vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : EX 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kubota North America Corporation
State: MS

Complaint narrative:
Everything is explained in my resolution package ive already tried to resolve these accounts I got nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I get daily notifications someone is attempting to change my password. As such, I'd like to close the account. With it being a business account, I was instructed to call Venmo and speak with a live representative. Their answering service does not have an option to speak with anyone and, instead, plays a recorded message. I found if I hit XXXX I could be redirected to a representative ( I XXXX be assuming as no one ever answered ). I tried on XXXX and XXXX, holding for an hour each before giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: GA

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: TN

Complaint narrative:
PNC bank has been offering a {$200.00} promotional credit after spending {$1000.00} in 3 months after receiving a new credit card ( See attachment ). I applied and got my new PNC card in XXXX of 2025. I spent {$1000.00} by XXXX of 2025. I called PNC to ask when I would get my {$200.00}, and the rep. informed me is should be applied with my next bill in XXXX. It was not. I called in XXXX, XXXX, and XXXX ; each time, I was informed the credit would show on my next bill. During my last call in XXXX, I asked to speak with a supervisor. The supervisor said she would send this to an accounts resolution team, but I never was contacted. I filed a complaint with the XXXX in mid XXXX and have been contacted 3 times by XXXX with " Client Relations. '' Each time, she assured me I would get a return call with answers within a few days. I never did. This company is not honoring its promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Under this section, once a consumer provides an identity theft report, the bureau must block fraudulent itemsincluding hard inquirieswithin 4 business days.

I have already completed an FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2025-12-08 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:
Under this section, once a consumer provides an identity theft report, the bureau must block fraudulent itemsincluding hard inquirieswithin 4 business days.

I have already completed an FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS FRAUDULENT ACCOUNT ON IT. PLEASE REMOVED THIS ACCOUNT FROM MY REPORT, AS IT IS AFFECTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I have disputed multiple accounts directly with the consumer reporting agencies and the data furnishers. Despite these disputes, the information continues to be reported without proper validation, contractual proof, or evidence of a lawful obligation. 

The companies reporting the inaccurate information have failed to provide : A copy of an original signed agreement bearing my signature Proof of legal ownership or assignment of the alleged debts A complete and accurate accounting of the balances claimed Evidence of a reasonable investigation as required by law Specifically, the following accounts are being reported without lawful verification : Central Portfolio Control ( collection account ) XXXX XXXX XXXX XXXX XXXX XXXX ( collection account ) The continued reporting of these accounts without verification constitutes a violation of : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681g Failure to disclose the nature and source of the information FCRA 1681s-2 ( b ) Failure of furnishers to properly investigate disputed information FDCPA 1692e and 1692g False representation and failure to validate debt I am requesting that the CFPB require the companies involved to : 1. Provide full documentary verification of the alleged debts, or 2. Immediately delete the unverified accounts from all consumer reporting agencies I am also requesting confirmation that these companies cease any further inaccurate reporting and comply fully with federal consumer protection laws. 

Thank you for your assistance in enforcing my rights as a consumer.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I have disputed multiple accounts directly with the consumer reporting agencies and the data furnishers. Despite these disputes, the information continues to be reported without proper validation, contractual proof, or evidence of a lawful obligation. 

The companies reporting the inaccurate information have failed to provide : A copy of an original signed agreement bearing my signature Proof of legal ownership or assignment of the alleged debts A complete and accurate accounting of the balances claimed Evidence of a reasonable investigation as required by law Specifically, the following accounts are being reported without lawful verification : Central Portfolio Control ( collection account ) XXXX XXXX XXXX XXXX XXXX XXXX ( collection account ) The continued reporting of these accounts without verification constitutes a violation of : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681g Failure to disclose the nature and source of the information FCRA 1681s-2 ( b ) Failure of furnishers to properly investigate disputed information FDCPA 1692e and 1692g False representation and failure to validate debt I am requesting that the CFPB require the companies involved to : 1. Provide full documentary verification of the alleged debts, or 2. Immediately delete the unverified accounts from all consumer reporting agencies I am also requesting confirmation that these companies cease any further inaccurate reporting and comply fully with federal consumer protection laws. 

Thank you for your assistance in enforcing my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts : Bankruptcy Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account No : XXXX Date Reported : XXXX XXXXXXXX XXXX XXXX XXXX Account No : XXXX Date Reported : XXXX XXXX XXXX XXXX Account No XXXX XXXX Date Reported : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 to request full validation of the debt you are reporting and/or attempting to collect in connection with a repossessed vehicle. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2025-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 to request full validation of the debt you are reporting and/or attempting to collect in connection with a repossessed vehicle. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). 
Previous Addresses in Dispute XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX These addresses are outdated or incorrect. Please investigate and remove any inaccuracies. 

Charged Off Accounts in Dispute XXXX XXXX : XXXX, XX/XX/XXXX, {$420.00} XXXX XXXX : XXXX, XX/XX/XXXX, {$2600.00}

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 2025-12-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am filing this complaint because Rushmore Loan Management Services is refusing to properly evaluate my mortgage for all investor-approved loss mitigation options. 

I am approximately XXXX  days delinquent. I submitted a full loss mitigation application, but Rushmore agents told me verbally that my application will be denied before it was ever reviewed by underwriting. I was also told the ONLY option available is an unaffordable repayment plan requiring {$20000.00} per month. 

This repayment amount does not reflect my documented income and is not affordable. 
Rushmore has refused to provide any written denial, any documentation showing that underwriting reviewed my file, or the investor guidelines they claim limit my options. 

Under XXXX XXXX XXXX ( Reg XXXX ), I am entitled to : A complete loss mitigation review by underwriting, Evaluation of ALL available investor-approved workout options ( repayment, deferral, mod, etc. ), A written decision explaining the denial of each option, if applicable, Documentation of every option evaluated, Appeal rights, and Access to investor guidelines showing which options exist for my loan.

Rushmore has not complied with these requirements. Instead, they insist on only XXXX unaffordable option and issued a verbal pre-denial before any proper review. 

I am requesting CFPB assistance to : XXXX. Require Rushmore to perform a full underwriting review of my application, XXXX. Provide written investor guidelines showing all permitted loss mitigation options, XXXX. Provide a written determination with all required disclosures and appeal rights, XXXX. Stop insisting that a $ XXXX repayment plan is the only option, XXXX. Offer all investor-approved alternatives as required by law. 

I am willing and able to enter a reasonable workout, but Rushmore is not following proper federal servicing procedures, and their actions are preventing a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

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 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