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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. remove this 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery Solutions Group, LLC
State: AZ

Complaint narrative:
Ongoing communications with Recovery Solutions Group ( RSG ) regarding an alleged debt have been confusing and inconsistent. They have referenced multiple different amounts at different times, without any clear explanation of where those numbers came from, when they were billed, or how they were calculated. Some communications even included contradictory information about interest, with no consistent or transparent accounting.

Because of these inconsistencies, it has been impossible to determine what amount, if any, is actually valid. Despite this, no original bill or final invoice has ever been provided before the account was placed in collections.

I have made repeated requests by certified mail and email for proper validation, including a copy of a final bill, the date it was issued, and proof of delivery. Instead of providing these, RSG has repeatedly sent insurance estimates, which they are claiming suffices as a bill. They have also claimed that they have already provided proof, but this is inaccurate, as no proper bill has ever been issued.

In addition to these issues, both RSG and the company that turned this account over to collections are fully aware that we have been in an ongoing dispute with the original contractor over damages to our home. The contractor acknowledged responsibility for the damage and promised to remedy it, but has failed to do so in more than two years. We formally put them on notice of our position and demanded correction, and they acknowledged receipt of that notice but never took steps to resolve the matter. We were never issued any form of bill from the contractor, but the damages to our home exceed {$13000.00}. This includes formal testing from an environmental testing company that documented the damage and outlined the cost of remediation. 

As a result, I have been left without the ability to confirm, understand, or resolve the alleged debt.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing to dispute the above accounts because they are being reported incorrectly and unfairly. When I pulled my credit reports, I noticed several issues that should not exist : The balances dont match across XXXX , Experian, and XXXX .

The status isnt consistent one bureau says charge-off, another says open derogatory. 
The dates of delinquency dont line up, which makes it impossible to calculate the proper reporting period under federal law. 
The same account is being duplicated across bureaus, which exaggerates the negative impact on my file. 

This kind of inconsistent reporting violates both federal and state law. Under the FCRA ( 623 and 611 ) and the Texas Finance Code, youre required to make sure anything you furnish is complete and accurate. If it cant be verified with full accuracy, then the law requires deletion not just another update that leaves conflicting information in place.

Ive already submitted this dispute through the CFPB and included copies of the reports showing these issues.

What Im Asking I need XXXX to delete these tradelines completely from all three credit bureaus. The way theyre reporting now is false and damaging, and its your responsibility to fix it. Updating bits and pieces wont solve the problem the only fair outcome is full deletion. 

Please send corrections to the bureaus right away through e-OSCAR and confirm in writing that this has been done. 

If this isnt resolved within 7 days, Ill have no choice but to take the next step, which includes legal action under the FCRA and Texas Finance Code. This letter also serves as my intent to sue if the inaccurate reporting continues. 

Sincerely, 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 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my credit report is reflecting wrong and unverifiable addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are inaccurate, misleading, and have no legitimate connection to my personal history or residence. Their presence on my credit report creates confusion, misrepresentation, and raises concerns about potential identity theft or file-mixing. 
According to the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy of the information they report. By continuing to display addresses that are demonstrably incorrect, the credit bureaus are in direct violation of FCRA 607 ( b ) and 609.

I have the right to : Dispute and demand removal of any inaccurate, unverifiable, or obsolete information under FCRA 611.

Request that only accurate and verifiable identifying information remain on my credit file.

Seek CFPB enforcement action if these violations persist.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Tried to access my online account to pay bills and the log-in page would not work. After repeated tries to log in it said my account was locked and to call the number on the screen. I called that number and was told by XXXX that he could do nothing to help me log in, and gave me an address to verify my identity ( XXXX/verify ). That url said to submit a photocopy of a ID card but NOT one of a military ID. Since I am a XXXX veteran and do not drive I have no driver 's license or other form of ID, I only have a military ID. Now I am locked out of my USAA account and can not pay my bills nor access the money I have in the checking 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: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A.R.M. Solutions, Inc.
State: NY

Complaint narrative:
In XXXX, XXXX I started a log of calls received daily ( Mon.-Fri ) from A.R.M. Resolutions, Inc., a debt collector. The calls had started in XXXX and have continued. I had been in contact with the original creditor, XXXX XXXX XXXX in XXXX and again in XXXX and had explained to them I was experiencing financial hardship and had to cancel their services. I also told them I would continue to pay the amount I owed until the bill was paid in full. The total owed at that time was {$170.00}. I didnt dispute the bill. 

In XXXX, XXXX I received the 1st statement dated XX/XX/XXXX from A.R.M. Resolution, Inc. The remittance information was to the original creditor, XXXX XXXX XXXX at their billing address. 
Payment by check made. Balance left {$150.00}. A second payment has since been made leaving a {$120.00} balance, yet they still continue to call. As you can see from the log I have provided, A.R.M Resolutions , Inc. calls are from different area codes and telephone numbers each time. 

I believe this company is violating the Telephone Consumer Protection Act 47 U.S.C. 227 ( e ) Debt collection using spoofed numbers to evade blocking and the Fair Debt Collection Practices Act 15 USC 1692d ( 5 ) Causing a phone repeatedly with intent to annoy, abuse, or harass. 

I sent written correspondence to them on XX/XX/XXXX, asking them to cease and desist the calls and to correspond through my continue. On XX/XX/XXXX, I spoke to one of their representatives and again asked them to stop calling. 

I believe the communication tactics they are using is a violation of telecommunication laws, consumer protection and debt collection laws. 

There have been 21 calls since I started my log. These calls started at least two months before I started the log. I havent disputed the debt and find their tactics disturbing and completely unlawful. It is very upsetting to be harassed for a debt that I am paying down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to disclose how my {$1500.00} per month payment was calculated, provide itemized application of my money as appear on the ledger of account receivable owned by the Creditor On XXXX XXXX lawyer in my bankruptcy case presented Claim where PennyMac Loan Services LLC is listed as my only and the original Creditor This Lawyer demanded me to pay {$1500.00} per month due to escrow increase to & XXXX I currently have very substantial escrow surplus and no escrow payments at all. 

According to payment history my escrow surplus on XXXX XXXX was {$760.00} plus my payment {$1300.00} for home insurance According to Artificial intelligence on XX/XX/year> my escrow surplus is {$620.00} which does not appear anywhere in payment history I continue to pay {$1500.00} per month because this lawyer blocks all my attempts to validate the correct amounts to amend my Plan Why this lawyer still demands me to pay {$1500.00} per month if I do not owe any escrow at all? 

How these {$1500.00} were applied on the account receivable of the Creditor? 

On XXXX XXXX here was another profit {$1200.00} paid by unknown to me insurer Please disclose the source of this payment Please itemize and provide me direct contact to the accountant or bookkeeper who has personal knowledge about all amounts paid and why my payments are not adjusted accordingly

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Dear CDR Genesis, I am disputing the above apartment collection account for the following inaccuracies : Balance inconsistencies ( {$10000.00} reported on XXXX bureau vs. {$9.00}, XXXX  on another ). 
Conflicting statuses : reported as both collection and charge-off. 
Inconsistent date reporting. 

These violations fall under FCRA 623, XXXX XXXX XXXX, and SCRA protections.

This matter has been raised with the CFPB with screenshots of the conflicting data. Please delete or correct this tradeline and notify all credit bureaus via e-OSCAR. 

If no action is taken within 7 days, I will pursue litigation. This letter serves as my intent to sue. 

Respectfully, XXXX XXXX XXXX

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to wells fargo ATM drive thru to the deposit some cash {$800.00} the date :XXXX I forgot the card inside the ATM machine I tried to use it until XXXX is when i noticed that I didnt have my card, the ATM is at the corner of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX california . 
I noticed that were some purchases until next day XXXX when i checked my account in the app of wells fargo. 
the card was used in food for less than : {$60.00} {$120.00} XXXX  : {$100.00} {$180.00} {$150.00} 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report has several misleading accounts and collections reporting negatively

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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has several misleading accounts and collections reporting negatively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
In XX/XX/year> when Mohela took over my loan, I was told my payments were ( rounding to nearest dollar because I dont remember the change ) {$210.00}. In XX/XX/year> I received a bill for well over twice that, and when I called they said it was because somehow only half of your loans were put on XXXX. They assured me that they fixed the error, but the next month the same thing happened. I spoke to Mohela again and they assured me that they had manually entered all of my loans and all would be well. This happened two more times before the XXXX plan was redacted. Notably, Mohela also told me that months of the government forbearance counted as qualifying payments towards XXXX XXXX XXXX XXXX, which also was a lie. 
Now my payments are starting again, and I got one email with a bill of XXXX and another for XXXX. When I went online it said XXXX. I have spent hours on hold, sent countless messages through their website, and no one can respond or actually connect me to someone who can explain this. Every financial decision Ive made in the past two years was based on a {$210.00} monthly payment and having almost 18 months worth of qualifying payments. They swore to me FOUR DIFFERENT TIMES that all of my loans were on a XXXX plan and their negligence has cost me more money than I can quantify. I can not afford over {$100.00} more per month than I was quoted. Their careless abuse of finances will impact the rest of my life, and I want someone to answer for that. ONE out of the dozen+ times I called I was able to leave a message for a supervisor. They called back while I was at work and did not leave a callback number, and I have not been able to speak to a human since except the last time, when I was on hold for nearly three hours, spoke to someone for a few minutes before being put on a brief hold only to immediately be disconnected. I will not pay another dime of my loan until someone answers for this.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$55.00} Credit Card Opened by the Thief Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$100.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$250.00}

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. remove this 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: CA

Complaint narrative:
I am a victim of identity theft. remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Numerous calls and email stating they have payment options for me and wanting me to put {$15.00} down to hold my payment option? Who even does this?!! My debt was with XXXX XXXX now portfolio recovery is reaching out. I want the verification that they obtained my debt legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX -- Referred by my XXXX  doctor to their XXXX XXXX  center at XXXX XXXX XXXX XXXX for an XXXX  XXXX. At the time the appointment was made, I specifically asked them how much my co-pay would be. An amount was not given but I was told it would be billed. 
XX/XX/XXXX -- Date of appointment. Still not told how much my part would be. 
@ XX/XX/XXXX -- The invoice arrived for {$5100.00} of which {$790.00} was billed to me. I immediately disputed as this was excessive for this type of care. 
Started with collection calls all of which I disputed and asked for the amount to be negotiated lower XX/XX/XXXX -- I started emailing advising of my dispute and the surprise billing. 
XX/XX/XXXX -- second email sent of my dispute and surprise billing rule. 
Received document by mail -- itemized breakdown of infusion bill XX/XX/XXXX -- emailed asking for reduction of the amount due to excessive for this type of treatment and XXXX  could have advised me of my co-pay and deductible amounts but chose not to. 
XX/XX/XXXX -- second request for status of my request for reduction XX/XX/XXXX -- I received email explaining billing but not why I was not informed beforehand of amounts I never received a denial or approval XX/XX/XXXX -- I emailed XXXX XXXX advising that I received a collections bill from XXXX XXXX XXXX and this account is in active dispute. 
XX/XX/XXXX sent email to collection company and XXXX XXXX advising of dispute and it not being resolved. 
XX/XX/XXXX -- XXXX XXXX XXXX moved my account to the disputes department. 
XX/XX/XXXX -- I emailed XXXX XXXX and XXXX XXXX disputing due to surprise billing and excessive charge for treatment XX/XX/XXXX -- account has been added to my credit by a company called Works and Lentz XX/XX/XXXX -- disputed this with XXXX XXXX XXXXXX/XX/XXXX -- account is now listed on my credit with XXXX XXXX XXXX XXXX XX/XX/XXXX -- email complaint to CFPB

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a detrimental impact on both my personal life and my overall 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 explanation