vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit file that are not mine

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I made a settlement agreement with Portfolio Recovery Associates , LLC for my XXXX  XXXX account. Portfolio Recovery Associates , LLC sent me written confirmation on XX/XX/year> of a three-payment settlement plan for {$250.00} per month. The scheduled payments were for XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. I successfully completed the first payment in XXXX. 

On Friday, XX/XX/year>, I called Portfolio Recovery Associates , LLC to request a delay or reschedule of the XX/XX/XXXX payment. During that call, the representative informed me for the first time that my account had been transferred to another collection company called XXXX XXXX XXXX ( XXXX ). I was never notified by Portfolio Recovery Associates , LLC that they transferred or sold my account. 

On XX/XX/year>, I called XXXX XXXX XXXX to ask for information regarding my settlement agreement and payment plan. XXXX XXXX XXXX confirmed that they have my account information in their system, but they stated they have absolutely no record of the settlement agreement that Portfolio Recovery Associates , LLC created with me. 

Despite Portfolio Recovery Associates , LLC telling me that my account was transferred away from them, I continued receiving payment reminder emails from Portfolio Recovery Associates , LLC. The most recent reminder was sent to me on XX/XX/year>, stating that the next {$250.00} payment would be electronically drafted, even though they had already transferred the account to XXXX XXXX XXXX. 

This situation has caused major confusion regarding who owns or services my debt, who is authorized to collect payments, and whether my settlement agreement will be honored. Portfolio Recovery Associates , LLC represented themselves in writing as the Creditor to whom the debt is owed and continued collecting activity after they no longer serviced the account. XXXX XXXX XXXX is attempting to collect the debt without having the correct balance information or the settlement terms transferred to them. 

This appears to involve : Failure to notify me of the transfer of my account Failure to transfer my existing settlement agreement to XXXX XXXX XXXX Misleading communication by continuing to send payment reminders after the transfer Conflicting information between the XXXX companies Potential violations of the Fair Debt Collection Practices Act and Californias XXXX Fair Debt Collection Practices Act I am requesting assistance determining who currently owns or services this debt, ensuring that my original settlement agreement is honored, stopping any misleading or unauthorized collection activity, and preventing any negative effects on my credit or financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Issue : Capital One sold my account but refused to provide records, final statement, or sale date. 



Complaint : I am filing a complaint because Capital One sold my account to XXXX XXXX XXXX but is refusing to provide any documentation regarding my account, including the sale date, payment history, final statement, and required notice of sale. 



I continued making payments to Capital One because I was never informed the account had been sold. I only received a letter XXXX weeks ago stating the account had been transferred. When I asked Capital One for the sale date, final statement, and payment history, multiple representatives told me they no longer have access because the account was sold. This is incorrect and violates my rights under the Fair Credit Reporting Act, Fair Credit Billing Act, and CFPB record-retention requirements. A creditor must maintain account documentation even after selling a debt. 



I need Capital One to provide : The exact date the account was sold The full payment history The final/closing statement showing the balance at the time of sale A copy of the notice of sale that should have been provided to me A reconciliation of any payments I made after the sale Because I continued making payments without being informed the account had been transferred, Capital One must account for where those payments went and verify whether I still owe anything. Their refusal to provide these legally required records has caused harm and allowed a debt collector to demand payment on a balance that may not be valid. 



I am requesting the CFPB to make Capital One provide all documentation so I can resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/year> I was notified by Bank of America that there were some suspicious charges on my credit card. I verified with them these were not my charges. They put them in dispute, did an investigation and came back and said they were my charges. I appealed this decision and they came back with the same thing. Over {$3100.00} had been charged on my card. The criminal purchased gift cards from XXXX and XXXX and the bank says they were sent to my email address XXXX nut I have searched this account from top to bottom and never received those emails. The bank refuses to take these charges off of my account and says I am liable for them. I do not have the money for an attorney and technically shouldn't have to have one. On the copies they sent me some of the purchases show they were made in XXXX GA, I live in Ohio and that my card was swiped to make these purchases and the card never left my wallet.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates has petitioned the court with a law suit on a debt that has reached statute of limitation under Texas Code Section 16.004. Last payment activity date was documented and reported as XX/XX/year>. The attorney XXXX XXXX and XXXX XXXX refuse to withdraw a pending cause case that has not formally been served and are knowingly, intentionally violating Federal Law under FDCPA 12 C.F.R 1006.26 ( B ) and Regulation F, in addition to Texas Debt Collection Act ( TDCA ) XXXX  XXXX. 

I have a legal document with the last payment activity date, a statement that shows the last payment made on an already reported delinquent status account and a verbal recorded call from the original creditor with this information. 


I also have written communication from both attorneys reporting they will not assist in withdrawing the petition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> we closed on a real estate sales transaction and the commission funds we wired into our Wells Fargo Bank business account. Funds were to disbursed to real estate agents that were owed commissions. 

Remaining funds XXXX of {$30000.00} were transferred from the business account to an individual account to pay out remaining commissions due to real estate agents and the IRS. Wells Fargo Bank went into the individual savings account without authorization and illegally transferred monies from the individual account to the business account to pay an outstanding business loan. Transfer was not authorized. When Wells Fargo Bank was contacted, they said had the right to take money from private accounts to pay outstanding business loans in and above the actual amount due. We explained the remaining funds were payroll and for the IRS, not our personal funds. Per the signed commission agreements, the money was to be transferred to other agents that were due the funds. They disagreed and now the real estate agents are demanding their payment and the IRS payment was overdrawn. 

Over the last XXXX months, Wells Fargo Bank charges an overdraft fee of {$35.00} for as little at {$10.00} overdraft on the account. That is disproportionate to the amount covered by 250 % and occurred numerous times on back to back charges. The overdraft was not requested and they automatically enroll you in their program with high fees. 

Wells Fargo Bank refusing to return the commission funds that are for payroll and illegally transferred from an individual account to a business account. The money should be returned so the agents can be paid their commissions due and the IRS as well.

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 2025-11-18 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I sold a property on XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX made a grievous error and didn't pay off the loan for this property with Penny Mac {$470000.00}. They Paid XXXX XXXX that was a loan on another property not related. 
I discovered recently the loan WAS NOT PAID OFF and I'm paying on the loan for 6 months that I don't own or have rights to the property. I contacted XXXX XXXX and they are refusing to correct telling me XXXX XXXX claims will assist XXXX XXXX  now claims they cant assist and I need to pay off the loan or get sued. This is FRAUD. They were paid closing fees and title insurance to do their job and protect mistakes.

The are required by law to pay off the loan and have the correct deed to the new buyer and myself.

Their lender now hold 2nd position on loan which is not right.

They must fulfill their obligation that they were PAID to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-19 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: SC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi bank, XXXX, XXXX, and XXXX XXXX  all did it in the same time frame. This practice when they all participate artificially destroys a persons credit by artificially lowering a person credit and raising their utilization. My payment history is outstanding and Ive worked extremely hard to build my credit. I had a XXXX XXXX in XXXX and XXXX and XXXX is when they did this. Citi bank took a XXXX limit add made it {$1500.00} just barely above my amount owe raising it to 98 % XXXX  did sand same thing from {$12000.00} to XXXX XXXX  from XXXX to XXXX XXXX  did by again XXXX from XXXX to XXXX and my car credit from XXXX to XXXX. They drove my utilization from 18 % to 75 % destroying my credit. On top of that now they are reporting my debt with the as % XXXX utilization. From an acts they did not from me running up a credit charge to my limit. This should not be allowed to happen where it destroys good hard working people. Its not right

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 2025-11-19 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: PA

Complaint narrative:
I am very distressed to see that the inaccurate accounts are still showing up on my credit report, and none of them have been taken off. I am begging for the documents I submitted to be checked properly so I can stop worrying about this nonstop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I've requested via phone calls & signed receipt upon delivery postal mail that this bill is not mine. I have no recollection of this bill that resurgent has been harrassing me about. I've received numerous emails, mailings & phone calls from this company. I've asked this company to provide me with a contract that I signed in reference to this bill instead they keep sending me an account summary that they have generated. I've requested information to prove that a statement generated by them is not mine. They haven't submitted me any proof, instead they keep harassing me with their summary report, but no legal proof that the bill is mine. I am 100 % denying this bill and I've asked them to remove this from my credit report, they continuously refuses to remove it. I want proof of whatever this bill is that it belongs to me & I definitely want this collection report removed from my credit report.

Company response to consumer: Closed with explanation