vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
b'I am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX Any other name variation  must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file isXXXX XXXX XXXX Michigan XXXXXXXX   Any other addressesincluding but not\nlimited to: XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX  Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for This Dispute: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In early XXXX I noticed that XXXX fraudulent charges were on my Target credit card services account. The charges were as follows : XXXX XXXX XXXX XXXX {$11.00} XXXX XXXX XXXX XXXX  {$76.00} My credit card number was canceled and I was issued a new card with a new number, but I was told by the Target credit card company that I had to wait to dispute the charges until they were on my next received bill. When I received my bill, I called Target credit card services on XX/XX/year>, to dispute the charges. I was transferred to the fraud department and was told that I would be sent a dispute form in the mail. I received the dispute form and mailed it back immediately on XX/XX/year>, in the envelope that was provided to me. 

On XX/XX/year>, I called Target credit card services because my payment was due and I did not want to pay the fraudulent charges. I asked the representative to suspend the charges so I would not have to pay them and so I would not be charged interest on them. The representative named XXXX from Target Account Review told me that he had suspended the charges and I would not have to pay them during their investigation, which could take XXXX - XXXX days. I proceeded to pay my bill in full, minus the XXXX charges. 

When I received my next bill in the mail, not only had the charges NOT been suspended but I had been charged interest on my entire bill because the full bill balance had not been paid. On XX/XX/year>, I called Target credit card services and was transferred to the fraud department. I expressed my concern about the charges not being suspended and that I had now been charged interest fees on the entire bill. The person I spoke to told me that no one there can suspend the charges and that there is no process for suspending charges. I expressed my concern that I had been told during my last call that the charges would be suspended but the representative repeated that there are no processes for that and he was trying very hard to end the call. 

I have never in my life had such a hassle and issue disputing charges on a credit card. Every other credit card company I have dealt with has always accepted my dispute on the first call or allowed me to do it online, has suspended the charges, and has done an expeditious investigation. Target credit services expects me to pay all the fraudulent charges, then " hope '' that they come to a conclusion in my favor in XXXX days. The people answering their phones are all foreigners who are clearly reading from a script, promising they will do something that the next person says is impossible to do because they do not have those processes in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
CFPB Complaint against XXXX Good Morning CFPB, RE : Follow-up to complaint XXXX I am filing a complaint regarding predatory lending and inaccurate credit reporting. The creditors extended to me during a period of financial hardship under unfair and abusive terms. The accounts continue to be reported to the consumer reporting agency without lawful verification. 

Despite written dispute sent directly to the creditors and to the credit reporting agency, no original documentation has been produced to validate the account. 

The following accounts are predatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts violate the fair credit reporting act, including 15 U.S. C. {$1600.00}, 611, 623, and 616-617, and constitutes unfair and deceptive practices.

I am requesting immediate deletion of the accounts, correction of my credit file, and written confirmation of compliance. 

Sincerely, 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing a collection account reported in connection with a XXXX auto insurance policy. The reported balance is inaccurate and not owed. 

In XX/XX/year>, after my vehicle was stolen and later recovered with damage, I contacted XXXX to discuss the claim. During that call, XXXX asked whether other licensed drivers lived in my household. I stated that my parents lived in the household but had their own insurance and that I did not authorize adding them to my policy. I explicitly refused permission to add them and stated I would cancel my policy if they were added. 

Despite this, XXXX later added my parents as drivers without my consent. On XX/XX/year>, I received conflicting premium change notifications on the same day : one reflecting an approximately {$800.00} decrease and another reflecting an approximately {$85.00} increase. 

XXXX XXXX XXXX reached out to XXXX on XX/XX/year> with a cancellation date of XX/XX/year>. XXXX responded on XX/XX/year> that my insurance was successfully cancelled on XX/XX/year>. They stated that a refund of approximately {$200.00} would be issued. 

On XX/XX/year>, I was notified that an adjusted balance of approximately {$450.00} was overdue. XXXX stated this balance resulted from drivers being added to my policy and my alleged failure to submit an exclusion form for drivers I never authorized to be added. 

I disputed the charge with my bank, and the transaction was refunded. After the refund and policy cancellation, XXXX generated a retroactive adjusted balance and placed the account into collections. 

I disputed the collection with the credit reporting agencies. The account has been removed from at least one credit bureau, while Experian continues to report the collection as disputed by consumer, demonstrating inconsistent reporting of the same alleged debt. 

This balance arose from unauthorized policy changes and billing errors, not from nonpayment of a valid, agreed-upon obligation. I am requesting correction of records and removal of the collection from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding my mortgage servicers improper force-placed flood insurance charges and failure to provide required documentation, in violation of federal mortgage servicing and consumer protection laws.

My mortgage servicer states that it purchased a flood insurance policy on my behalf and has been charging my escrow account for this policy. However : 1, The servicer can not produce the policy, declarations page, insurer name, policy number, or effective dates.

2. The servicer claims it paid my condominium association for flood insurance coverage, but the HOA has confirmed in writing that no such payment was received.

I am being charged premiums for insurance coverage that may not exist.

Flood insurance coverage already exists through the condominium associations master policy, and no individual unit policy was required under my loan documents.

Despite written requests, the servicer has failed to provide proof of coverage or proof of payment.

This conduct appears to violate RESPA and Regulation X ( 12 C.F.R. 1024.37 ) governing force-placed insurance, which require servicers to : Have a reasonable basis to believe coverage is lacking, Provide proper written notice, Purchase only valid insurance coverage, and Refund charges for any insurance that is duplicative or improperly placed.

Charging escrow premiums without the ability to produce a valid insurance policy constitutes improper force-placed insurance, escrow mismanagement, and potential misrepresentation of insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/year> lvnv funding collections, left a garnishment packet with a random employee at my work.... then who just left it on a table in waiting room.... my personal information was then available for anyone to see along with all my coworkers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
This Item for {$1200.00} was purchased by a third -party Debit Collector by XXXX XXXX XXXX XXXX This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the third-party debit collector. 

As you can see by my attached credit report and highlighted issues. This information IS NOT CORRECT and NOT accurate, therefore it must be deleted immediately. 

The account name is XXXXXXXX XXXX XXXXXXXX. How much did the collection company pay for this item? 

I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA, as this is not accurate or complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) continues to report negative information on two alleged XXXX XXXX credit card accounts, with balances of approximately {$690.00} and {$810.00}. I previously disputed these accounts and submitted a formal complaint, asserting that the debts are : 1. Time-barred under applicable statutes of limitations.

2. Inaccurately reported, including errors in the Date of First Delinquency, Date Opened, and Date of Last Activity. These errors may constitute impermissible re-aging, which artificially extends the reporting period and misrepresents the age of the debt.

3. Unsupported by competent validation, as PRA did not provide a signed agreement, complete payment history, or documented chain of title proving lawful ownership or accuracy of the balances.

PRAs response claimed to verify the accounts using business records provided by XXXX XXXX, but did not address the specific re-aging issues or provide documentation sufficient to validate the debts. Despite notice of these inaccuracies, PRA has continued to furnish the tradelines to consumer reporting agencies without correction or deletion. Their investigation did not meet the reasonable investigation standard required under federal law.

I am requesting regulatory assistance to : Require PRA to permanently delete these tradelines from all consumer reporting agencies.

Ensure PRA ceases all collection activity related to these accounts.

Correct any internal records that reflect inaccurate dates, balances, or ownership information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
From : XXXX XXXX XXXX XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2025 Re : FORMAL FCRA DISPUTE VALIDATION DEMAND UNAUTHORIZED INQUIRIES INTENT TO SUE ( {$10000.00} ) APPLICABLE CREDIT LAWS Governed by FCRA, 15 U.S.C. 1681 et seq., including 1681e ( b ), 1681i, 1681b, 1681n, and 1681o. 

I. ACCOUNTS TO BE UPDATED/ DELETED Ally Financial Correct balance to {$16000.00} XXXX Provide contract, DOFD, payment history Dept. of Education / XXXX Remove duplicates, validate balances II. UNAUTHORIZED INQUIRIES XXXX XXXX XXXX ( duplicate ) Provide signed authorization or delete immediately. 

III. DEMAND FOR FULL VALIDATION Pursuant to 15 U.S.C. 1681g & 1681i, provide full verification and method of verification. 

IV. INTENT TO SUE Failure to comply will result in legal action seeking up to {$10000.00} under 1681n & 1681o. 

V. REQUIRED ACTION Investigation results Validation proof Updated report Inquiry authorization Sincerely, 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 2025-12-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXXi Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX Any other addressesincluding but not limited to : XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX XXXX the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Comerica
State: AR

Complaint narrative:
When I was XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  from XXXX the XXXX XXXX until XXXX the XXXXXXXX XXXX I was asked to send in paper work stating those facts and sending them additional information while being detained I couldn't reach out to any government places from being locked up in jail and sending them a letter stating and such I was refused my XX/XX/year> benefits for retirement that was stolen off my direct express card by them saying it was 120 days past the time I was supposed to been called I couldn't call because I was XXXX but I couldn't let them know until after I got out in XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXXi Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX Any other addressesincluding but not limited to : XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX XXXX the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief