vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have Bank of America XXXX XXXX XXXX XXXX XXXX - XXXX. I got around {$210.00} as rewards in that. 
I am going on overseas vacation. Want to pay off this card as well as get the rewards. But in the year XXXX-it seems there is no way I can do that. Unless the statement is generated - I can not get my rewards.

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 2025-12-01 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus.

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQ : XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
I am filing this complaint because [ Experian / XXXX / XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within XXXX days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX v. TransUnion, LLC ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-12-01 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:
Complaint Title : Experian & TransUnion Reporting Unverifiable Account Furnisher Denies Ownership ( CFPB Ref # XXXX ) Complaint Description I am filing this complaint because Experian and TransUnion are reporting an account that is unverifiable, inaccurate, and does not belong to the furnisher they have listed. 

The account in question is reported as : XXXX XXXX XXXX  Account # XXXX Summary of the Issue On XX/XX/year>, I filed a CFPB complaint against XXXX XXXX XXXX regarding this same account, requesting validation and accuracy review. That complaint reference number is : CFPB Ref # : XXXX On XX/XX/year>, XXXX XXXX XXXX responded to the CFPB stating : This complaint does not belong to us. 
We are not the appropriate company. 

This means the furnisher listed on my Experian and TransUnion reports denies ownership of the account. 



Furnisher Identity Conflict Two days after filing the CFPB complaint ( on XX/XX/year> ), I received a collection text message from a completely different company : XXXX ( located in XXXX, CA ) They referenced the same alleged debt despite : No validation No assignment letter No notice of transfer No proof that they have any legal right to collect This means two different collection agencies are tied to the same alleged debt, and neither is providing validation. 

The bureaus are reporting the account under XXXX XXXX XXXX, while : XXXX denies ownership XXXX  contacted me instead Neither has validated No party claims to be the actual furnisher This makes the account legally unverifiable under the FCRA. 



Legal Basis for Deletion Because the furnisher denies the account and no verifying party exists, the bureaus are violating : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they know or should know is inaccurate.

FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum accuracy.

FCRA 611 ( a ) Unverifiable information MUST be deleted.

FDCPA 809 ( b ) ( relevant to initial collector communication ) Collection activity continued without validation.

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 2025-12-01 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:
I am writing to file a dispute regarding several items listed on my credit report. Below are the accounts in question, separated by bureau, with a request for resolution under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX XXXX {$0.00} XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XX/XX/XXXX, {$5200.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : 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 non-monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment.

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-01 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: NC

Complaint narrative:
I am disputing the following items on my credit report with Equifax. These accounts are inaccurately reported and need to be corrected : Charged Off Accounts Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CT

Complaint narrative:
The following Experian items contain incorrect or unverifiable information. I am requesting a reinvestigation and deletion of anything that can not be validated. 

Charged Off EX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXXXXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX Late Payment EX XXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2025-12-01 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: CT

Complaint narrative:
I am disputing the following Equifax accounts because the reporting is inaccurate or can not be verified. These accounts are negatively impacting my credit and require a full reinvestigation. 

Charged Off EQ XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} Inquiries EQ ( No inquiries listed. ) Late Payment EQ XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PAYPAL ACCOUNT WAS HACKED AND I HAD {$4400.00} IN FRAUD OUT OF MY PAYPAL ACCOUNT. 
COMPANY NAME IS XXXX XXXX XXXX XXXX XXXX THEY ARE IN XXXX AND IM IN THE USA. I NEVER MADE THIS PURCHASE. 
I NEVER RECIEVED ANYTHING. 
PAYPAL IS REFUSING TO HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a follow-up complaint related to my previous CFPB case ( XXXX ). 
Citibank closed my account but is still holding my insurance settlement funds. The funds have not been released, and Citibank has not confirmed whether the checks have been returned to the insurance company. Citibanks fraud department failed to verify the checks, and now they are telling me the checks will remain on hold indefinitely unless the insurance company sends recall and indemnity forms. 

I need CFPB to intervene because Citibank is holding my money without a timeline, without confirmation, and without providing a solution. I am requesting that Citibank be required to : XXXX. Release the funds immediately, OR XXXX. Return the checks to the insurance company so they can reissue them. 

This is causing financial hardship, and I need assistance.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
My boss received a wage garnishment request form from Lloyd and McDaniel on XX/XX/year> claiming that I owed a {$900.00} debt. The letter included my name and a social security number that was inaccurate. My boss attempted to call the firm and reported the information as incorrect ; however, he continued to receive another wage garnishment request form. My boss informed me of this just today, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
I, XXXX 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I am a homeowner with an FHA mortgage serviced by Planet Home Lending. I am approximately XXXX  days behind on my mortgage due to a medical hardship and due to Planet Home XXXX mishandling of my insurance claim funds. 

My husband became seriously ill and began having XXXX. I am his primary caregiver and our household income and stability were severely affected by this medical emergency. I previously received a forbearance, but my hardship is ongoing and my account is still delinquent. 

In addition to the medical hardship, my insurance company issued multiple checks for necessary home repairs starting around XX/XX/year>. These checks were sent to Planet Home Lending so they could release the funds for repairs. Planet Home Lending repeatedly claimed they did not receive checks, later said there were problems with the checks, and delayed releasing the funds for many months. Because of these delays and errors by the servicer, repairs have not been completed in a timely manner and my insurance company has now dropped my coverage. 

I have called Planet Home Lending many times asking for a loss mitigation / hardship review and to speak with a supervisor. They often refuse to connect me with a supervisor or with the appropriate loss mitigation escalation team. I am frequently left with frontline customer service who can not resolve my issues. 

My mortgage became further past due during this time. The combination of ( XXXX ) a verified medical hardship due to my husbands XXXX and ( XXXX ) Planet Home XXXX mishandling and delay of insurance claim funds has directly caused or worsened my delinquency and placed my home at risk. 

I believe Planet Home Lending has failed to : Properly process my medical hardship and FHA loss-mitigation options. 
Timely release and manage insurance claim funds for needed repairs. 
Provide adequate escalation or supervisor review when requested. 

I am asking the CFPB to review this matter and require Planet Home Lending to correct their handling of my loan and insurance claim funds and to offer me the appropriate relief for my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have paid the amount owed in full yet Wells Fargo is still reporting my account as late with a balance due. I paid the full amount left owed on XX/XX/year> and requested my account be updated on my credit report to show paid as agreed or to completely remove it from my credit report. As of XX/XX/year> no updates to my report have been adjusted.

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 2025-12-01 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 am submitting this formal NOTICE OF IDENTITY THEFT and demanding immediate deletion of all fraudulent accounts, inquiries, and personal information appearing on my credit file. These accounts were opened, reported, or assigned without my knowledge, permission, or consent, and are being investigated as identity theft.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the credit bureaus and all furnishers are legally required to block, delete, and cease reporting any information that results from identity theft once notified. This letter serves as that notification.

LEGAL GROUNDS FOR DELETION 1. FCRA 602A & 609 ( e ) Identity Theft Rights You must provide me with ALL documents, applications, contracts, and records used to open or verify the fraudulent accounts within 30 days as required by law.

Failure to provide these documents is a willful violation of the FCRA.

2. FCRA 611 Reasonable Reinvestigation Requirement You must conduct a reasonable reinvestigation. Reporting unverifiable or inaccurate data is illegal. If the furnisher can not 100 % verify the account with original signed documentation, it must be deleted immediately.

3. FCRA 616 & 617 Civil Liability for Willful or Negligent Noncompliance Any failure to delete fraudulent information may result in : Actual damages Statutory damages Attorney fees Punitive damages These violations may be pursued in federal court.

4. FCRA 623 ( a ) ( 6 ) Duties of Furnishers After Notice of Identity Theft Once a furnisher is notified of identity theft, they are prohibited from reporting the account further and must block and delete it.

Continuing to report a fraudulent account after receiving this notice is unlawful.

5. FACTA Section 112 Fraud Alerts & Blocking Duties Upon receiving notice of identity theft, the bureau must : Block the fraudulent accounts Remove them from reports Prevent reinsertion unless certified as accurate Reinsertion without certification is another federal violation.

6. FDCPA Violations ( If Any Accounts Are in Collections ) Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), no collector may attempt to collect a debt that : Is fraudulent Can not be validated Was created through identity theft Attempting to collect on an identity-theft account constitutes false representation and unfair practices under 807 and 808.

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