vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX LVNV FUNDING LLC REPORTED XXXX of no such debt with them. My action was I sent a for DEBT VALIDATION REQUEST XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraud Incident Narrative XX/XX/year>XXXX  On XX/XX/year>, at approximately XXXXXXXX XXXX while I was driving, I received a text message that appeared to be from Wells Fargo. The message stated : Verify Wells Fargo activity {$2700.00} at XXXX XXXX. 
Reply YES if you recognize this transaction, NO if you do not. 
To opt out of alerts, text STOP. 

Almost immediately after receiving this message, I received a phone call from XXXX ( XXXX ) XXXX ( XXXX XXXX, CA ). The caller identified themselves as being from Wells Fargo and informed me that there was suspicious activity on my account. 

The caller claimed that the person attempting to use my card also had my Wells Fargo online banking login information, and that for security reasons we needed to create a new account and transfer my funds to keep them safe. 

For approximately 30 minutes, the caller ( a woman at first, who later transferred me to a man claiming to have more authority ) impersonated Wells Fargo employees. They directed me to transfer {$4900.00} from my checking account into my XXXX XXXX account, stating this was necessary to hold the funds temporarily while creating the new account. 

The funds were then moved from XXXX XXXX into a XXXX card that had been added into my XXXX XXXX. I was told by the caller that this was part of the process to protect the money until my new account was ready. 

Afterward, the caller provided me with what they described as a new bank card and instructed me to move the money into it. Once I did, I was told to delete the XXXX card from my Apple Wallet. I was assured that within 20 minutes the funds would appear back in my Wells Fargo account. 

No funds were ever returned. 

I have retained screenshots and call logs showing : The fraudulent text message, The phone number used to call me, The XXXX XXXX and XXXX transactions, and The sequence of communications during the incident. 

This was a case of criminal impersonation of Wells Fargo. I did not authorize these transactions I was tricked by fraudsters who misrepresented themselves as Wells Fargo employees.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
On XX/XX/year>, I received a collection letter from Lloyd & McDaniel , PLC, claiming to collect a disputed XXXX  XXXX account ending in XXXX. The letter states that I owe {$15000.00}. 

This same account had already been assigned to XXXX XXXX XXXX XXXX earlier in XXXX. XXXX later admitted in writing that they : Never reported the account to any credit bureau. 

Ceased all collection activity. 

Returned the account to XXXX XXXX. 

Despite XXXX withdrawal, XXXX XXXX has now reassigned or sold the account to Lloyd & McDaniel. The balance claimed by Lloyd & McDaniel conflicts with prior collection communications and with XXXX XXXX own reporting, creating material inconsistencies in the alleged debt. 

Lloyd & McDaniels letter fails to provide any validation of the debt beyond a balance amount. There is no copy of a contract with my signature, no chain of custody of the account, and no accounting to explain how the alleged amount was calculated. This raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), which requires debt collectors to provide proper validation upon request and to cease collection until validation is provided.

By attempting to collect without producing validation, and by asserting a right to collect on a debt that has already been disputed and rejected by a prior collector, Lloyd & McDaniel is engaging in deceptive and unlawful collection tactics. Their conduct is also causing continued damage to my creditworthiness, since XXXX XXXX continues to report this account as a charge-off with balance owed. 

This conduct violates : FDCPA ( 15 U.S.C. 1692g, 1692e ) failure to validate debt, false representation of legal status, use of misleading collection practices.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) attempting to collect on an account where the reported balance is inconsistent and unverifiable.

Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ( 9 ) ) asserting the existence of a legal right that does not exist.

Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ) engaging in unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
The following accounts are disputed : XXXXXXXX XXXX XXXX XXXX  Reported as Collection/Chargeoff. I dispute this account as inaccurate and request verification or deletion. 

DiscoverCard Secured Credit Card Reported as Past Due/Collection/Chargeoff with {$330.00} balance. I dispute this reporting as inaccurate and request verification or deletion. 

XXXX XXXX XXXX  ( XXXX XXXX ) Reported as Past Due/Collection/Chargeoff with {$470.00} balance. I dispute this reporting as inaccurate and request verification or deletion. 

XXXX / XXXX XXXX Reported as Collection/Chargeoff. I dispute this account as inaccurate and request verification or deletion. 

XXXX XXXX Reported as a Collection Account with {$460.00} balance. I dispute this debt as inaccurate, unverified, and request proof of ownership and validation or removal. 

XXXX XXXX XXXX XXXX Reported as Collection/Chargeoff . I dispute this entry as inaccurate and request verification or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AR

Complaint narrative:
Im filing a complaint because a XXXX ( Government Overpayment ) account is being reported on my credit report as a collection/charge-off with a balance of {$270.00}. This reporting is inaccurate and unverifiable. There is no valid contract or documentation with my signature to support this account, yet it is still being reported as derogatory. 

The information also fails to meet Metro 2 compliance standards, which are supposed to ensure that credit data is reported consistently, completely, and accurately across all bureaus. Instead, this tradeline is incomplete and misleading.

The Fair Credit Reporting Act ( FCRA 1681e ( b ) ) requires credit bureaus and furnishers to maintain maximum possible accuracy. Allowing unverifiable or inconsistent data to remain in my file violates that requirement and creates a false impression that I mishandled my credit.

