vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
I have noticed that my credit report contains incorrect personal information, which has led to multiple unknown and inaccurate accounts being reported under my name. I have been a victim of identity theft, and my information was used fraudulently, resulting in items appearing on my report that I have never been associated with. As instructed by TransUnion, I filed an FTC report and submitted it, yet these fraudulent items remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Dispute of Alleged Debt Account Opened XXXX Amount {$620.00} Dear LVNV Funding LLC XXXX This letter is being sent to you in response to a collection account reported on my credit report in the amount of {$620.00}, opened on XX/XX/XXXX. This debt is being reported without my knowledge, verification, or consent, and I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and a reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Please provide all of the following documentation to validate this alleged debt : 1. A signed contract or original agreement bearing my signature showing I have a legal obligation to pay.

2. Full account statements showing the amount and itemization of the debt.

3. The name and address of the original creditor, and proof that LVNV Funding LLC has the legal right to collect on this debt.

4. A complete chain of title and assignment from the original creditor to LVNV Funding.

5. A copy of the 1099-C if the debt was canceled, charged off, or forgiven in any part. 

While this account is under dispute and pending validation, you are prohibited from reporting this debt as verified to any credit bureau. Continuing to report inaccurate or unverified information violates 15 U.S. Code 1681s-2 ( b ) and could result in legal action. 

If you can not provide this documentation within 30 days, you must remove this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX and cease all collection activities. 

This is a formal notice sent pursuant to the FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681i ). Please communicate with me only in writing and do not contact me by phone. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
My mortgage is serviced by Shell Point. I called XX/XX/year> to inquire about a recast and was told by the representative that I did not have to " apply '' for a recast and could simply submit payment and it would be processed within 10 days. I submitted a one time payment during that call for XXXX. It came out of my account immediately and I was told within 10 days I would receive confirmation and new loan information showing my new monthly payment. After a few weeks passed and I saw no change to my loan, I called Shell Point and they told me that the investor in my loan does not actually allow for recasting and the recast had been denied. I had never received an official denial and they had immediately taken my money. After back and forth with them, they told me XXXX XXXX was the investor, so I contacted them because I learned that XXXXXXXX XXXX DOES allow for recasting. After weeks of investigating on their end, they told me they can not determine who the investor is and to go back to Shell Point. 

As of now, I have still not been able to determine who is the actual investor to my loan- my mortgage broker pulled from his database and it does indeed say XXXX XXXX XXXX  I feel at a loss and like the rug was pulled out from me. I don't know of any other angles to explore and feel at this point, my only option is to request a refund of my XXXX. What I would like is a recast, like I was promised. 

At a bare minimum, I would like to understand who exactly owns my mortgage. 

Thank you for your attention to 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have tried to resolve this with the collection company and the credit bureau and i have not had any luck. So i am reaching out to get some help from you to get this company to respond to to dispute with them to delete the account they are accusing me of being responsible for.

i have sent with this complaint the letters i have also sent to them.

Jefferson capital comes out 2 times on my credit report that i refreshed just the XXXX if this month. and it shows these 2 accounts for XXXX which i never had! i do not ever recall tking out a XXXX phone number. 
JEFFERSON CAPITAL SYSTEM - XXXX - JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX, XXXX, MN, XXXX opened supposedly on XXXX of XXXX for {$1000.00} JEFFERSON CAPITAL SYSTEM - XXXX - JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXXopened supposedly on XX/XX/XXXX for {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

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 XXXX 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 2025-08-21 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: LA

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 XXXX 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 explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX opened a new business account. 
On XX/XX/XXXX, I received a call from Wells Fargo Risk Protection informing me that my new account required business documents. I informed the representative that I had already provided the documents to the banker and asked her to contact them. About an hour later, I received another call stating that they couldn't reach the banker and asked me to do it instead. I agreed, since it was late, and planned to call the next day. 
On XX/XX/XXXX, I received an email from Wells Fargo stating my accounts would be closed on XX/XX/XXXX. I checked online banking and saw that it was XXXX. I called the provided number and was informed that my mobile banking would remain XXXX until they received the documents. I asked to speak to the manager ; the manager tried to activate my other Wells Fargo accounts. He said he was unable until the new account process was completed. I contacted bank manager XXXX XXXX, who told me to visit in person because, as far as they knew, the documents had been downloaded. 
On XX/XX/XXXX, when the bank was informed of the required information, they stated it was the same as what I had already submitted. 
On XX/XX/XXXX, I retook the same documents and provided additional ones to the banker. They said they would download the documents, monitor the account, and keep me informed, but I was told it was unlikely that my mobile banking would be enabled until XX/XX/XXXX. A s of XX/XX/XXXX, my mobile banking remained XXXX. I called small business customer service for assistance ; they were very polite and checked the status, saying that the documents needed to be approved by the banker. She tried to contact the banker, but there was no answer. 
On XX/XX/XXXX, I called the banker, who explained they were not the ones who approved the documents ; that was handled by another department ( Business account ). 
On XX/XX/XXXX, mobile banking was still XXXX. I called banker XXXX, who said she would check her emails for approval and forward it to Risk Protection. 
On XX/XX/XXXX, mobile banking was still XXXX. I received an email from the bank manager stating that Risk Protection had received the approval and needed to speak with me to ask some additional questions. I called Risk Protection, answered some identifying questions, and was informed that it would take 24-48 hours to decide whether my accounts would remain open. Several hours later, I received a call informing me that my new account had been approved and would remain open, and that my mobile banking had been enabled. I received that call while I was typing this complaint. All this time, I was feeling frustrated and nauseous most of the time, and I was having a difficult time concentrating on my work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

LATE PAYMENT 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Thursday XX/XX/year> I received a email from XXXX XXXX XXXX'. The email states that a Transfer of XXXX USD has been cancelled and the money refunded back to my account. I have not attempted a transfer and have not used XXXX 
I setup an account many years ago, but never used it and have not attempted to use XXXX XXXX XXXX'. I am concerned about fraudulent attempts. 
I notice a law suit for this company involving CFPB. How do I participate in the lawsuit. I will be happy to send a copy of the email received. Attached email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX XXXXXXXX my identity was used at the XXXX XXXX complex located on XXXX XXXX .I never ever knew anything until I saw my credit report and I had a XXXX charge for damaged I called the complex to investigate and the XXXX lady was so rude she wasnt trying to hear nothing I was trying to inform.All I know is the person did everything online like they wouldnt give me any answers. I refused to pay it in I tried to dispute it off my credit report but couldnt.Same as the XXXX XXXX I never lived here ever dont know where it is everything was done online as well All payments where made online I went to main office but it seems the ladies that was there told me to contact corporate in I did once again no luck .How and why is it so easy for some one to steal my indentity and Im having such a hard time getting it resolved

Company response to consumer: Closed with explanation