vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX days have passed since I submitted 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 non-monetary relief
Consumer complaint received 2025-08-16 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: LEXISNEXIS
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX  XXXX  XXXX  XXXX LEXIS NEXUS  XXXX  XXXX  XXXX  XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability.

As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Coast2Coast Mortgage, LLC
State: VA

Complaint narrative:
After providing my contact information to XXXX XXXX from Coast2Coast Mortgage, my husband and I received multiple unwanted emails, text messages, and phone calls, despite our explicit request not to share our contact information. The loan officer denied responsibility, suggesting it may have come from XXXX, but given that both of us received these messages at the same time and my husband did not go on XXXX, there is probable cause it originated from him. 

Additionally, we chose not to pursue working with this loan officer because he became agitated when I asked for a mortgage with no prepayment penalties. He implied that early payoff was not right and that I should wait at least XXXX months due to his commission structure. This statement is misleading and does not reflect my legal rights as a borrower, and it appears intended to protect his personal financial interests rather than inform me accurately. 

After telling him no we chose another lender, he persisted in continuing to email, call and text me multiple times. I blocked his number and he continued to text me from a different number. 

We request that the company : Ensure no further contact from him or other representatives, and refrain from selling our data or sharing our data as we requested.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Address : XXXX XXXX XXXX FL XXXX Law Issue : FCRA Section 609 ( a ) requires consumer reporting agencies to provide only accurate, verifiable, and complete information. This address does not belong to me and reporting it constitutes a violation of FCRA Section 607 ( b ) which mandates maximum possible accuracy Story : I have never lived at this address nor authorized it to be linked to my personal credit file. Including this address creates confusion and connects me to data that is not mine Instruction : Delete this address immediately as it is unverifiable and inaccurate I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability without validation of the debt. 

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do and did not validate this debt. Therefore, the following accounts must be deleted from my report upon receiving this document.

Failure to respond satisfactorily ( within 72 hours ) with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding, LLC/Resurgent Capital., who is attempting to collect an old account from me and has reported inaccurate information to the credit bureaus.

Re-Aging of Account ( Illegal Date Manipulation ) : LVNV Funding, LLC/Resurgent Capital. has furnished an incorrect Date of First Delinquency ( DOFD ) to the credit bureaus, effectively re-aging the account to make it appear newer than it is. This is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which limits reporting to XXXX  years from the DOFD, and of XXXX XXXX compliance standards, which prohibit altering the DOFD.

FDCPA Violations ( Deceptive Collection Practices ) : By re-aging and misrepresenting the account date, LVNV Funding, LLC/Resurgent Capital. is engaging in a false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). If the debt is time-barred, this conduct is an attempt to unlawfully revive collection activity. 

Failure to Provide Proof of Right to Collect in Texas : When requested, LVNV Funding, LLC/Resurgent Capital. failed to provide : A purchase order/assignment agreement proving ownership or assignment of the account.

Proof of a valid Texas debt collection license.

Proof of the required surety bond filed with the Texas Secretary of State, as mandated by Texas Finance Code 392.101.

This suggests they may be illegally collecting debts in Texas without proper authorization or bonding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my TransUnion credit report dated XX/XX/XXXX, and found multiple hard inquiries that I did not authorize or provide written consent for, as required by the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ). The inquiries in question are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no existing credit application, account, or permissible relationship with these entities at the dates shown. These inquiries negatively affect my credit standing and represent potential unauthorized access to my consumer report. 

The Federal Trade Commission ( FTC ) has clarified that any entity obtaining a consumer report without a permissible purpose is in violation of FCRA 604 and may be subject to civil liability under FCRA 616617. In XXXX XXXX XXXX XXXX XXXX, 605 F.3d 665 ( 9th Cir. 2010 ), the court ruled that a credit report request without a clear permissible purpose under 604 is unlawful.

Further, under CFPB guidance and applicable state consumer privacy laws ( including SB privacy bills ), credit bureaus must safeguard consumer reports against unauthorized access and promptly remove unverifiable inquiries.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I disputed the transaction directly with PNC Bank, explaining that I had no access to the service in question and that I had notified the company accordingly. Despite this, PNC sided with the merchant and reversed the temporary credit. I was then left with a negative account balance of over {$600.00}. I also closed out my PNC debit card to prevent further unauthorized charges.

PNC assigned me an account executive to help resolve the issue, but she was unhelpful and unfamiliar with the details of my account. I received conflicting information about timelines and resolution options, and my concerns were never properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Fraudulent Account Routing # XXXX / Account # XXXX To Whom It May Concern : This letter is a formal dispute of the above-referenced account, which has been falsely attributed to me in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, 1681s-2, 1681n, and 1681o, the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681g ( e ), and the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

I am the victim of identity theft. I did not open, authorize, or benefit from this account.

- 15 U.S.C. 1681c-2 ( a ) requires blocking of all information that resulted from identity theft not later than XXXX business days after receiving proper notice. 
- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information known or believed to be inaccurate.

- 15 U.S.C. 1681g ( e ) requires you to provide copies of all applications and records used to open or maintain the account within 30 days of my request.

- 15 U.S.C. 1681n and 1681o provide for civil liability if you willfully or negligently fail to comply.

- 18 U.S.C. 1028 makes identity theft and use of another persons identifying information unlawful.

You are hereby DEMANDED to : 1. Conduct a full reinvestigation and immediately delete all fraudulent records.

2. Provide written confirmation within 30 days that the account has been permanently removed.

3. Provide all documentation used to open this account, as required under 15 U.S.C. 1681g ( e ).

4. Cease and desist from furnishing this account to any consumer reporting agency.

Failure to comply will result in formal complaints with the CFPB, the XXXX, and a civil action seeking damages under federal law.

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 2025-08-16 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: ID Analytics, Inc.
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX  XXXX  XXXX LEXIS NEXUS XXXX  XXXX XXXX  XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability.

As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CBC Companies, Inc.
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX  XXXX  XXXX INNOVIS XXXX XXXX  XXXX  XXXX XXXX  ARS, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability.

As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including incorrect names, addresses, and employment entries, as well as unauthorized hard inquiries and inaccurate collection accounts. On XX/XX/year>, I sent dispute letters with supporting documents ( ID, utility bill, pay stub ) to the credit reporting agencies requesting corrections. The agencies have not resolved the issues, and the incorrect information remains on my reports. I am seeking immediate correction or removal of all inaccurate, unverifiable, or unauthorized entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including incorrect names, addresses, and employment entries, as well as unauthorized hard inquiries and inaccurate collection accounts. On XX/XX/year>, I sent dispute letters with supporting documents ( ID, utility bill, pay stub ) to the credit reporting agencies requesting corrections. The agencies have not resolved the issues, and the incorrect information remains on my reports. I am seeking immediate correction or removal of all inaccurate, unverifiable, or unauthorized entries.

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 2025-08-16 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a victim of identity theft. Someone has opened several accounts without my permission and authority, using them as if they were my own. During this time, they continued to use these credit cards without impunity, as if they were me, and continued to use them for several years, it seems. They managed to do this for several years until the accounts were maxed out and unpaid. This has completely destroyed my credit profile. I am unable to open or acquire any new credit due to this heinous crime.

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