vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
This entry is not mine and the information shown 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 explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Leviton Law Firm, Ltd.
State: NC

Complaint narrative:
I sent this information to Leviton Law Firm and can not get any resolution whatsoever. 

I am requesting written confirmation on firm letterhead that my XXXX XXXX XXXX account balance was settled/paid as of a confirmation email notice received XX/XX/year>, and that the account is now {$0.00}. Account : to be provided upon request Your representative XXXX XXXX previously advised that the settlement was paid and the account closed, but I have not received the written confirmation needed for XXXX to restore service. 

Please provide a letter ( PDF is fine ) that includes : XXXX account number : to be provided upon request Leviton/collection file number : to be provided upon request Total settlement amount paid : XXXX Statement that the account is settled/paid in full with a {$0.00} remaining balance Please also send the confirmation directly to XXXX  or provide the correct XXXX department contact so I can forward it .

If I do not receive this confirmation within XXXX business days, I will escalate in writing to the appropriate consumer/attorney oversight channels in XXXX 

Thank you, My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, My name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: VA

Complaint narrative:
When I opened my Experian Consumer Privacy Report, under " Identity Verification, Fraud Prevention, and Risk Decisioning '', under " PERSONAL AND ONLINE IDENTIFIERS : '', I noticed a name that was NOT my own name, along with an address that I have NEVER even heard of. 
I immediately tried to contact the company, but they did not provide any way to get in touch with a human, and their automated AI helper could not help me in any way.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
QWR, DVR and demand for disclosure under TILA. XXXX XXXX XXXX XXXX fraudulently foreclosed and stole my property and now refuses to return me my original Promissory Note and other original documents for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never had any foreclosures filed on XX/XX/2008 and XXXX XXXX failed to provide me any documents evidencing any foreclosures filed against me on XX/XX/2008. XXXX XXXX also failed to disclose the owner of the obligation who is entitled to receive and who actually received profits from forced sale of my property. XXXX XXXX failed to provide any documents evidencing any " defaults ''.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-12-23 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:
Dear Sir/Madam, I am writing to formally dispute several items on my credit reports as detailed below. I request that the listed items be thoroughly investigated and corrected or removed as appropriate in accordance with the Fair Credit Reporting Act ( FCRA ). Please separate these disputes by bureau for clarity. 

Charged Off Accounts : XXXX XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$4700.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$160.00} XXXX XXXX  - XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$780.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$650.00} XXXX XXXX  - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX  XXXX - XXXX, XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXXXXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$160.00} Late Payments : XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX  XXXX - XXXX XXXX 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 2025-12-23 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I received a notice through XXXX XXXX that a hard credit inquiry was made by Wells Fargo to XXXX  on XX/XX/year>. This is fraudulent. I did not authorize this inquiry. I called XXXX  to file a dispute, and they directed me to CFPB.

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 2025-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I applied for SCRA benefits under state law and was disapproved due to having a mortgage after entering service. Even though XXXX law states it can be during or after service. I sent PennyMac proof of service, proof that I am a resident of XXXX and they still disapproves me. PennyMac was made aware of this and sent another disapproval letter stating the same thing. They didnt take the time to look into the law they sent a disapproval letter instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This debt collector keeps calling every hour they have even call from block numbers so I cant call back and when the number does come through it say the number your calling cant be reachable. I feel harassed at this point. Yes I fall in hardship and take full accountability for this debt but I truly dont have the funds to pay these ppl back. I just want the calls to stop at this point they will call all the way up to XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items on my credit reports as detailed below. I request that the listed items be thoroughly investigated and corrected or removed as appropriate in accordance with the Fair Credit Reporting Act ( FCRA ). Please separate these disputes by bureau for clarity. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On Wednesday XX/XX/XXXX did a wire transfer from my banking account at XXXX to Ally Bank to someone who banks at Ally It was for a business transaction. 
They have put a hold on this transaction for several weeks I have talked in length to Ally as well as the account holder for this wire transfer to be sent the money Today is the XXXX and when talking with them they would not give me any answers and just said have a nice day. 

This is not acceptable and the release of funds needs to be done today on the 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 2025-12-23 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: CA

Complaint narrative:
XXXX. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information Known or Should Be Known to Be Inaccurate Together Loans furnished delinquency information that is internally inconsistent and factually inaccurate, including : Reporting the account as XXXX days past due while simultaneously reporting only a XXXX late for XX/XX/year> Reusing a single payment date ( XX/XX/year> ) to justify multiple delinquency periods Reporting delinquency while the account was under consolidation with the loan administrator ( NDR ) A furnisher may not report information it knows or reasonably should know is inaccurate. 
XXXX. FCRA 1681s-2 ( a ) ( 3 ) Failure to Mark Account as Disputed At the time the delinquency data was furnished : The account was under active dispute CFPB complaints were already filed and forwarded Credit bureau investigations remained open Despite this, Together Loans furnished new adverse data without properly suppressing or qualifying the tradeline as disputed, misleading users of the report. 
XXXX. FCRA 1681s-2 ( b ) ( 1 ) ( AE ) Failure to Conduct a Reasonable Investigation After Notice After receiving dispute and CFPB notice, Together Loans : Furnished new delinquency data instead of completing reinvestigation Failed to coordinate verification with the loan administrator ( NDR ) Failed to correct or delete disputed information Continued reporting adverse data before the investigation concluded This constitutes failure to conduct a reasonable investigation and failure to review all relevant information provided by the consumer. 
XXXX. FCRA 1681c ( a ) ( XXXX ) Improper Accrual of Delinquency By escalating delinquency status during an unresolved dispute : The reported days past due and delinquency timeline became unreliable The tradeline reflects improper accrual of delinquency months This materially impacts credit scoring and consumer standing XXXX. UDAAP Unfair and Abusive Acts or Practices ( 12 U.S.C. 5531 ) The conduct constitutes unfair and abusive practices because : It caused substantial consumer injury ( credit score drop from XXXX to XXXX ) The injury was not reasonably avoidable while disputes were pending The reporting served no legitimate purpose during an active investigation The timing strongly suggests retaliatory reporting following CFPB escalation The loan is administered through XXXX XXXX XXXX XXXX XXXX ), and any verification should be conducted through the administrator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Together Loans failed to direct verification appropriately and instead furnished adverse credit data directly to 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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Truist Banks handling of a fraudulent debit card transaction. 

On XX/XX/XXXX, I was the victim of a travel booking scam. I purchased airline tickets through a website that misrepresented the total price. After I authorized the charge, the merchant demanded thousands of dollars more, refused a refund, and used coercive and intimidating tactics. 

Although I authorized the initial charge based on false information, I never agreed to the final terms, did not receive the service as advertised, and did not use the ticket. The merchant later issued a ticket days after the dispute, under pressure, which does not negate the fraudulent nature of the transaction. 

Truist denied my claim by classifying it as a merchant dispute, despite clear evidence of misrepresentation, fraud, and coercion. I am requesting that Truist re-evaluate and reclassify my claim as fraud under Regulation E. 

Claim Number : XXXX Amount : 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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: ME

Complaint narrative:
For the last two years I have been trying to remedy a collection account on a debt that I fully paid off. 

Acima claimed the contract was not fulfilled but in XXXX my bank XXXX provided proof that indeed the account was paid in full and actually overpaid in which Acima refunded a portion back to my account. 

I thought matter was resolved until it appeared as delinquent on my credit. I immediately contacted XXXX the company I leased through who I guess used Acima. They couldnt confirm an account with them. 

I went to Acima who claimed no account was found. I spent a year trying to get information on this mess. I finally received a letter from collections regarding the account paid in full. 

I attempted again to remedy this mess to get no where again on a paid account. Even according to Maine Consumer Credit Code, Title 9-A 11-114, they are violating my rights. Even if at minimum they claim I only paid the value of the item I purchased its paid. I assure you I paid nearly XXXX to them via weekly payments directly out of my account 32 months out of a 24 month contract. 

I am at my wits end with this mess. Please help me fix this! It has ruined my credit, losing over XXXX points on a paid debt! Even if cleared off my credit I dont recover the points lost. 

I lost contracts, loans and ability to purchase a home, from this debt that was paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-12-23 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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