vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: Tower Loan of Mississippi, Inc.
State: TN

Complaint narrative:
Tower loan in XXXX, LA. Have posted a loan on my credit report. They found my name online as someone who use to live at the same address as the actual person who took out the loan. XXXX XXXX took out a loan and has been delinquent on her payments. She was my step mother 10 years ago. And we havent lived at the same address for XXXX years. After speaking to the Tower loan XXXX he stated he didnt have my social security number on the account he had XXXX XXXX brides. He told me he would take this off my account back in XXXX. It is still being updated as XXXX delinquent on a loan I never took out.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Upgrade , Inc . 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, This letter constitutes my formal request for validation and full disclosure of all securitization details for any account you allege I owe or are currently reporting to consumer reporting agencies under my name or Social Security number.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and the Pennsylvania XXXX XXXX XXXX XXXX XXXX ( XXXX P.S. XXXX ), you are hereby required to provide : XXXX. Complete validation of the alleged debt, including : The original signed credit application or contract ; Full itemization of all transactions, interest, fees, and payments from origination through present ; Copies of all billing statements or account records used to calculate the current balance ; Written explanation of any charge-off, assignment, or sale of this account. 
XXXX. Full securitization and assignment details, including : Date of loan closing/origination ; Name and address of the originating creditor ; Name of the trust, pool, or investment vehicle in which the debt was securitized ( if applicable ) ; Copies of all assignment, sale, or transfer agreements, including endorsements, allonges, or contracts evidencing transfer of beneficial interest. 
XXXX. IRS XXXX XXXX or other cancellation-of-debt documentation if any portion of the debt was charged off, written off, or otherwise forgiven. 
XXXX. Proof of authority and chain of title showing that you have lawful ownership and collection rights to the account. 

Until such documentation is provided, any further attempt to collect or report this alleged debt as valid will be considered a violation of 15 U.S.C. 1692e ( 2 ) ( A ) ( false representation of the character, amount, or legal status of a debt ) and the FCRAs accuracy provisions. 

I demand your written response within 30 days of receipt of this notice. If you can not supply the requested documentation, you must cease all collection activity, correct or delete any related reporting, and confirm in writing that the account has been withdrawn from further action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n \nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent keeps sending generic statements and form letters. None of those show that I personally authorized Resurgent to access or report anything about me. There is no wet signature from me. There is no assignment file that lists my account and ties it to a transfer to Resurgent. There is no itemized accounting from day one to charge off that explains the exact figures reported.

I am asking for a real reinvestigation. Under FCRA 15 U S C 1681e b there must be maximum possible accuracy. Under FCRA 15 U S C 1681b there must be a permissible purpose to obtain and furnish my data. Under FCRA 15 U S C 1681s 2 a a furnisher must not report information that is inaccurate or can not be verified. Under FDCPA 15 U S C 1692g b a collector must stop collection activity until validation is provided. Under Regulation V 12 C F R 1022.42 a furnisher has duties to investigate and correct.

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

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate, misleading, and unverifiable entries on my credit report. Despite my repeated attempts to address these issues directly with the reporting agencies and creditors, the inaccuracies persist. I request immediate investigation and corrective action, including deletion or correction of the erroneous accounts. 

The specific discrepancies on my credit report include : Wrong Addresses : XXXX XXXX, XXXX XXXX XXXX ( This is my current address ; any other addresses listed are incorrect. ) Late Payment Reported in Error : FREEDOM MTG XXXX * * High Balance : {$99000.00}, Date Opened : XX/XX/XXXX Reported as Late Payment. 
I have never made a late payment on this account. 

Accounts I Have No Knowledge Of / Charge-Offs : XXXX XXXX * * * * {$65.00}, Opened XX/XX/XXXXXXXX XXXX XXXXXXXX * * * {$1.00}, Opened XX/XX/XXXXXXXX XXXX XXXX * * * {$20000.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX * * {$2700.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX * * * * * {$20000.00}, Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX * * * * {$2700.00}, Opened XX/XX/XXXX I have no knowledge of these accounts, and they are appearing as Charge-Offs. I request they be investigated and removed. 

Collection Account I Have No Knowledge Of : XXXX XXXX XXXX XXXX * * * {$880.00}, Opened XX/XX/XXXX I have never been contacted nor have I authorized this account. Please remove immediately. 

Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and must be removed from my credit report. 

Summary of Requests : Immediate investigation into all listed inaccurate accounts and inquiries.

Deletion of any accounts for which I have no knowledge or authorization. 

Correction of falsely reported late payments. 

Removal of all unauthorized inquiries. 

These inaccuracies are causing significant damage to my creditworthiness and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting. I expect that these matters will be corrected promptly and that I will receive confirmation of the actions taken. 

Thank you for your urgent attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on a single account by TransUnion. According to their records, several payments are being falsely reported as late when, in fact, they were made on time. This incorrect reporting is unfairly damaging my credit score and misrepresenting my payment history, which is both stressful and unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased furniture from XXXX furniture. There were XXXX separate credit card charges for these orders : XXXX charges of {$10000.00} each on my credit cards ( totaling {$20000.00} ), and XXXX charges on my mothers credit cards, XXXX of {$10000.00} and XXXX of {$7000.00} ( totaling {$17000.00} ). The furniture never arrived. 

