vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blackwater Capital Group LLC.
State: GA

Complaint narrative:
I was contacted by Blackwater Capital in XXXX for a debt of around {$1900.00}. They called my phone number and my parent and two siblings and left voicemails saying she was a mediator and was contacting me before they file suit. I do not live with my parents or siblings and know that it is illegal for them the call and speak to anyone but me or my spouse about my debt. As well as call and imply they are a law firm. I contacted them and tried to get more information since I had never heard of them. They told me what account and I recognized it but asked them for further info. I also asked the collector and her supervisor to stop calling my family since they found my number. The collector was not wanting to but the supervisor agrees after I told him it is illegal. At the time I was about XXXX months pregnant and finances were even more tight but I tried to arrange a payment because I was scared and not processing anything. 
I ended up having my baby and then fast forward to XXXX. My sibling received a call and voicemail stating they needed to speak to me before they file suit and garnish my wages. 
I called again and told the collection representative to not call my family again and that I had said it before. She became extremely aggressive and threatening. She said they could file for judgement and garnish my wages if I did not pay. I told her I would arrange something but I wanted to create a plan of some sort to make it for feasible. She was rude and said I wasnt understanding anything. I made a partial payment since I felt threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I told them Hello, my name is XXXX XXXX. I told PNC bank Im calling because an ACH deposit was sent fraudulently to an account at PNC bank. I dont have an account with their institution, but I do have the ACH trace number and confirmation from the sending bank. 

Im call them asking to speak with someone in ACH Operations or the Fraud Department so a trace and fraud investigation can be started. 

I told them that understand there are privacy limits, and Im not asking for any account holder information. I just need confirmation that the transaction has been located using the trace number and that it is being reviewed as a fraud case. 

If this issue cant be handled at this level, Id like it formally escalated and documented. Im prepared to continue recovery through regulatory channels if necessary, including filing a complaint with the CFPB. 
PNC Bank said they couldnt give me any information or trace number because I am not customer of their bank. Also went up to PNC bank location to see if I could get help regarding my situation but they couldnt help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In the past, our mortgage payment was increased by approximately {$700.00} at once. After going back and forth multiple times, the company eventually admitted it was a mistake and reduced the payment by about {$500.00}. 

Recently, they force-placed insurance, and our payment increased yet again. Whenever we call to ask where the disbursement payments went or to request an explanation for why our payment is so high, we are repeatedly transferred between departments, placed on hold for excessive amounts of time, or the call is simply disconnected. 

We are also given inconsistent information. Representatives often say one thing and later backtrack, which is concerningespecially given that they previously attempted to increase our payment by {$700.00} in error.

We were told there were supposed to be two separate disbursements : one for {$3700.00} and another for {$2300.00}. When we informed the escrow department that we did not receive these funds, we were instructed to contact the insurance department. However, the insurance department then referred us back to escrow.

When we requested to speak with both departments simultaneously, the escrow representative backtracked and stated that the {$3700.00} was sent to Cooper Mortgage for force-placed insurance. This directly contradicted prior information we were given.

Based on the repeated inconsistencies and backtracking, we believe we are being misled once again and are requesting a clear, written explanation and a full review of our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC XXXX, I request their deletion within XXXX days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverifiable information being reported on my Experian credit report. 

Charged-Off Account Dispute The following account is being reported as charged off, and I dispute its accuracy and completeness : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$15000.00} Inquiry Disputes My Experian report also contains numerous inquiries that I did not authorize and that were not made with my written permission. These inquiries are negatively impacting my credit profile : XXXX XXXX ( multiple dates ) XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple dates ) XXXX / XXXX  XXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX FINANCIAL SERVICES XXXX / XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX  / XXXX  & XXXX XXXX Late Payment Dispute The following account is reporting a late payment that I dispute : XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: WA

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 XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-12-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-12-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I REQUESTED A FRAUD INVESTAGATION FROM TRANSUNION TO REMOVAL FRAUDULENT ACCOUNT FROM XXXX XXXX  AND A XXXX XXXX BANKRUPTCY FROM MY CREDIT FILE. I HAVE PROVIDED TRANSUNION WITH BOTH ID THEFT FTC REPORTS AND SUPPORTING DOCUMENTION SUCH AS MY DRIVERS LICENSE AND COPY OF UTLITY BILL AND THERE HAS BEEN NO RESOLUTION TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED. UNDER FCRA CREDIT bureauS ARE REQUIRED TO REMOVE OR DELETE FRAUDULENT INFORMATION FROM THE REPORT WHEN SUPPLYING THEM WITH SUPPORTING EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX BANK XXXX Account number : XXXX XXXX XXXX SVC XX/XX/year> XXXX/XXXX  AND XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Out of the blue some company sent me a letter in the mail stating I owe them money. It also stated that they bought my debt from XXXX. The last time I spoke with XXXX they told me they charged off the debt because I told them Ive been homeless since XXXX of 2024. Its been over a year now and Im still homeless with no way to pay XXXX back which is why they decided to charge off the debt. Now, Ive seen my credit report when XXXX charged off the debt and I thought that would be the end of it and I will receive a tax letter from them about the debt being charged off as income. But now I got a whole new company telling me that they bought my debt and now I owe them. I requested a debt validation including the following : A copy of the original signed agreement or contract creating the debt, a complete itemized accounting of the amount claimed, including principal, interest, fees, and other charges, and documentation of the chain of ownership or assignment of this account, establishing your legal right to collect. I didnt receive it, so how do I know if they are telling me the truth or not. Either XXXX lied to me or this new company is. Either way XXXX cant even afford to keep a roof over my head or eat on a day to day basis. I could honestly care less about all this except this might actually hinder me from getting placed in proper housing in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I am submitting this complaint because a loan was opened in my name without my knowledge, authorization, or consent. I did not apply for this loan, did not sign any loan documents, and did not receive or benefit from any funds associated with this account. 



I discovered this issue after reviewing my credit report and noticing an unfamiliar loan reporting a balance of approximately {$5200.00}. I do not recognize this account and have no business relationship with this lender. 



I contacted the credit bureaus and filed an FTC Identity Theft Report to formally document the fraud. Despite this, the fraudulent loan continues to be reported and is negatively impacting my credit. 



I am requesting that this account be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I am also requesting written confirmation that I am not financially responsible for this fraudulent loan.

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 2025-12-22 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: IN

Complaint narrative:
As of today, XX/XX/year>, LVNV Funding LLC, has not contacted me about the collection account ( XXXX * * ) they placed on my consumer credit report in XX/XX/year>. The account has a continued reported history of " CO '' in the payment section since XXXX of 2025. I attached a copy of my consumer report showing the continued payment history. 

This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) 1. Debt collectors must contact consumers directly ( phone, in person ) or via mail/electronic message.

2. If using written/e-communication, collector must wait a reasonable time ( XXXX days ) to ensure delivery before reporting. 

3. Collector must provide the validation notice within 5 days of the first contact.

4. After these steps, the collector may furnish the account to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

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 2025-12-22 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief