vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: ResidentCollect, Inc.
State: NY

Complaint narrative:
I am disputing the accuracy and validity of the Innovative Recovery account ( Acct # XXXX ) due to multiple Metro 2 and FCRA violations. This collection tradeline fails to meet Metro 2 Collection Agency reporting standards by omitting critical fields, including the Original Creditor Name, Date Assigned to Collection, and Collection Agency License Information, all of which are required for compliant furnishing. Furthermore, Innovative Recovery has reported this debt without providing proper validation or proof of ownership, constituting a violation of FCRA 1681s-2 ( e ), which prohibits the furnishing of unverified or inaccurate information. The absence of documentation confirming the agencys legal authority to collect or verify the debt renders this account unverifiable and materially misleading within my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Attempts to collect a debt that does not belong to me. I don't recognize the debt. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
I am writing to report identity theft and to demand removal of a fraudulent account appearing on my credit report. I did not open, authorize, or consolidate the account identified above and I do not owe this debt. I request that you immediately investigate and permanently remove ( or block ) this fraudulent account from my credit report and cease any collection activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX is attempting to collect a debt from me that was originally a credit card from XXXX. They gave a payoff amount of {$4000.00} on the XXXX of XXXX due by the XXXX of XXXX, when the closing didn't happen and they were asked for a new payoff letter they came back with {$5500.00} due by the XXXX and could not explain the reason for the increase in cost and were unreasonable and unwilling to negotiate a settlement

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I would like to file a complaint against XXXX for a total transaction amount of {$1800.00} from XXXX XXXX XXXX. The company has been debiting my account from XXXX XXXX XX/XX/XXXX for {$130.00}. The amount that was debited each month from my account was a cruise scheduled for XX/XX/XXXX, that I canceled with XXXX XXXX on XX/XX/XXXX. The total refund that should be returned to my account is for {$1800.00}. XXXX is holding the monies because they said they paid XXXX an amount of {$2400.00} and XXXX has only returned to them {$1800.00}, which is my portion. XXXX is refusing to credit my account until XXXX pays them the full amount of {$2400.00}. The agreement between XXXX and XXXX, should not hold up my refund being credited to my account. I am requesting these funds returned to my account because my cruise has been canceled with XXXX cruise line as of XX/XX/XXXX. XXXX advised the refund should be returned to my account with XXXX business day and then on XX/XX/XXXX, advised they have no control over how soon the funds would be credited back. I have been going back and forth with each party and the blame is being put on the other company. I am the consumer and demand my money back into my account. XXXX XXXX XXXX XXXX XXXX party that XXXX XXXX uses to payoff cruises in full and they debit your account month to cover the payment. I will never use these merchants again or cruise with XXXX cruise line. I am owed a refund of {$1800.00} and XXXX XXXX is literally sitting on my money and XXXX is making XXXX effort to ensure my funds are returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Ive been going back and forth with XXXX regarding being reviewed for forbearance or other mortgage assistance. This process started shortly before XXXX, and as of XXXX, I still have not received a clear response or decision on my application. 
However, the weekend before XX/XX/XXXX, I received a credit alert notifying me that my mortgage was reported as delinquent with a late payment. This was shocking and confusing, because from the very beginning of my application review, XXXX removed my ability to make a payment in the online portal. I had no option to make a payment even if I wanted to. 
I dont understand how I can be reported late when I was under an active review and was unable to pay due to PennyMacs system limitations which they acknowledged. When I called to ask why I was reported delinquent, they told me this is normal and opened an internal investigation, but this doesnt make sense and feels like a violation of federal mortgage servicing rules under RESPA and Regulation X. 
I am requesting a formal review of this conduct, correction of my credit report, and confirmation that no further adverse actions will be taken while I remain under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: AZ

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 2025-10-21 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: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. These inquiries do not correspond to any credit applications or loan requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), once a valid identity theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within XXXX ( XXXX ) business days. This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 

Despite providing my police report and full documentation, the following unauthorized hard inquiries remain on my Equifax credit file : XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these inquiries was made without permissible purpose under FCRA Section 604 ( 15 U.S.C. 1681b ). Their continued presence constitutes an unlawful disclosure of my credit information and a breach of my privacy rights under federal law. 

The ongoing appearance of these inquiries has harmed my credit score and raised serious concerns about the security of my personal information. It is unjust for me to suffer damage to my creditworthiness due to unauthorized access that I did not initiate, consent to, or benefit from. 

I have acted in good faith by filing a police report, collecting evidence, and contacting the bureau directly. However, no corrective action has been taken. I am therefore requesting the CFPBs intervention to ensure compliance with the Fair Credit Reporting Act and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: WA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/year> 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 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX Date : XXXXXXXX XXXX Date : XXXXXXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$4300.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-10-21 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX pm Called XXXX Comenity Bank - XXXX of XXXX. 

XXXX used and owed : {$4700.00} they are trying to collect : {$5600.00}. 

Stopped payments due to XXXX XXXX started by end of XXXX - XXXXXXXX XXXX XXXX XXXX  on XXXX. Struggle with health XXXX, XXXX. Struggle with medical bills XXXX, XXXX and XXXX. 


I spoke to XXXX from Collections, he was very rude, he would not let me talk, explain or even look at my account to verify payment history to confirm I was a good customer. 
" I want to pay '' I said. " I want to avoid filling for bankruptcy '' to what he said " You might have to filled for bankruptcy, you have a responsibility to pay now, that might be your best option '' I request for him to look at my statements, 'that was back them, not now '' I said, I can't afford not paying for housing for me and my kids, " well you still have to pay and that's your responsibility '' I requested to speak with someone else because he was rude and had bad customer service. XXXX said : " I am not customer service, I am in collection '' I told him : " you would not even let me talk '' Him : " I am on my job, I don't have time '' I am open to talk to the bank but not with XXXX. I have XXXX  years of customer service experience, even to collect a debt you at least have to listen. 

The bank calls me multiple times a day even XXXX, they harass me constantly with their message of taking legal matters. 

I can't afford payments more than {$100.00} a month. I should not be charge for all the late fees and interest 1st because i have called to settle payments but they refused or want to charge me a nonpayment, and 2nd I have prove that I was a great customer making payments more than once a month, they should take in consideration that when a customer gets ill but is willing to pay, they should charge what the customer used. 

I have never being treated so bad by any other financial institution. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I dispute the accuracy of entries reflecting accounts I never opened. Please perform a complete investigation and eliminate them. Evidence is enclosed.

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 2025-10-21 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:
Please remove this unauthorized inquiry from my credit report, as I have no affiliation with the listed creditors. I request immediate correction to ensure my reports accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting for XXXX XXXX ( Acct. # XXXX ) Dear Equifax, I am disputing inaccurate reporting of XXXX XXXX, account number ending in XXXX. 

Disputed Issues : Account reflects continuous delinquency since XXXX without proper balance updates. 

Shows {$2000.00} past due for multiple years without accurate activity. 

XXXX is misleading, suggesting nonpayment without proof of validity. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher must not furnish information it knows or should know is inaccurate.

FCRA 609 ( a ) ( 1 ) : I am entitled to the original signed contract and complete payment history.

FCRA 611 : Credit Bureaus must conduct a reasonable reinvestigation.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
They are saying I owe money no dates, no places, names on the paperwork are not me. It says original amount XXXX they are trying to to collect XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
This account originated with XXXX XXXX and became delinquent in XX/XX/XXXX. 

Credence Resource Management has re-aged the account to an open date of XX/XX/XXXX. 

I have disputed this account three times through credit bureaus, but the furnisher failed to correct the error.

This violates the Fair Credit Reporting Act 623 ( a ) ( 5 ).

Their misrepresentation has directly caused a credit denial citing recent delinquent credit.

I request immediate correction or deletion of the account and CFPB oversight of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Around 2013, Wells Fargo repeatedly increased the credit limit on my credit card without my consent or request. These unsolicited increases caused the account to exceed its limit and eventually be closed by the creditor. I was never consulted or notified in advance about the changes. I believe this practice was predatory & unfair and contributed to lasting negative effects on my credit report. I am asking for this issue to be reviewed for accuracy and fairness in reporting.

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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
During a review of the account, because of a system issue, we identified that we assessed fees on this account that we shouldnt have.

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 2025-10-21 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: VA

Complaint narrative:
This letter is a formal dispute and request for reinvestigation of the following items listed on my TransUnion report. The reporting violates multiple provisions of federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. 
Items for Dispute : 1. XXXX XXXX XXXX o Status : Collection, Open o Original Creditor : XXXXXXXX XXXX o Violation : FCRA 607 ( b ), DOFD inconsistencies, failure to validate under FDCPA 809, Metro 2 field violations. 
2. XXXX Credit o Status : Derogatory, Charge-Off o Violation : Account status does not reflect correct charge-off balance ( {$0.00} ) under Metro 2. Violates FCRA 607 ( b ), and Metro 2 Guidelines Section 1.2-1.3. 
3. XXXX XXXX o Status : Closed with late payments o Violation : FCRA 611 ( a ) ( 5 ) ( A ) - Inconsistent payment history. 
4. Hard Inquiries : o XXXX XXXXXXXX XXXX - XX/XX/XXXX o XXXX XXXX XXXX - XX/XX/XXXX o Violation : No corresponding authorized accounts. Violates FCRA 604 ( a ) ( no permissible purpose ).

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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