I contacted Synchrony Bank to dispute these charges, but they are refusing to refund the money and are closing the disputes, only providing the purchase receipts. I have repeatedly requested proof of delivery or any documentation confirming receipt from XXXX, but the company has not provided any. XXXX claims the furniture was delivered to the wrong address, but they have no evidence to support this, and it is not our fault. Despite this, they refuse to refund our money, and there is no proof that the furniture was ever delivered. 

Actions taken : Contacted Synchrony Bank to dispute the charges. 
Requested proof of delivery or supporting documentation from XXXX multiple times. 
Received only purchase receipts, with no evidence of delivery. 
Synchrony Bank is closing the disputes without refunding the money.

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 2025-11-11 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXXXX/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 2025-11-11 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: GA

Complaint narrative:
I recently obtained copies of my credit reports from all three major consumer reporting agencies and discovered inaccurate information that must be deleted under federal law. These items listed below contain errors and inconsistencies that can not be verified by the original furnishers. Because these tradelines are reported inaccurately and are causing measurable harm, I am requesting their complete deletion from my credit file. 

XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$930.00} XXXX XXXXXXXX Balance {$510.00}

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 2025-11-11 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: MicroBilt / PRBC (formerly CL Verify)
State: SC

Complaint narrative:
XXXX and other consumer reporting agencies are reporting fraudulent accounts on their consumer report versions of me. These accounts include XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, and XXXX. I did not open these accounts. They were created after my identity was compromised and after unauthorized individuals gained access to our financial and personal information. These accounts appeared only after the hacking incidents and documented misuse of our shared data. My husband and I are confirmed co victims of a multi-state level identity theft scheme. Unknown individuals accessed our financial accounts, added themselves to insurance and medical profiles, and opened credit accounts in our names. An unauthorized party was added to our XXXX  account with a power of attorney document. This forged document gives them unlawful access to our personal and financial information. This enabled them to impersonate us, pass identity verification checks, and open accounts without our knowledge or consent. Law enforcement is actively investigating the individuals involved, and warrants are awaiting signatures ( as of today XX/XX/year> per XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The evidence is overwhelming.

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX on XX/XX/year> in XXXX GA. I was advised I had 3 days to refinance with a different lender other than Santander Consumer USA. I contact XXXX and my application was excepted and account opened. XXXX provided the payoff amount to be sent to Santander a check was cut over the payoff amount and mailed to the address per the document provided by XXXX. Copy of check enclosed. 

Several weeks later there was an inquiry regarding the title and was informed by a representative they have not received the payoff. Santander was contacted for an explanation and advised the address was incorrect and so alternate address was provided come to find out the address XXXX XXXX in the document is not monitored and so the check just sat there. 

XXXX stopped payment on the check and a 2nd check was resent to the address provided. Upon confirmation they received the check and the check has since been cashed Santander is refusing to release the title, stating additional monies are owed for accrued interest. I'm confused how when the account was opened with XXXX 3 days after purchasing so it was no longer with Santander and I did not receive a refund for the overage. 

XXXX has sent a letter to resolve the issue, however Santander harassing me daily to pay this additional monies which is accumulating interest and refusing to release the Title to the new Lender. 

I have spoke to numerous representatives and management explaining we followed the instructions provided by there merchant XXXX.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Formal Complaint Against XXXX XXXX XXXX XXXX Unfair Credit Limit Reduction and Resulting Credit Score Damage Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding an unfair and harmful action taken by Bank of America , N.A . concerning my newly opened credit card account.

I was recently approved for a {$20000.00} credit line from Bank of America. While traveling and temporarily away from home, my account became past due. Upon discovering this, I immediately contacted the bank and paid off the balance in full. Despite my prompt and responsible repayment in full, Bank of America reduced my credit limit from {$20000.00} to {$600.00}. 

This drastic reduction caused a disproportionate and unjustified impact on my credit profile, my credit utilization ratio spiked to approximately 90 %, resulting in a significant drop in my credit score. I promptly reached out to Bank of Americas customer service and executive relations departments to request a review and goodwill reinstatement. Despite my clear demonstration of good faith, the bank declined to rectify the issue or restore my original credit limit.

I believe this action represents an unfair and punitive practice that fails to consider responsible corrective behavior by consumers, particularly new customers. I am requesting that the CFPB : Investigate Bank of Americas actions and policies regarding sudden credit limit reductions after full repayment.

Request that Bank of America restore my prior credit limit ( or a reasonable portion thereof ).

Require that the bank report the restoration to all credit bureaus to correct the negative impact on my utilization ratio and credit score.

Ensure fair treatment and transparency in how financial institutions handle new customers who promptly resolve issues in good faith.

Thank you for your attention to this matter. I respectfully request your assistance in resolving this issue and preventing similar harm to other consumers. 

Sincerely, 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Venmo closed my account and I provided the information they requested. They then required more information on two old credit cards I used to have that are now closed. I don't have access to these accounts and unable to provide account statements as requested. They closed my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation