vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of outdated or incorrect personal information, unauthorized hard inquiries, and derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these items remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Deletion of Unauthorized or Unverified Inquiry : XXXX XXXX XX/XX/XXXX Investigation and Deletion of Derogatory Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$44.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$97.00}

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
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of outdated or incorrect personal information, unauthorized hard inquiries, and derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these items remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Deletion of Unauthorized or Unverified Inquiry : XXXX XXXX XX/XX/XXXX Investigation and Deletion of Derogatory Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$44.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$97.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had no idea my Loan was in a forbearance from Covid when I was getting assistance from the XXXX XXXX Numerous times I was on the phone with Wells Fargo never did explain that to me, but I had seen so many different conflicting balances, and I didnt understand what was going on with my statements and so on and so forth, and I had spoke to several different people and then they tried to do another loan modification with me, which is really screwed up And I didnt take it. Of course all I know is it was very confusing on my end and yes, there is lots of documentation for this issue. And Im pretty sure there are others that had the same experience I had with Wells Fargo.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against BK OF AMER a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 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 non-monetary relief
Consumer complaint received 2025-10-01 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: 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} 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, 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Synchrony Bank ( PayPal Credit ) Product : Credit card or prepaid card Issue : Threatened to take legal action / Harassment / Failure to validate debt Company : XXXX XXXX XXXX ( on behalf of Synchrony Bank ) Account Type : PayPal Credit Card Last Payment : XX/XX/XXXX Complaint Narrative : I am filing a complaint against XXXX XXXX XXXX ( XXXX  ), who is attempting to collect a debt on behalf of Synchrony Bank for a PayPal Credit Card account. I have repeatedly requested proper debt validation, which I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). 

During a recent phone call, a representative from XXXX threatened to sue me and take legal action if I did not pay immediately. This occurred before any proper debt validation was provided, and while they were still using an outdated address from XXXX and an invalid email address. When I asked for validation, the representative became hostile, mocked me, and said I must have gotten that from XXXX. She then raised her voice and continued to speak to me in a demeaning tone. 

I later spoke with a manager named XXXX, who acknowledged the outdated contact information and stated that a new debt validation letter would be sent to my correct address. I am still waiting for that letter. 

In addition to the threats and verbal abuse, I have been receiving daily phone calls from multiple different numbers, even after blocking them. These calls occur multiple times a day, which I consider to be harassment. 

I am requesting that : XXXX XXXX XXXX cease all communication with me except to provide proper written debt validation. 
The debt be removed entirely from their collection efforts and any credit reporting, due to their failure to validate and their use of intimidation tactics. 
The CFPB investigate this incident for violations of the FDCPA, including harassment, deceptive threats of legal action, and failure to provide proper documentation. 
I receive written confirmation that no lawsuit will be filed and that the debt will not be pursued further unless fully validated. 

I have documentation of the call and am prepared to provide further details if needed.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My XXXX ACCOUNT NUMBER : XXXX ( XXXX SIMPLE CHECKING Dear CFPB Team, I am writing to report what has happened to me after the merger of XXXX and PNC, and to request your assistance. Please forward my comments to the companies involved ( PNC/ former XXXX ) and any relevant regulators. 

What happened : My original bank was XXXX. After PNC acquired XXXX, all of my money ( my life savings ) disappeared it was never transferred to me, and I was never issued a new account by PNC. 

I ended up with nothing. Because of this, I am now homeless and literally living on the streets. 

On Friday, XX/XX/year>, I was put in contact with XXXX XXXX, Executive Client Relations at PNC Bank, with phone ( p ) XXXX, fax XXXX, and email XXXX. 

I provided her with all of my documents. She verified the account and told me she would issue me a check. 

I never received the check before I moved. I requested that she cancel the check and reissue or resend it ( or wire the funds ) but have received no response. 

I have had no means of accessing my savings ever since. 

I do not merely want an apology ; I want my money returned. I am asking that PNC ( or whoever is legally responsible ) wire the full amount of my lost funds into an account I can access immediately. I have no assets or financial cushion left. I swear I will take this to every news media outlet if I have to. 

Thank you for your help. I trust the CFPB will treat this matter urgently and ensure I get the relief I desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Subject : Demand for Proof of Debt Ownership & Cease Collection Efforts To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced alleged debt. Please be advised that I dispute the validity of this debt and demand that you provide legally sufficient proof that you own the debt or have been assigned the legal right to collect it.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), you are required to cease all collection activity until you provide proper validation of the debt. Furthermore, under 15 U.S. Code 1692e, it is a violation of federal law to misrepresent the legal status of a debt, including falsely claiming the right to collect a debt you do not own or are not legally assigned to collect. 

You are hereby notified that unless you can provide documented evidence of ownership or a valid assignment of the debt from the original creditor, you must immediately : Cease all collection activity ; Remove any related negative information you may have reported to credit bureaus ; Refrain from contacting me further about this matter.

Acceptable documentation includes : - A complete payment history ; - Documentation of the chain of title or assignment from the original creditor to your agency ; - Proof that your agency has the legal right to collect on this alleged debt ; Failure to provide this evidence and continuing to pursue collection will constitute a knowing and willful violation of federal law, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

This letter serves as formal notice under the FDCPA. Please govern yourselves accordingly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00}

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
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is 18310 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-01 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: AR

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

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 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: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank sent duplicate payment to the student loan company on XX/XX/year>XXXX  in the amount of {$1800.00} each time. They were only supposed to send one payment and not two equal payments totaling {$3000.00}. The student loan company returned the duplicate payment immediately on XX/XX/year>. I was forced to withdraw from my 401K and pay the tax penalties, in order to cover my bills. The bank posted on my account this duplicate payment on XX/XX/year>. I reported to them and open a case to have their error fixed and return my money right away. I did this with multiple phone calls and followed up with messages. So far, I have not received a response from M & T bank apologizing for their error, nor correcting my account. I have multiple receipts, copies of my bank statements and statements from the student loan company that I could send it to you if necessary. Please contact me or M & T bank to help me solve this issue. 

Thanks, 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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital LLC is furnishing inaccurate, incomplete, and unverifiable information to credit reporting agencies, including Equifax. Despite multiple disputes, prior notifications, and CFPB complaint history, the account remains on my report, causing financial harm, emotional distress, and reputational damage. 

Account Details : Last reported : XX/XX/XXXX Balance : {$2200.00} Opened : XX/XX/XXXX Status : Open / Collection Original Creditor : No Info Listed Key Violations : 1. FCRA 1681s-2 ( b ) Duty to provide accurate information to credit bureaus.

2. FDCPA 807 Misrepresentation and unfair collection practices.

3. GLBA Improper handling of personal information.

4. EFTA Unauthorized activity and reporting.

5. GA O.C.G.A 10-1-393 ( a ) State consumer protection violation.

6. Breach of Contract / Completeness of Accuracy Failure to maintain accurate and complete furnishing obligations. 
7. RICO Considerations Pattern of willful misconduct causing demonstrable financial and emotional harm.

Unauthorized Impact Damaged credit score Denials of credit, loans, and financial hardship Emotional distress, harm to health and appearance, and harm to family Unjust blacklisting and repeated reporting without proper verification Requested Action No Wiggle Room 1. Immediate deletion of the account from all credit reporting agencies.

2. Cease and desist from reporting, reinserting, or modifying this account without my explicit written consent.

3. Written certification that the account has been deleted permanently.

4. Provide all verification or documentation allegedly supporting the account.

Any failure to comply constitutes willful neglect and a direct violation of FCRA, FDCPA, GLBA, EFTA, and GA consumer protection laws.

I expressly reserve the right to pursue statutory and punitive damages, including civil, regulatory, and RICO-based claims.

Supporting Evidence ( attach all documents ) : Prior disputes submitted to Jefferson Capital CFPB complaint numbers and correspondence Credit report snapshots ( XXXX XXXX ) showing inaccurate reporting All rights are expressly reserved and preserved. 

Signature : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation