vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of a collection account that has been reported on my credit file. The account in question is not mine and is the result of identity theft. I am a victim of fraudulent activity, and under the Fair Credit Reporting Act ( FCRA ), Section 609 & 611, I am requesting an immediate investigation and removal of this inaccurate item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe.

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-19 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Letters were sent to LVNV Funding LLC XX/XX/scrub>, 2025 from my lawyer asking for verification of accounts. Nothing was sent back saying accounts were mine and did not show accuracy. I have not interacted with this company. LVNV keeps sending me letters from 5 different accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Whom It May Concern : Transworld Systems. XXXX XXXX XXXX XXXX XXXX  XXXX This letter is in response to a collection on my credit report I received from your company Transworld Systems in the amount of {$290.00} regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of the alleged debt. 

I previously mailed a written request for validation on XX/XX/year>. 

Please provide the following information to validate the debt : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of the original signed agreement creating the debt ; 4. Verification that Transworld Systems is legally authorized to collect on this debt ; 5. A copy of the judgment 6. Your license number and the state where you are licensed to collect debt Until this information is provided, I request that all collection activity cease, as required by law. 

Please note that I am keeping detailed records of all correspondence for future reference. This is a good faith attempt to resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
Flood insurance was paid out of pocket to prevent lapse they did not pay in time. Valon mortgage later paid. The flood insurance sent reimbursement check to Valon mortgage instead of me they applied it to my negative escrow without permission and will not reimburse that money back to me. I choose to pay the negative amount in monthly mortgage payments which would be increased did not approve for them to keep my out of pocket payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Bright Capital Inc
State: NY

Complaint narrative:
I am filing a complaint because my credit report was illegally sold/shared with a third-party company without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), as I did not authorize or give permission for any company to access or obtain my credit report. I request a full investigation, removal of any unauthorized inquiries, and confirmation of which companies have accessed my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I dispute the inclusion of particular, unauthorized accounts in my credit history. Please undertake a thorough audit and excise these entries. Relevant evidence accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
I submitted a timely Validation of Debt request to XXXX XXXX XXXX regarding Account Number : XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$990.00} under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, LVNV FUNDING LLC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover XXXX keeps closing and opening this account. This is a fraudulent account. It is not mine. They are violating my rights and breaking the law. I want this account closed and taken off my account ASAP as you can see Im not opening closing this account. The account was a charge off and close years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  XXXX I received an email stating that my account with Experian XXXX being " unfrozen '' temporarily. I went to Experian 's website and was unable to log in because it requires 2-factor authentication and 1 ) the phone number associated with my email address had been changed to a number that was NOT mine, and 2 ) the answers to the security questions had been changed. They were no longer the answers I had chosen. 
I followed the instructions on Experian 's page and called the number for help. I then spent the next hour trying every possible phone number, request, and configuration of responses that I could imagine in order to get SOMEONE to help me. I succeeded in getting the freeze put back on to my account but was told it could easily be removed again, and when I tried to get my phone number changed back, I was unable to do so. I have tried every possible phone number for Experian and every possible phrase and set of buttons in order to get a person on the phone who can help me, and every time I get the AI and it just refuses to find a human and hangs up. Experian 's entire " customer service '' strategy seems to be to frustrate customers until they stop trying to call. Meanwhile, someone is breaking into my account and stealing my identity. In the time it takes them to read this and get back to us, we could have huge credit problems ( and our credit has always been excellent ) because they aren't doing their jobs. They need to actually provide security ( and part of that is enabling people to CALL and speak to them if their computers don't work! ) or close up shop.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I tried to open a XXXX  XXXX Account in branch at a PNC location in XXXX, XXXX  in XX/XX/year>. The banker told me that the amount to hold in the account to waive the monthly fee was {$30000.00}. I looked at my statement and instead of a XXXX  XXXX Account, a XXXX XXXX checking account was opened and I was charged a {$27.00} monthly account fee. I never consented to opening an account with an unavoidable monthly fee. I specifically asked for a XXXX  XXXX XXXX and was told that holding {$30000.00} would waive the monthly fee but I was mislead in the branch. This was a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I believe that my information was breached in one if not ALL of these recent data breaches. I have no knowledge of where but I do know that I personally didn't do Any not these to my credit. 
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 InstalXXXXment 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX, and I have been an American Express XXXX cardmember since XXXX. I am writing to escalate a serious issue regarding a promotional offer for the XXXX XXXX that I believe constitutes a " bait-and-switch '' tactic. 

On or around XXXX of XXXX, I received a mailed offer ) explicitly promoting an XXXX Membership Rewards point bonus after meeting specified spending requirements. However, when I attempted to apply using the provided instructions, the application portal only displayed an offer for a XXXX point bonus. 

I have attempted to resolve this through standard channels : I called customer service on XX/XX/XXXX and spoke with XXXX, who informed me that the case will be opened. 

I also sent a Secure Message with pictures of mail in offers ranging from XXXX to XXXX points and explaining that if it wasn't for false advertisement of XXXX offers, I would have applied for XXXX invite code, NOT the XXXX I was given at the end. 

This practice is deeply concerning and mirrors the allegations made in the recent XXXX XXXX American Express class-action lawsuit regarding the devaluation of points. Furthermore, it echoes the issues that led to the {$60.00} XXXX settlement in XXXX XXXX American Express in XXXX. 

As a loyal customer, I expect American Express to honor its advertised promotions. I am requesting that you either : Honor the original XXXX point offer as mailed, or Provide a detailed and satisfactory explanation for the discrepancy. 

I look forward to your prompt resolution of this matter. Thank you for your time and attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from First Tech Federal Credit Union stating that my personal loan application ( # XXXX ) was denied. The notice only said they were unable to approve [ my ] loan request at this time and that I would receive a letter within 30 days explaining the reason. 

This response is not compliant with the law. Federal law requires lenders to provide clear and specific reasons for denying credit, not just a vague statement. If a credit report was used, they also must provide the name of the credit bureau, my right to a free copy of the report, and instructions on how to dispute any errors. 

I requested that First Tech provide me with a specific explanation, copies of any documents with my signature, and to confirm if my credit report was used. They have not done so. 

This prevents me from understanding or correcting any issues that may have led to the denial. 



Resolution Sought : I am requesting that the CFPB : 1. Require First Tech to provide me with a clear, specific explanation for why my loan was denied. 
2. Confirm whether my credit report was used in their decision and, if so, provide the required disclosures. 
3. Provide copies of any documents with my signature that they relied upon. 
4. Review whether First Tech is following the law in how it issues loan denial notices to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist closed the account and it took over XXXX XXXX XXXX accounts and closed the account. Then they opened it back then they put it on my credit report and I want this taken off all that fraudulent activity on the account that is not mine. They have not validated the account with my signature on anything because it is not mine. I need it taken off my credit report ASAp

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-19 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: CA

Complaint narrative:
According to USC 1681g, these disputed accounts need to be located and eliminated within 15 days from notice.

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