vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Valor Intelligent Processing, LLC
State: OH

Complaint narrative:
I am receiving multiple unwanted and unauthorized text messages from third-party debt collectors namely : XXXX, XXXX ( Text received on Tuesday, XX/XX/2025, from ( XXXX ) XXXX regarding ref # XXXX ). 

Valor Intelligent Processing ( Texts sent repeatedly on behalf of XXXX XXXX XXXX, from number ( XXXX ) XXXX, between XX/XX/XXXX and XX/XX/2025 ). 

These companies have contacted me by SMS without my prior consent, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and TCPA ( Telephone Consumer Protection Act ). 

FDCPA Violations : The following sections of the FDCPA ( 15 U.S.C. 1692 ) appear to have been violated : 1692c ( a ) ( 1 ) Contacting me without my prior consent via SMS.

1692d Repeated contact that amounts to harassment or abuse.

1692e False, deceptive, or misleading representations ( I was never sent a written notice nor proper debt validation ).

1692g Failure to provide written validation of debt within 5 days of initial contact.

Additional Issues : I have never received any mailed notice of this alleged debt.

I do not recognize these companies or the debts they claim.

No chain of title, contract, or signed agreement has been provided proving they are the lawful holder in due course of any alleged obligation.

Therefore, I am issuing a Conditional Acceptance should there be any alleged balance, I require : Proof of claim Full accounting Original contract with my wet signature Proof of ownership and assignment Unless they meet the burden of proof under UCC Article 3 and 9, I will consider their collection activities unlawful and will report further violations to the IRS, FCC, and State Attorney General.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-07-01 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: CT

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
- Loans were transferred from XXXX in XX/XX/XXXX - Never got information by mail or email on how to log into the new account with XXXX - Once I received information on how to do this, I provided my social, they said " no loans existed under my name '' ( no payments were made during this time because there was no access point into my loan ) -I was unknowingly placed on XXXX XXXX in XX/XX/XXXX -Notified in XX/XX/XXXX that I was delinquent on my accounts and I just came out of " forbearance, '' although I never received notice that 1 ) accounts were in forbearance 2 ) that a payment was even due XXXXHave called XXXX every day for the past 2 weeks to search for an answer, and they have been unable to provide me with any information on the timing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
am submitting this complaint against TrueAccord in relation to a debt they are now attempting to collect from me on behalf of XXXX XXXX. This debt was actively disputed and under investigation by the FCC ( Complaint # XXXX ) and the Arizona Attorney General ( Case # XXXX ) when XXXX issued a final decision letter on XX/XX/year>, and subsequently sold or transferred the account to TrueAccord.

I received that letter and the associated documents by mail on XX/XX/XXXX. As of today, TrueAccord continues to be unable to validate the debt and has not provided any of the legally required documentation, including a copy of the signed service agreement, a full breakdown of charges, or any evidence supporting the disputed balance. I have already sent a formal dispute and validation request directly to TrueAccord. 

This debt was sold mid-investigation, XXXX had not resolved my concerns or validated the account, and now the collector can not either. It appears that XXXX transfer of the debt was designed to bypass regulatory review, leaving me with no fair path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
Im reaching out because I believe my rights under the FCRA have been violated. 

I disputed this debt twice and had it removed twice, but now it has been reinserted under a new agency. 

Each company involved are in the attachment file.

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 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Southwest Business Corporation
State: TX

Complaint narrative:
We are submitting this complaint against SWBC Mortgage regarding a serious servicing error that has resulted in financial and legal consequences for us. 

In XX/XX/XXXX, we entered into a payment assistance agreement through SWBC Mortgage under the FHA program, which placed monthly payments into a non-interest-bearing Partial Claim. We were told that this claim would not be due until XXXX or unless we paid off our loan early, sold, or refinanced. 

In XX/XX/XXXX, we requested the full payoff amount for our FHA-insured mortgage loan from SWBC Mortgage. They provided a total figure, which we paid in full. SWBC issued a Paid in Full statement confirming the loan was satisfied. 

However, in XX/XX/XXXX, we received a letter from HUD/FHA stating we still owed the amount from the Partial Claim. This lien was never disclosed, included in the payoff amount, or even mentioned by SWBC during our payoff request. As a result, we now face an unexpected debt and potential damage to our credit.

SWBC Mortgage violated federal servicing requirements : Failed to provide an accurate payoff amount as required under RESPA ( 12 U.S.C. 2605 ( k ) ( 1 ) ( C ) ).

Did not disclose an existing FHA Partial Claim lien at the time of full payoff.

Issued misleading or incomplete communications, causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for the US Bank Altitude Reserve Credit Card with US Bank on XX/XX/year> and was instantly approved {$500.00} credit limit after answering the questions on the credit card application. There was no option to decline the offer and was instantly approved with the low credit limit of {$500.00}. The credit card offers the some of the following : - {$100.00} credit for XXXX XXXX or XXXX XXXX. 
XXXX bonus points for the first {$1000.00} spending within 90 days -4x points on some purchases like gas.

-0 % APR for 15 months.

With a {$500.00} credit limit, these offers are unachievable and I believe I was deceived with their promotional offer. I contacted customer support and was advised to request a credit limit increase that would likely require another hard inquiry and answering the exact same questions on the initial application. US Bank deceived me as a consumer with all the promotion the card offers but I am unable to maximize any of its benefits with a very low purchasing power. US Bank conducted a bad business practice, deceived a consumer, and offered promotions that are achievable. US Bank should be held accountable for advertising these offers without the possibility of achieving any of their offers due to very low credit card limit. I refuse to request the credit limit increase due to the hard inquiry that it requires that can or will lead to a negative impact on my credit score and report. I would like to ask CFPB so ask US Bank for a resolution to this bad business practice to its consumers.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9500.00}

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 explanation