vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I was a victim of an identity theft. Someone used my information to open this account and I did not recognize any of this account activities. This entire account is reporting incorrect delete it from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
My TransUnion report contains multiple inaccuracies : XXXXXXXX XXXX  Acct # XXXX : I have no record or knowledge of ever opening this account. I disputed it with TransUnion and asked for documentation to validate it, including account opening forms or usage logs. TransUnion responded that the account was verified, but provided no evidence. This is not a reasonable reinvestigation under FCRA 611. The presence of this account is damaging my credit unfairly. 

XXXX XXXX Accts # XXXX to XXXX : Four XXXX XXXX accounts from XXXX XXXX are reporting late payments, which I dispute. I was never given billing statements or proper notification that would justify these delinquencies. The accounts were placed in forbearance or deferment at the time, and I believe these late payments are due to reporting errors. TransUnion did not provide any documentation when I disputed these items.

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 2025-05-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filled a dispute claim with Bank of America and it was denied. A few years later i received an email saying they had the information on the claim wrong including dates and amounts and merchants and I could refile the dispute but when I tried to refile I was constantly told to step into a branch to verify my identity. Ive stepped into a branch a total of 12 times and they refuse to help me with my claim.

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 2025-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
We have a mortgage with RoundPoint mortgage company. I have requested to have PMI removed from the loan multiple times. I have requested on the website with no response, I have mailed letters and received a response that I didnt qualify. I have sent emails with no response and lastly I spoke with someone who told me it would be removed for the XXXX payment and it has not been. 
We purchased the home for XXXX and currently owe XXXX and my XXXX payment still includes PMI of XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit reports as provided by Equifax and TransUnion, as I am a victim of identity theft. These inquiries were not initiated or authorized by me, and they are negatively impacting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1 and 1681g, I have the right to place a fraud alert and request the removal of any items on my credit report that are the result of identity theft.

Please be advised of the following details as extracted from my most recent credit reports : Equifax ( Report Date : XX/XX/year> ) 6 Unauthorized Inquiries : 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/year> TransUnion ( Report Date : XX/XX/year> ) 2 Unauthorized Inquiries : XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> I have attached a police report/identity theft affidavit [ you should attach this if you havent already ] filed with the appropriate authorities in accordance with FTC guidelines under the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ). I am also submitting this case through the Consumer Financial Protection Bureau ( CFPB ) at www.cfpb.gov.

As required under FCRA 1681i, I request an immediate reinvestigation and the permanent deletion of the above-mentioned inquiries from my credit file. These inquiries were made without my authorization and are the result of fraudulent activity.

Under FCRA 1681c-2, I further request that any fraudulent data be blocked from my credit reports within 4 business days upon receipt of this notice, supporting documents, and identification.

Please confirm in writing that the above inquiries have been removed from my credit file. I am requesting this dispute be handled with urgency due to its adverse effect on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: LA

Complaint narrative:
GLOBAL LENDING SERVICES # XXXXXXXX XXXX XXXX XXXX XXXX Despite my proactive attempts to resolve the matter and fulfill the necessary financial obligations, I was provided misleading and inaccurate information by the repossession agency that ultimately prevented me from reinstating my loan. 

After the repossession, I promptly contacted the repossession agency to inquire about the reinstatement process. During these conversations, I was informed that I would be able to reinstate my loan by paying the required amount within a specified timeframe. However, as I proceeded to gather the funds and attempted to make the payment, I was met with conflicting instructions, delays, and misinformation from agency representatives. 

Specifically, I was given incorrect details regarding the total amount due, the payment method required, and the deadline for reinstatement. Furthermore, I received inconsistent responses regarding whether my lender was still accepting reinstatement, leading to further confusion and an inability to take proper action. As a direct result of this misleading information, I was denied the opportunity to reinstate my loan despite my willingness and financial readiness to do so. 

I strongly believe that these actions were improper and have caused undue financial and personal hardship. I am seeking an official review of my case and request that appropriate corrective measures be taken to address this matter. I am prepared to provide any supporting documentation related to my communication with the repossession agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
2 late payments are showing on my Wells Fargo account XXXX. The late payments were due to information that was breached from the CRA and my banking account was compromised that made payments to this account. I tried several times to make the payments but it kept coming back from my XXXX XXXX  banking account as insufficient. The XXXX XXXX  account was compromised therefore making it unable to successfully submit payments. After the XXXX XXXX  account was investigated and fund restore all payments were made to Wells Fargo and Wells Fargo even removed late payment fees. Iam requesting that these late pays ( derogatory info ) been reported to the CRA because of this one time event that was not my fault. The CRA compromise was a national issue which now is represented with fraud alerts on all my accounts. Thank you in advance for having these late pay reporting taken off of my reports it is causing hardship for me in applying for a home mortgage.

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 2025-05-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Between XXXX XXXX, 2025 and XXXX XXXX, 2025, a new account in collections was added to my report. The collection agency is CREDIT MANAGEMENT COMPANY. The original creditor was XXXX XXXX XXXX XXXX. A total of XXXX points was removed from my credit score for a debt of {$2900.00}.

I requested proof of ownership of the debt from Credit management company and none was provided. I also requested proof of my consent granting CREDIT MANAGEMENT COMPANY access to my protected health information and non was provided. This is also a violation of my HIPPA rights and I will be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
This Current app, makes you think you get a payday advance, while stating that a connected bank account with so much money each month as a direct deposit. They actually make you switch direct deposit to them, then wait a month or two to see if you are eligible. 
It's false and misleading info leading consumers to their product. I've had my bank account for 10 years. They should not mislead the public. All the while saying the advance is not required to be paid back. That can not be feasible for any company trying to make money. Can you look into this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I requested verification of the record 4 times between XX/XX/XXXX and XX/XX/XXXX. I have not received any evidence from the company that the verified this information directly with the Court.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
All 3 reporting agencies are reporting inconsistent account information for this dismissed XXXX XXXX XXXX including account numbers and court numbers. I have received no verification of the public record and information remains inconsistent across reports.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
All 3 reporting agencies are reporting inconsistent account information for this dismissed XXXX XXXX XXXX including account numbers and court numbers. I have received no verification of the public record and information remains inconsistent across reports.

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certifled Mail '' with receipt displaying my signature. If not, please delete account # XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " XXXX Mail '' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I can submit my reports most of the information with hard inquiries, and opened accounts within the last 5 years are all fraudulent. Due to the Data breach with the credit bureaus I'm unable to list all the information. so i will attach my reports. Maybe it would be a good idea for these company 's avoid hiring immigrant 's for we wouldn't have this issue. Most of the time when I would contact these credit bureaus via phone you cant understand what they are saying because the broken XXXX is so bad.

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 2025-05-25 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: CA

Complaint narrative:
I can submit my reports most of the information with hard inquiries, and opened accounts within the last 5 years are all fraudulent. Due to the Data breach with the credit bureaus I'm unable to list all the information. so i will attach my reports. Maybe it would be a good idea for these company 's avoid hiring immigrant 's for we wouldn't have this issue. Most of the time when I would contact these credit bureaus via phone you cant understand what they are saying because the broken XXXX is so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
I have recently received my credit report and noticed several inaccuracies and unauthorized / information reported to my credit report these remarks have be detrimental to my life and credit health.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: AZ

Complaint narrative:
This company is in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft I have been trying to get this charge off balance and account removed from my credit and information from my name I cant even get a account due to this account being opened in my name this very unacceptable I have 4 police reports as well showing I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX I am formally demanding the immediate removal of a debt you have reported to one or more credit reporting agencies under my name. The information you have furnished is inaccurate, damaging, and in direct violation of federal law, including the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and potentially the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). This collection account must be removed from all credit bureaus and any internal records.

This debt, as listed on my credit file, is incorrect, does not belong to me, Under FCRA 607 ( b ), you are obligated to maintain reasonable procedures to assure maximum possible accuracy. Failing to do so subjects you to legal liability and regulatory action. Continuing to report inaccurate or incomplete information after being notified is a willful violation and carries penalties under FCRA 616 and 617.

No further attempts to collect or report this account are permitted. This is not a request for verification. This is a demand for deletion based on your legal obligation to report only accurate and current information, and to refrain from abusive, deceptive, or unlawful collection activity.

You have fifteen days from the date of this letter to remove this item and confirm that it has been deleted from all consumer reporting agencies. I will also pursue all legal remedies available under federal law, including damages.

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