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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Back in XXXX of this year, I was in the process of buying a home. I called multiple insurance companies to get quotes to insure my home. The first company I called was XXXX XXXX at the recommendation of my loan officer. The quoted me something like {$6500.00} for the year. I told him that he was my first call and I was shopping around. I had given him my contact information, so he kept calling and emailing me signature links. I never responded nor signed anything. I called XXXX or XXXX other insurance companies and ended up going with XXXX. I kept getting calls from XXXX and told that agent that I went with another company. 

Then I started receiving letters and texts from a collection agency on behalf of XXXX and XXXX ( I guess the plan they were offering was through them, but I really don't know. I never spoke with anyone at XXXX ). The collection agency told me I owed over {$400.00}. I told them I never hired XXXX. They said I did, and I told them to show me where I signed the agreement that they kept sending me. I never received anything. This is because I never signed it because they were the most expensive insurance quote from the whole bunch. 

I believe this is a scam because if they genuinely want to insist that I had a deal with them, why did I never receive an email " confirming '' that I was insured? Why did they not ask me for my loan officer 's contact info so they can make sure that my insurance would be paid through the escrow account ( as these things are always done )? Because this was a scam and a shakedown to get a few XXXX dollars out of me and who knows how many other people. They even reported it to all credit bureaus which is why I am filing this. It needs to be removed from my credit. I owe them nothing. 

Contact info for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: TX

Complaint narrative:
The existing entry on my file presents an incomplete and inaccurate portrayal of my financial actions. I kindly ask for a formal review of the matter and any necessary adjustments to ensure the reports accuracy.

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 notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX reporting standards, and federal due-process requirements. LVNV is reporting a collection account on my XXXX  and XXXX  credit reports without ever providing required notice, validation, or proof of ownership. They never contacted me, never sent an initial communication, and never provided the federally mandated 30-day dispute window before furnishing derogatory information to the consumer reporting agencies. 

LVNV violated FDCPA 809 ( a ) by failing to send the initial written notice within 5 days of any alleged first communication. They violated FDCPA 809 ( b ) by continuing collection activity and credit reporting without providing validation. They violated FDCPA 807 ( 8 ) by reporting a debt to credit bureaus without proof, constituting deceptive credit reporting. They also violated FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information they can not verify and FCRA 623 ( a ) ( 3 ) by failing to correct or delete disputed information.

LVNV is reporting inconsistent and inaccurate data across bureaus, including conflicting Dates of First Delinquency ( DOFD ), misclassification of the account type, improper open/closed status reporting, and missing required fields. These errors violate FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ) and XXXX XXXX standards governing DOFD ( Field 28 ), Account Status ( Field 17A ), Payment History ( Fields 71/72 ), and Creditor Classification ( Field 11 ). No documents were supplied despite multiple disputes, violating the evidentiary duty established in XXXX v. TransUnion Corp., XXXX XXXX XXXX ( CRAs can not rely on automated responses ; furnishers must supply actual documentation ). 

LVNV has not produced a Bill of Sale, Purchase Agreement, Forward Flow Agreement, chain of title, contract, statements, DOFD verification, or any evidence of permissible purpose to obtain or furnish my information under FCRA 604 ( a ) ( 3 ). Furnishing data without ownership documentation violates FCRA 623. Their failure to respond to my validation requests and continued reporting despite these disputes constitute willful and negligent noncompliance under FCRA 616617.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and I noticed an inquiry that was not authorized by me. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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 when making payments — Problem during payment process
Company: Professional Claims Bureau, Inc.
State: FL

Complaint narrative:
I have a secured credit card from PCB ( XXXX  ) credit card company. First, I had my card stolen, so I request a new card to be sent back to my mailing address. Past forward, i have been calling to make payments since the end of XXXX. Each time I called, the answer machine goes to voicemail, I called so many times, and left 2 voicemail for them to call me back. So far, I still havent get my card in the mail, nor a call back but they are reporting me stating I am late on my payments when they are not reaching back to me nor mail my card out. 

