vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am writing to file a dispute regarding several inaccurate and incomplete items on my credit report. Below, I have outlined the specific accounts in dispute, separated by credit bureau, and am requesting a thorough investigation to resolve these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 


Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-11-14 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts remove immediately. Credit collection service account number XXXX amount {$210.00}, LVNV Funding LLC account number XXXX amount {$860.00}, LVNV funding LLC account number XXXX amount XXXX, LVNV funding LLC account number XXXX amount {$1600.00}, LVNV funding LLC account number XXXX amount {$2900.00} LVNV funding LLC account number XXXX amount {$490.00} and sunrise credit service account number XXXX amount {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I am asking the CFPB to require XXXX XXXX XXXX XXXX to recall my credit-card accounts from Kohn Law Firm and allow me to resolve them directly. Kohn is not following fair debt collection practices and has not provided the legally required written notice of my rights. 

XXXX transferred two charged-off credit card debts ( originally from XXXX XXXX  and XXXX ) to Kohn Law Firm on 09/24/2025. After that date, I never received any written validation notice from Kohn. I did not receive any letter stating the amount of the debt, the name of the creditor, or my 30-day right to dispute the debt.

When I finally spoke with Kohn by phone, they read back a phone number that belongs to someone else I know. That person told me they had been getting calls for months and assumed they were scams. When I pointed this out, Kohn immediately deleted the number and would not repeat it. This indicates that their prior contact attempts and any notices were going to a third party, not to me.

During my calls with Kohn, two different representatives refused to discuss any settlement or payment options unless I completed their financial disclosure form and gave them my employer information, salary, and detailed monthly expenses. I explained that I am not comfortable sharing such sensitive information with a third-party law firm due to privacy and data-breach concerns. I told them I am willing to work out a reasonable payment or settlement, just not on the condition that I turn over my private financial details. Both representatives told me that if I would not provide a financial statement, then I would have to pay the full balance and they were done. 

I then contacted XXXX directly and explained : that Kohn had the wrong phone number, that I had not received any written notice from Kohn, and that I am trying to resolve these debts but do not want to give unnecessary personal financial information to a law firm. 
XXXX told me there was nothing they could do because the accounts were with Kohn and refused to escalate or recall the file.

I want to be clear that I am not disputing that the debts exist. I have already settled or entered payment plans with other creditors and collection agencies and am actively working to clean up my credit. My complaint is about how Kohn is collecting these debts : failing to provide a written validation notice, using incorrect contact information so notices went to someone else, and conditioning any discussion of payment options on me disclosing my employer, salary, and a detailed financial statement.

I am asking for CFPBs help to correct these issues so I can resolve the debts in a lawful, fair, and privacy-respecting way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I am disputing inaccurate information appearing on my Equifax credit report. The items listed below do not reflect accurate, complete, or verifiable reporting. I am requesting that each account and inquiry be investigated and that Equifax provide documentation proving their accuracy, or remove them promptly if they can not be verified. 

Charged-Off Accounts No charged-off accounts were included in my report for Equifax, but inaccurate or unverifiable information may be present. Please verify all charged-off reporting and remove any accounts that can not be validated. 

Unauthorized / Improper Inquiries The following inquiries appear on my report without my authorization or valid permissible purpose under the FCRA : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These companies did not have my permission to access my credit file, and I did not apply for credit with them on or around these dates. Please investigate these inquiries and remove any that can not be proven to have been authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am disputing the following charged-off account with Experian. Please review and correct if necessary : XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, {$1700.00}

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-14 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-14 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: NC

Complaint narrative:
After reviewing a copy of my credit report, I have noticed that i have fraudulent accounts listed on my credit report. The negative accounts have impacted my ability to obtain new credit. Please remove the negative acounts from my credit report as i have been a victim if 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 non-monetary relief
Consumer complaint received 2025-11-14 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:
After reviewing a copy of my credit report, I have noticed that i have fraudulent accounts listed on my credit report. The negative accounts have impacted my ability to obtain new credit. Please remove the negative acounts from my credit report as i have been a victim if 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 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I received a call from XXXX XXXX, a third-party debt collector working on behalf of USAA, regarding the remaining balance of my auto loan. 

During this call, the XXXX agent made a verbal settlement agreement on a recorded line, stating that if I paid the remaining balance of {$1500.00} in full : All derogatory information including the charge-off, delinquencies, and negative reporting would be deleted from all three credit bureaus. 

The XXXX agent clearly stated this agreement on the recorded call. 

I paid the full {$1500.00} exactly as requested. 

USAA accepted the payment, but neither USAA nor XXXX honored the agreement. 
The negative marks are still appearing on my credit reports. 

This is a violation of : FCRA ( furnishing inaccurate or misleading information ) FDCPA ( false or misleading representations by a collector ) Breach of a verbal settlement agreement I have repeatedly requested the recording from XXXX, but they have refused to provide it. 
This recording is essential, as it contains the pay-for-delete promise made by their agent while acting as USAAs representative. 

I am requesting : 1. Production of the XX/XX/year> call recording 2. Deletion of all derogatory reporting, as agreed 3. A full investigation into XXXX and USAAs handling of this account 4. Correction of all credit reporting violations This matter has caused ongoing financial harm, denial of credit, and emotional stress as the derogatory marks remain despite me fulfilling my part of the agreement. 

I am requesting the CFPB to intervene and require USAA and XXXX XXXX to honor the agreement and provide the recorded call. 

Consumer : 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 2025-11-14 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: FL

Complaint narrative:
I received an email notification that XXXX collection accounts were added to my Experian Credit profile ( account information ) XXXX XXXX XXXX -Account numberXXXX XXXX XXXX XXXX-Account numberXXXX both in the amount of {$1200.00}. I informed the representative that I have no knowledge of these accounts, I also informed the representative that I was XXXX of the people involved in the XXXX data breach that exposed me being a fraud victim. These accounts should be deleted from my credit profile and the creditor should be notified that the accounts are fraudulent accounts.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there was fraudulent activity on my account. Please remove the fraudulent activity because its hindering my ability to obtain 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I recived a call from a csr with Dovermule mortgage on Friday XX/XX/XXXX at XXXX XXXX Saying they have not received my payment. I had the XXXX send by bill pay from my bank with XXXX. I was informed by XXXX at XXXXXXXX XXXX. That Dovermule did recive my payment I asked XXXX to send proof of payment to me with date .Dovermule recived payment and fax proof of payment to Dovermule so the phone harsment will quit. My bank did but Dovermule phone harsment did not XXXX calls today on XX/XX/XXXX. Saying pay them money because I did not pay them. A bigger is the escrow reviews by Dovermule I was told I was not done this year and they did not do XXXX. My mortgage insurance drop from XXXX a year to XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX as authorized agent for XXXX XXXX contacted Wells Fargo to payoff her home mortgage. On XX/XX/year>, XXXX contacted Wells Fargo and requested the payoff statement and Wells Fargo faxed it to XXXX. On XX/XX/year>, XXXX XXXX wired the full payoff amount, {$290000.00}, in accordance with the statement. XXXX XXXX called XXXX because she was still getting bills for her mortgage. I called Wells Fargo and they stated a fraudster intercepted the fax and now they deny it. They returned {$170000.00} and refused to refund {$120000.00}. XXXX lost his carrier, title insurance agency, employment, and left XXXX in a financial crisis.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : Bank of America refused to honor a sign-up bonus that was not disclosed as ineligible in the written terms. 

Complaint : I opened a new Bank of America credit card account in response to an offer that clearly stated I would receive XXXX bonus points after making {$1000.00} in purchases within 90 days. I followed all the written terms and conditions exactly as stated. 

After doing this, Bank of America informed me that my account was ineligible solely because my card is a secured credit card. However, the full terms and conditions of the offer do not state anywhere that secured credit cards are excluded from earning the sign-up bonus. I reviewed the entire document line-by-line. 

There is no disclosure that secured accounts do not qualify. The terms only list the spending requirement, no cash advances/balance transfers, and having the account open. I met all required conditions. 

By denying the bonus based on an exclusion that was not disclosed in the written offer, Bank of America is applying an internal, non-public rule that contradicts the consumer-facing terms I agreed to. This is misleading and unfair, because a consumer can not be held to an eligibility requirement that was never stated. 

I am requesting that Bank of America : XXXX. XXXX the XXXX bonus points as stated in the written offer, or XXXX. Provide an equivalent goodwill credit, since the exclusion was not disclosed before I opened and used the account. 

I am submitting this complaint because Bank of America has refused to honor the terms they provided and is relying on undisclosed internal rules to deny the benefit. 

Thank you for your help in resolving this issue.

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 2025-11-14 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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