vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting additional evidence for my XX/XX/year> CFPB complaint XXXX XXXX against Portfolio Recovery Associates ( PRA ). On XX/XX/year>, XXXX issued a letter refusing to investigate further or provide any legal documentation. To date, PRA has not submitted a bill of sale, chain of title, or proof of assignment from XXXX XXXX. 

As I documented previously, this account was securitized by XXXX XXXX and is no longer legally owned or assignable. This is confirmed in the SEC-filed Omnibus Securitization Agreement ( Exhibit 4.1.1 ), which states : XXXX does hereby assign all of its right, title, and interest in, to, and under the Receivables Purchase Agreement, the Pooling and Servicing Agreement and the Indenture to XXXX under the Capital XXXX XXXX XXXX and the XXXX XXXX Multi-Asset Execution Trust. 

This confirms that XXXX XXXX permanently transferred ownership of its receivables into a trust structure. As a result, XXXX XXXX had no legal right to sell this account to PRA, and PRA has no legal standing to report or collect on it.

Based on this, there is no way Equifax could have verified or validated this account. PRA has not produced any documents that meet the legal standard of verification under the FCRA, and Equifax had no valid basis to mark this account as verified as accurate.

This account is legally unverifiable and must be permanently deleted from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, XXXX XXXX  has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 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 non-monetary relief
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a new " Everyday '' checking account on XX/XX/year> at the Wells Fargo branch located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The account was opened in person by XXXX with the bonus offer code ( XXXX ) attached. The offer code is valid for a {$300.00} bonus that is to be awarded after 120 days on the grounds that certain criterion was met. On XX/XX/year> I called the main Wells Fargo customer support line to inquire about the bonus as I had not received it. My customer service agent verified the offer code was valid on the date of opening and that I had satisfied all its requirements. My agent was unable to locate any reason why I had not received the {$300.00} bonus. I was instructed to contact my local branch on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to resolve the discrepancy. On XX/XX/year> I called my local branch and spoke with XXXX. XXXX first directed me back to the Wells Fargo customer support line. I informed her that I had already called and provided details of the interaction. XXXX placed my call on hold and returned to the phone a few moments later. She explained to me that the {$300.00} bonus should be awarded within one to two weeks as the processing time takes longer than advertised. On XX/XX/year>, after more than two weeks had passed, I contacted my local Wells Fargo branch on XXXX XXXX XXXX. I spoke with XXXX who had opened my account. XXXX verified that I had met all criterion for the bonus but was unable to provide reasoning for why it was not awarded. She scheduled an appointment for me on XX/XX/year> with XXXX XXXX as he would be able to seek a resolution. I attended the appointment with XXXX on XX/XX/year>. XXXX failed to review my account as he was certain that I had satisfied all of the bonus criterion. He submitted an online form to Wells Fargo Bank , National Association to seek a resolution. Upon submitting the online form XXXX provided me the reference number ( BOI XXXX ). He instructed me to wait seven business days for Wells Fargo Bank , National Association to both contact me and deposit the {$300.00} bonus. I have not been contacted by Wells Fargo nor have I received the bonus at the time of this statement, this is the basis of my complaint.

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 monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX  XXXX XXXX 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 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-09 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/year>XXXX  after not missing one payment they did loan modification.but not behind. Now my loan terms are unbelievable and for what purpose because Additionally they said I XXXX short on escrow but I have been paying payments every month which includes escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX put into collection a debt thru CCS for an amount that i do not owe, my insurance policy is paid a month in advance, i did not ever default or overlap when i went to my new insurance carrier, XXXX cancelled the policy for my effective date XX/XX/2025, this practice of billing and collecting on insurance policies that all insurance carriers require pre payment on is a practiced that is unlawful under FCRA and FDCP. in my letter i have also provided case law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been a victim of fraud. I recently discovered that my personal and/or financial information has been used without my authorization, resulting in fraudulent transactions and/or accounts in my name. On XX/XX/XXXX, I provided relevant details ( by mail ) of the incident to Experian, Equifax and Transunion. I included a Police Report and Identity Thef Report along with copies of acceptable identification. These three bureaus have concluded their investigation with No resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Fair Credit Reporting Act stats 15 USC 1681 consumer protection,15 USC 1681 ( b ) must delete all inquiries, ,,1099-C must cancellation of debt must delete charge off and collections 15 usc 1681e ( b ), ,I demand to permanently remove all items from credit reporting and must not put back without my consent, if these items are not deleted, I will seek monetary damages for these inaccuracies on my credit report from each credit bureau XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons. 

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

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 2025-07-09 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: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
CFPB Complaint Experian Reporting Unvalidated Debt ( FCRA & FDCPA Violation ) Date : XX/XX/year> I am submitting this complaint because Experian is continuing to report a collection account from XXXX XXXX XXXX despite the debt being unvalidated. I sent a formal Debt Validation Letter to XXXX on XX/XX/year>, and as of XX/XX/year>, I have received no documentation or response from XXXX XX/XX/year>, Experian updated the XXXX account status, which confirms ongoing reporting despite the lack of validation. This violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Experian has a responsibility to ensure that any information furnished is accurate and verifiable.I am requesting that the CFPB investigate this issue and require Experian to delete the unvalidated XXXX XXXX XXXX account from my credit report.Thank you for your assistance in protecting my consumer rights.

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 2025-07-09 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: FL

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-09 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I received XXXX repeated text messages over the same account in less than XXXX hours, XXXX of which in the same hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
There was an apartment placed in my name Ive never applied for and have been disputing this forever

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 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : RE : Immediate Action Required Violation of United States Law : TILA ( Truth in Lending Act - 15 U.S.C. 1666 ( b ) ( Billing Error ) and FCBA ( Fair Credit Reporting Act ( 15 U.S.C. 1681 ( n ) : ______________________________________________________________________ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( XXXX ) : Creditor Name : XXXX  Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] Upon recent review of my consumer credit report, I identified multiple serious billing errors in direct violation of the Truth In Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditors failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement issues by the creditor. 

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid or unenforceable.

I hereby demand immediate correction of the following violations : XXXX. Provide Verifiable Proof from the creditors original accounting records, not generic system notes showing that : A payment was missed, AND That a proper billing statement was provided according to law ( 21 days prior ), OR 2. Immediate Update all referenced accounts to Paid As Agreed on my credit profile.

Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees. 

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX ( XXXX ), and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within XXXX calendar days of receipt of this notice, I will immediately initiate a claim in XXXX XXXX XXXX seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank 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