PCB-

Company response to consumer: Untimely response
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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint because Equifax is reporting several inaccurate, incomplete, or unverifiable items on my credit report. I have attempted to dispute these directly with the bureau, but the information has not been corrected. I am requesting CFPB assistance to ensure my information is reported accurately under the FCRA. 
Charged-Off Accounts in Dispute ( Equifax ) The following accounts contain inaccurate information regarding dates, balances, ownership, or reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries in Dispute ( Equifax ) These inquiries were not authorized by me or do not meet permissible-purpose guidelines : XXXX XX/XX/XXXX XXXX. Late Payments in Dispute ( Equifax ) The following late payment entries appear incorrect or unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action ( Equifax ) I request a full investigation into each of these items. Any account, inquiry, or payment history that can not be completely verified by the original furnisher should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit reports from the three credit bureaus. Below is the detailed list of accounts and inquiries that I believe to be inaccurate or incomplete. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Credit Control, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am in receipt of your response stating that you are unable to address my complaint due to a lack of verification information. Your position is incorrect and does not align with your obligations under the Fair Debt Collection Practices Act ( FDCPA ). If your company is attempting to collect a debt from me, then you already possess the identifying information necessary to validate the alleged account. Under the FDCPA, a consumer is entitled to receive validation of an alleged debt before being required to disclose additional personal information. Your request for my Social Security number, full date of birth, or other sensitive personal identifiers is neither required nor appropriate for the purposes of responding to a validation request or complaint. It is your responsibility to ensure you are contacting the correct consumer prior to any collection activity, and therefore you should already have the identifying data for the account you claim is associated with my name. I again request that you provide the required debt validation documentation pursuant to 15 U.S.C. 1692g, including but not limited to : 1. The name of the original creditor, 2. The amount of the alleged debt, 3. Proof of your companys ownership or right to collect the debt, and 4. A complete account history showing how the amount was calculated. Until proper validation is provided, you must cease all collection activity and reporting, as required by law. Please respond accordingly. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Response to Wells Fargo Case # XXXX Incorrect Claim of Altered Deposit Amount. 
This is in response to Wells Fargos letter dated XXXX XXXX, 2025 regarding case number XXXX, and CFPB case XXXX. Wells Fargos explanation contains factual inaccuracies and contradicts their own account actions and transaction records. The check I deposited was for {$35000.00}, not {$14000.00}, I have original evidence including, A clear photograph of the cashiers check issued by XXXX XXXX XXXX  for {$35000.00}, The Wells Fargo deposit receipt confirming the same deposit was made for {$35000.00}. 
These documents prove beyond question that the check deposited was XXXX, not XXXX. 
If the check were truly for only {$14000.00}, then Wells Fargo would not have credited my account with {$35000.00}, Wells Fargo would not have made more than {$14000.00} available, Wells Fargo would not have allowed me to spend the amount down until the balance was {$14000.00}, Wells Fargo would not have waited months before claiming the check was altered. The banks own crediting and availability of funds confirm they processed the check at {$35000.00}. 
This statement is incompatible with the documented facts Wells Fargo never would have released {$35000.00} if the deposit had been {$14000.00}. Wells Fargos own deposit receipt shows the transaction was accepted as {$35000.00}. The remaining balance at the time of closure ( {$14000.00} ) is not the amount of the check, it is the balance after transactions Wells Fargo permitted. It appears Wells Fargo is now attempting to represent the remaining balance as the original deposit amount, which is factually incorrect.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I ordered a part in XX/XX/year> for my car that was being developed. During the payment process I was offered to pay the {$320.00} by making 4 payments of XXXX through Affirm. I accepted since there was zero interest. When the product arrived in XXXX. It wasn't made up to spec. I returned to XXXX XXXX for refund. XXXX XXXX didn't refund. I then disputed with XXXX credit card and they ruled in my favor on XX/XX/year>. However, Affirm continues to ask for payment. I called Affirm today and they stated that they don't care that citi ruled in my favor and they said a 120 day window to dispute this with them is over and I owe them {$320.00}. I feel it is ridiculous that they say they have no relationship with the vendor or XXXX card and I took a loan through them and I must pay or I will have collection and bad credit. This feels like a scam to me.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Information Solution Inc 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. This fraudulent, inaccurate, and false information consists of XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX  - XXXX {$8100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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