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 2025-09-13 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: VA

Complaint narrative:
I am sending to formally dispute inaccurate information on my Experian credit report concerning my student loan accounts reported by XXXX. 

Upon reviewing my credit report, I noticed that two separate entries are listed under the same loan number. However, these entries reflect different balances and opening dates, which is both confusing and misleading. This appears to be a duplication error. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$52000.00} Date Opened : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$61000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Issue : Incorrect Student Loan Balance Reported Details : I am experiencing a serious reporting error related to my federal student loans. 
My XXXX  credit report is currently showing a Dept. of Education/NELN loan balance of approximately {>= $1,000,000}. 
My StudentAid.gov account also reflects an inflated balance of {>= $1,000,000}. 
My actual loan balance should be significantly lower. This sudden increase from {$66000.00} to nearly {$4.00} XXXX is clearly a reporting or system error. 

This incorrect reporting is damaging to my credit and causing significant distress. 

Requested Resolution : Immediate investigation into the error. 
Correction of my account balance to reflect the true principal and interest owed. 
Confirmation that corrected data has been furnished to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC Bank , National Association XXXX. XXXX XXXX XXXX, OH XXXX Reference # : XXXX Subject : Request for Reconsideration and Compliance with ECOA & FCRA Dear Underwriting Services, I am writing in reference to your letter dated XX/XX/year>, in which my application for a Business Credit Card was declined under the stated reason that our records indicate you were recently declined for the same request. 

While I understand the need for consistent underwriting standards, I respectfully submit that this denial does not sufficiently comply with the requirements of federal law and does not reflect the strength of my credit profile. 

1. Equal Credit Opportunity Act ( ECOA ) 12 CFR 1002.9 Under ECOA and its implementing regulation, creditors must provide a clear and specific statement of the reasons for adverse action. The explanation provided is vague and does not describe the actual creditworthiness factors considered in your decision. I therefore request a detailed statement of the substantive reasons for denial, as required by law.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The FCRA ensures that consumer report information used for credit decisions must be complete and accurate. A high number of inquiries, without corresponding derogatory accounts, delinquencies, or late payments, does not in itself constitute increased credit risk when placed in the proper business context. My credit file shows a strong history of responsible repayment and stability. 

3. Right to Reconsideration Pursuant to the principles outlined under the ECOA, I am entitled to request reconsideration when new or clarifying information is provided that may materially affect the credit decision. My history demonstrates consistent, on-time payments, stable income, and responsible account management, all of which warrant a full reconsideration of my application.

4. Value of Relationship I believe PNC Bank will benefit from my business as a responsible and loyal client. My intent is to utilize the Business Credit Card to responsibly manage cash flow, support growth, and strengthen a long-term relationship with your institution.

For these reasons, I respectfully request that my application be re-reviewed in full, considering my overall credit profile, financial stability, and the positive context of my credit history. I am prepared to provide updated documentation, including recent credit reports, bank statements, and tax returns, should they assist in your reassessment. 

Thank you for your attention to this matter. I look forward to your prompt and favorable reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
DELETE INACCURATE PERSONAL INFORMATION AND UPDATE MY CORRECT NAMES, ADDRESS

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The following accounts are disputed : XXXX XXXX XXXX XXXX Reported as Collection/Chargeoff. I dispute this account as inaccurate and request verification or deletion. 

XXXX  Secured Credit Card Reported as Past Due/Collection/Chargeoff with {$330.00} balance. I dispute this reporting as inaccurate and request verification or deletion. 

XXXX XXXX XXXX  ( XXXX XXXX ) Reported as Past Due/Collection/Chargeoff with {$470.00} balance. I dispute this reporting as inaccurate and request verification or deletion. 

XXXX / XXXX XXXX Reported as Collection/Chargeoff. I dispute this account as inaccurate and request verification or deletion. 

LVNV Funding Reported as a Collection Account with {$460.00} balance. I dispute this debt as inaccurate, unverified, and request proof of ownership and validation or removal. 

XXXX XXXX XXXX XXXX Reported as Collection/Chargeoff . I dispute this entry as inaccurate and request verification or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: OH

Complaint narrative:
Do not recognize that inquiry XXXX  ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and am filing this complaint regarding an account that does not belong to me. I previously disputed an account reported by XXXX XXXX, reference number # XXXX, which was subsequently removed from my credit report. However, this same account has reappeared despite having been previously deleted. 

I have no knowledge of, nor have I ever entered into, any contractual or financial agreement with XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I exercised my right to request validation of this alleged debt. XXXX XXXX failed to provide the legally required validation within the statutory time frame. 

The continued reporting of this unverified and fraudulent account constitutes inaccurate and unlawful credit reporting. I respectfully request that the CFPB investigate this matter, compel XXXX Funding to cease reporting this account, and ensure its permanent removal from all of my credit files. 

I am seeking enforcement of my rights under federal law and full relief from the harm caused by this unauthorized and fraudulent account.

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 2025-09-13 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:
XXXX XXXX Social Security Number : ( XXXX ) Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a account opened at XXXX on XX/XX/XXXX under the account number # XXXX, This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account on my consumer credit report maintained by you was not opened, made, or initiated by me. The aforementioned accounts is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

PRO COLLECT Account Number : XXXX Please remove it from my credit report. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

PRO COLLECT Account Number : XXXX Please remove it from my credit report.

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 2025-09-13 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-13 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation