vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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 applications or credit 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 an FTC 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 four ( 4 ) 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 unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Gurstel Law Firm , P.C . illegally garnished my bank account and froze it, despite the fact that the only funds in said bank account were all from SSI, a non-garnishable income.

They have not answered repeated calls and demands for the funds to be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have continued to pay for hazard and flood insurance on my property. Mr Cooper continues to assign additional hazard and flood insurance although the insurance I have provided is more than adequate. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have several properties, and I am very familiar with insurance and mortgage instruments. My wife and I have called dozens of times, and spent hours on the phone with customer service representatives who have no idea what they are doing or understand the products they are servicing. We have been charged for insurance we have already purchased for the property. We have not been refunded forced placed insurance premiums charged to our escrow account after multiple phone calls and uploaded satisfactory documentation. I believe Mr Cooper is engaging in rampant insurance and mortgage fraud to their customers. Their customer service representatives and even their own website are not transparent with the charges being levied to their clients, nor is the company making any progress to fix these issues. I have spent over 1 year in an attempt to fix this problem and I sincerely hope the CFPB can help and alert others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and the credit bureaus are refusing to remove fraudulent information from my credit reports even after I provided everything required by law. My FTC Identity Theft Report ( Report # XXXX ) clearly shows that the XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is fraudulent and does not belong to me. Despite this, Experian, TransUnion, and Equifax continue to report it on my credit file. 

COLLECTION- EXPERIAN XXXX My personal information was exposed in the Equifax XXXX breach, and I discovered several unfamiliar items on my reports as a result. I submitted the FTC report, proof of identity, and written disputes to each bureau, but they have not blocked the fraudulent account within the required four business days under 15 USC 1681c-2. Instead, the account continues to show inaccurate and inconsistent information across the bureaus, including wrong dates and unverifiable reporting fields. 

COLLECTION- TRANSUNION XXXX In addition, Equifax XXXX reporting an employer that I have never worked XXXX XXXX is incorrect and has nothing to do with my creditworthiness. I have disputed this multiple times, but they continue to report it even though they can not verify it. 

XXXX EQUIFAX XXXX I have cooperated fully, provided all documents, and followed every required step. The credit bureaus and data furnisher have not fulfilled their legal obligations under the Fair Credit Reporting Act. Their refusal to remove fraudulent and inaccurate data is causing harm to my credit and violating my rights as a consumer. 

I am requesting that the CFPB require Experian, TransUnion, and Equifax to immediately block and delete the fraudulent Credence account and remove the inaccurate employer information. I also ask that XXXX XXXX XXXX stop furnishing false data connected to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Iron Leaf Trl XXXX, Maryland XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Cease and Desist Request Ongoing Inaccurate Reporting by First National Bank of Pennsylvania Citing : 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am submitting this formal cease and desist request regarding First National Bank of Pennsylvania, who continues to report a repossession on my credit file even though the vehicle in question was sold, not repossessed. Their continued reporting is inaccurate, misleading, and damaging to my creditworthiness.

Despite multiple corrections and revisions, First National Bank of Pennsylvania continues to modify and alter their reporting across all three credit bureaus, resulting in multiple inconsistencies and erroneous entries. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1692c ( c ), I am requesting that they immediately cease all further reporting or communication regarding this inaccurate account. 

I request the CFPB investigate this matter, compel the furnisher to stop reporting false information, and require deletion of all inaccurate entries relating to this alleged repossession. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed a XXXX charge-off account ( account number XXXX ) with Experian earlier this year. The account was removed during the dispute process, but it has since been reinserted on my Experian credit report without Experian providing the required reinsertion notice, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ). 

The account shows a charge-off amount of {$4100.00}. The payment history shows severe delinquencies through XXXX and XXXX, and the account is currently reporting as a charge-off. 

Experian marked the item as previously in dispute investigation complete, reported by data furnisher, but they did not : provide a reinsertion notice provide documentation of their investigation provide any proof of how XXXX verified the account provide copies of the verification XXXX submitted I attempted to fix this with Experian, but they refused to provide verification or reinsertion documentation. The account continues to reappear and is damaging my credit. 

I am requesting that the CFPB require : 1. Experian to provide the required reinsertion notice and verification documentation XXXX. XXXX to provide the Method of Verification for how they confirmed this account XXXX. Removal of the account if the companies can not verify it according to the FCRA

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 2025-12-09 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: Creditors Adjustment Bureau, Inc.
State: CA

Complaint narrative:
PHONE CALL WAS FROM : ( XXXX ) XXXX Call back number : XXXX I received a phone call from an individual identifying himself as XXXX XXXX license XXXX claiming to represent Creditors Adjustment Bureau. He stated that a 2018 judgment against a company I previously worked for would result in my current contractor license being suspended. He also attempted to collect payment for a debt from 2018, which is outside the statute of limitations, and I am not personally liable for. 

He used false threats, misrepresented government authority by attempted to coerce payment by claiming my professional license would be suspended. The call appears to involve debt-collection fraud, impersonation, and misrepresentation of government/agency authority. 

I believe this was a scam and am reporting it for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted Consumer Portfolio Services ( XXXX ) to initiate a voluntary surrender of my XXXX XXXX XXXX XXXX ( Account # XXXX ). I was instructed to get offers from XXXX or XXXX and provide them to XXXX. 
On XX/XX/XXXX, I called back with the offer. XXXX informed me the offer was too low and that they would arrange to pick up the vehicle. I was told someone would contact me with pickup details, but no timeline was provided. 
On XX/XX/XXXX, I called again and spoke with a supervisor. I asked if I could drop off the vehicle to speed up the process. I was told this was not possible and that XXXX must pick it up. I provided the vehicle 's mileage and confirmed it was in working condition. 
On XX/XX/XXXX, I called again requesting a timeline for pickup. I was told XXXX has a " process '' but was given no specific date or timeline. 
It has now been nearly XXXX month since I initiated the voluntary surrender, and XXXX still has not picked up the vehicle. I can not afford to continue making payments on this vehicle, which is why I am surrendering it. 
Because of XXXX 's delay in picking up the vehicle, I missed the XXXX payment ( reported as 30 days late ), causing my XXXX XXXX to drop XXXX points. Another payment is now due in XXXX, and I can not afford to make it. This will result in another XXXX late payment being reported in XXXX, causing additional credit damage - all because XXXX has XXXX to pick up the vehicle for nearly a month despite my repeated attempts to complete the surrender process. 
The vehicle is secure, maintained, and available for pickup at my address. I have made myself available and have repeatedly contacted XXXX to complete this process. Their delay is causing me ongoing financial harm and credit damage. 
I am requesting that XXXX : Pick up the vehicle immediately ( within 7 days ) Provide me with a pickup date and tow vendor information Cease reporting additional late payments once the vehicle is recovered, given that their delay is preventing me from completing the surrender Consider a goodwill adjustment to the credit reporting given my proactive efforts to surrender properly and their extensive delay I initiated this surrender in good faith nearly a month ago. XXXX 's failure to complete their part of the process is causing unnecessary financial hardship and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
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 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Complaint : These accounts are being reported on my credit report with inconsistent and inaccurate information. I have never received any documentation, contract, or proof that these accounts belong to me. 

For Portfolio SYNCH : Appears only on XXXX  ( XXXX : {$590.00} ), not on TransUnion or Experian Dates conflict : Last Activity XX/XX/XXXX, Reported XX/XX/XXXX, Opened XX/XX/XXXX Status remarks contradictory : Consumer disputes after resolution and Collection account / Late 120 Days For Portfolio RC : Balances conflict : TU : {$590.00} ; EX : {$590.00} ; EQ : -- Dates conflict : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQ -- Status remarks contradictory : Dispute resolved; customer disagrees and Subscriber reports dispute resolved consumer disagrees These discrepancies make the accounts unreliable and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KY

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: OR

Complaint narrative:
This debt was regarding outstanding move-out charges for a rental property at XXXX XXXX XXXX XXXX, XXXX. I disputed the charges with the rental agency, XXXX XXXX over email in XXXX of XXXX. 

Our negotiations were unsuccessful and I moved to claim my deposit and dispute the charges in small claims court on XX/XX/XXXX, with a court date of XX/XX/XXXX. 

At the court date, XX/XX/XXXX my claims were partially approved, and Guardians counter claims of outstanding balance were denied. During the court appearance, the judge went through the list of charges and determined which ones were valid or invalid. 

The judge determined that XXXX XXXX owed me {$100.00} from my {$600.00} rental deposit, plus court fees. I received the check from XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received a derogatory mark on my credit report from IQ Data XXXX. I called them and spoke to a representative. I explained the situation as I have here, and sent them a copy of the court judgement. 

They did not release the debt, and wanted more information sent via post to their XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: HI

Complaint narrative:
An account is being reported under my name that does not belong to me. It has been mixed into my credit file and clearly belongs to another person. I never opened, authorized, or managed this account, and its presence is inaccurately portraying my payment history and creditworthiness. This mixed-file error is unacceptable and is causing significant concern about the integrity and security of my personal information.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am writing to dispute the accuracy of an account being reported by CAINE WEINER ( Account # XXXX ). I have never received any documentation, contract, statement, or proof that this account belongs to me. Until proper validation is provided, this account should not be reported to any credit bureaus. 

The reporting is inconsistent and inaccurate : Account balance : XXXX : {$270.00} ; XXXX  : {$270.00} ; XXXX  : -- Dates of last activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status remarks : Conflicting information such as Account information disputed by consumer and Consumer disputes this account information / Subject has not satisfied debt These inconsistencies show that the information is unreliable and can not be verified.

Company response to consumer: Closed with explanation