shows only 1 missed payment ( XX/XX/year> ). 

Despite this, all three bureaus report the account as Currently on-time, which is misleading given the recent delinquencies. AdditionallyXXXX XXXX displays a comment stating : Completed investigation of FCRA dispute consumer disagrees, yet the account remains inaccurately marked with late payments, and no correction was made. 

This inconsistency demonstrates a failure to : Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
Conduct a proper reinvestigation after a dispute under 15 U.S.C. 1681i.

Correct or delete inaccurate or unverifiable information as required by 15 U.S.C. 1681s-2 ( b ). 

The consumer previously submitted a written dispute to all three credit bureaus and the furnisher ( CarMax Auto Finance ) on or about XX/XX/year>. To date, no adequate resolution has been provided. The tradeline remains inconsistent, and the negative impact on the consumers credit score is ongoing.

We request that this inaccurate reporting be corrected immediately across all credit bureaus, with all late payments removed unless properly verified and reported consistently. If they can not verify the accuracy uniformly, the information must be deleted. 

Supporting documentation is available upon request, including screenshots of each bureaus reporting and the dispute letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts bellow have violated my rights.

15 U. S. C. 1681 section 602A states I have the right to privacy.

15 U.S. C. 1681 section 604 A section 2 : It also states a consumer reporting agency Connot furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of infotmation, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years Delete the accounts below XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX bank : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Someone put a cellphone service in my name. It is a bill for the XXXX XXXX XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-05 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation