vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: IA

Complaint narrative:
I checked my recent credit report and there are multiple fraudulent accounts reporting these are not my accounts and therefore should be removed immediately. As to these accounts are damaging my 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: PA

Complaint narrative:
I opened no authorized, activated or used account with Kikoff. I received a card, never activated it, threw it away because I did not trust myself to use it or max it out. Despite that, the account is being reported on my credit report by Kikoff.

Kikoff never obtained my authorization or usage of the account ; I never used the account, incurred any charges, or accepted any credit line. I believe this is inaccurate reporting to credit reporting agencies, and accordingly Kikoff is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) in failing to verify legitimacy of the account before furnishing it to CRAs.

I request the CFPBs intervention : ask Kikoff to conduct a full investigation, provide proof of my activation or use of the account, or delete the record from all consumer reporting agencies. I also ask for confirmation in writing of the result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, my name is XXXX. I was a cardholder with US Bank, but my credit card account was closed due to suspected fraud. That issue has now been fully resolved. I want re-open the credit card. I am not comfortable applying a new credit card because my score will hurt. Thank you

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 2025-11-11 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: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-11-11 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Creditor Improper use of my credit account information Violation Dear CFPB Team, I am writing to formally file a complaint against this creditor Bridgecrest, in accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights. Under 15 U.S. Code 1681, Section 602 states I have the right to privacy. Also, 15 U.S. Code 1681, Section 604 ( a ) states the consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a credit account under open-ended consumer credit plan as late for any purpose. Also 15 U.S. Code 1692f states Debt collectors are prohibited from threatening physical harm, injury, or any form of violence toward a person or their property. Debt collectors are prohibited from publishing or threatening to publish a list of consumers who refuse to pay their debts, unless allowed by law. Debt collectors can not advertise or attempt to sell a debt to force a consumer into paying. Creditor : Bridgecrest acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ) I am requesting the following actions from Bridgecrest through the CFPB : - To permanently remove this account that has been placed on my XXXX XXXX XXXX XXXX  credit reports. This violation of my rights on my credit report has had the following impacts on my life : - [ Specify the impacts, e.g., denial of credit, higher interest rates, and inability to secure housing or employment. ] I kindly request the CFPB to investigate this matter further and hold Bridgecrest accountable for their noncompliance with FCRA. In addition, I urge the CFPB to take appropriate action to ensure that this company protects other consumers from similar experiences. Please let me know if additional information is required. You can reach me at XXXX or ( XXXX ) XXXX. I appreciate your attention to this urgent matter and look forward to your response. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
I have reported this account as fraudulent to the original holder of the account which would be XXXX XXXX and they were notified XXXX and XX/XX/year>, and were supposed to do an investigation, No proof of owed debt is provided which I do not owe any debt and as required under 15 U.S.C. 1681i, I demand deletion for failure to provide verification within the law it has been well over 30 days it has been over 8 months. I am reporting this account as fraudulent and demand XXXX Associates to cease all collection activity and they need to cease and desist from continuing to try to collect this debt. Second, I am a victim of identity theft, in accordance with the Fair Debt Collection Practices act I am asking you to stop collection proceedings against me and stop communicating with me about this debt. I have notified the original owner of the debt that this account has been opened without my permission or knowledge

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 2025-11-11 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: DC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-11 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: IA

Complaint narrative:
When I checked my credit report I've noticed multiple inaccurate accounts reporting to my credit 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 non-monetary relief
Consumer complaint received 2025-11-11 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: NC

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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is important to me. However, I continue to find multiple inaccurate and false accounts being reported. This has been a recurring issue that remains unresolved despite my previous attempts to have it corrected. Its incredibly stressful, exhausting, and unfairly damaging my credit score and overall financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am filing this complaint against XXXX XXXX XXXX XXXXi ( XXXX ) regarding inaccurate and potentially unverifiable late payment reporting and derogatory closure status. The account details are : XXXX, XXXX, XXXX and XX/XX/year> This account reflects multiple late payments and was closed with a derogatory status. I dispute the accuracy of the reported delinquencies and the closure reason. Under FCRA 611 and 623, I am entitled to a reinvestigation of this information. If the creditor can not provide documented evidence of the delinquencies, the negative marks must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the validity of an account being reported and/or collected by LVNV Funding . Over the past year, I have submitted multiple written disputes directly to LVNV Funding requesting full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 15 U.S.C. 1692g ( b ). Despite my repeated requests, I have not received any response or proper validation as required by law.

LVNV Funding has continued to report or attempt to collect this account without providing documentation proving that the debt is valid, that the amount claimed is accurate, or that LVNV Funding has the legal right to collect on it. This lack of response constitutes a violation of my rights under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e, which prohibit continued collection activity and false or misleading representations of debt.

I am formally requesting that this account be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
ABLTY RECVRY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY RECVRY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
The company charges PMI if a downpayment of less than 20 % is given which is standard. However, upon reaching 20 % principal, PMI is still not removed. The website says 22 % is needed, which I confirmed when talking to a rep and that PMI would be removed after this. I pay the principal town to 78 % percent, call to remove PMI, and now they make up another excuse, saying I'm in a disaster area and XXXX don't allow it. I have the choice to pay yet another fee for a new appraisal, which doesn't assure removal of PMI, and unclear what other options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
I purchased a Money Transfer from Western Union at XXXX. It was to be sent to a pastor in XXXX. This was on XXXX XXXX, 2025. Western Union refused to send money, but did not notify me. I called them on XXXX XXXX and they said they were not going to send money. I got a number from WU and went back to XXXX, but they said they would not give refunds. I tried XXXX other institutions in XXXX XXXX, Ok to get refund. No one would give refunds in this amount ( {$5800.00} ). I called back to WU XXXX more times and were told the same thing that they could not or would not transfer these funds back to my church 's account. I get the same thing each time I call WU and their agents would not give me any names or contact information other than the one I call each time. It's been over a month and many hours of conversations with XXXX agents, but no results. Please help me follow up with Western Union to retrieve my funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to LVNV Funding LLC through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that LVNV Funding LLC receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I obtained a loan through XXXX XXXX. The rate is way too much for me to keep up with and I believe this may violate state usury limits. I also feel the loan terms were misleading or predatory.

Im struggling through life with this loan and would like for them to forgive this. The amount was for {$3800.00}. Obtained this sometime in XXXX of 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I reviewed my credit report and I noticed that there are some incorrect information reporting on my credit report Please assist me in getting the following items resolved : Incorrect Addresses & Employer XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts do not belong to me : XXXX XXXX - XX/XX/year> I was never XXXX, XXXX, and XXXX late with on this account : 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 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I am a borrower on track for public student loan forgiveness ( PSLF ), with my loans currently serviced by MOHELA. My PSLF count is currently XXXX months less than it should be ( exact months in question listed below ) due to incorrect loan statuses that Mohela refuses to correct. 

I have attempted all avenues of resolution available to me as an individual borrower over the last several months without success. These attempts have included contacting XXXX, countless contacts with MOHELA urging correction of the incorrect loan statuses, and finally, a complaint with the XXXX XXXX XXXX ( XXXX ) all without resolution. The unjust delay of my PSLF forgiveness strongly and negatively impacts my financial security, professional opportunities, and family needs.

I am seeking the CFPBs immediate help and advocacy to compel MOHELA to immediately correct the inaccurate historical loan statuses preventing the below months from being PSLF-qualifying. I am aware there may be multiple different types of loan statuses including potential in-school forbearances, administrative forbearances, or other administrative loan statuses preventing them from counting as qualifyingas a borrower, I am not privy to the details of these back-end, administrative categorizations. But, regardless of the reason, these months must all be corrected, as they should all be qualifying. All of the following months represent periods during which I worked full-time for a qualifying employer, was on a qualifying payment plan, was not enrolled in school, was not in grace period, and did not request forbearance or deferment for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I wired {$48000.00} dollars to XXXX XXXX XXXX at a Bank of America account for a vehicle purchase. The vehicle never arrived and Bank of America responded to my credit union that there was no money available and the account was closed no further action will be opened on a hold harmless 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