vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information and I also request each Furnisher policies and procedures regarding the FCRA. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; I am requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. 

There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent item be XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX Balance $ XXXX XX/XX/year> XXXX XXXXXXXX XXXX /Accnt # XXXX Balance $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX Balance $ XXXX XX/XX/year> After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: VA

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 TILA US Code 1666B 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 explanation
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is fasely trying to collect {$16000.00} with an original disbursement date of XX/XX/year> when I wasnt even in school at that time. I attended XXXX XXXX from XXXX and any debt from that time should automatically be removed. Please update to show a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV LLC In the amounts of {$1500.00} and {$1300.00} To Whom It May Concern : I am formally requesting that you cease and desist from any further contact with me regarding the alleged account referenced in your communications until you have fully complied with the following requests for validation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692c ), I dispute this alleged debt in its entirety and request proper documentation to establish : 1. Proof of Original Creditor Written documentation showing that you are the legal owner of this alleged debt or have been properly assigned it. A mere charge-off account or balance transfer does not constitute legal proof of ownership.

2. Wet Signature Contract A complete copy of the original agreement bearing my wet signature that created the alleged obligation. Photocopies, digital reproductions, or unsigned agreements will not suffice.

3. Full Accounting An itemized statement showing how the amount you claim was calculated, including all fees, charges, interest, and credits applied since origination.

Until such documents are furnished, you must cease all collection activities, including but not limited to phone calls, letters, negative credit reporting, or legal threats. Be advised that any attempt to collect without proper validation constitutes a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General.

Additionally, if you can not produce the requested documentation, you must : Cease collection immediately Remove any reporting of this alleged debt from all credit bureaus Confirm in writing that your office considers this matter closed This letter serves as my formal notice to you. Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 an unauthorized address being reported on my consumer credit file, as well as multiple fraudulent hard inquiries that I did not authorize or initiate. 

Fraudulent Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize the aforementioned address or inquiries as belonging to me. The aforementioned address and inquiries appearing on my consumer credit report maintained by you were not provided, authorized, or initiated by me. All of the aforementioned entries are the result of identity theft and fraud.

FTC Identity Theft Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-15 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Previously opened up a complaint against them was contacted today, by customer service where they proceeded to get hostile and when I started recording the phone call, they stated they will not be having this conversation if theyre being recorded and hung up

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 2025-09-15 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 am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : 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 PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company asked for a copy of my lease where I was staying at the time of the debt their collecting on, I sent the lease I was under from another state. I was told they will remove the debt, instead has been emailing and calling me nonstop about the debt and I have asked for the calls to stop and for the debt to be removed from all three credit bureaus which was agreed upon from my initial complaint filed. They have since been harassing me through calls and emails about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: IN

Complaint narrative:
In XXXX, I entered into a reaffirmation agreement with Westlake Financial through my XXXX  attorney, which required XXXX  monthly payments. Between XX/XX/XXXX and XX/XX/XXXX, I made these XXXX payments in good faithtotaling approximately {$4400.00} {$4700.00}. 

Despite fulfilling this agreement, Westlake is now claiming I owe an additional {$820.00}, threatening repossession. My reaffirmation agreement does not mention any additional charges beyond the XXXX payments. No detailed breakdown has been provided. 

On XX/XX/XXXX, my XXXX  attorney confirmed that : The reaffirmation only required XXXX payments. 

I made those XXXX payments ( though some may have been late or doubled in a single month ). 
Westlakes sy
stem may be applying payments in a way that shows a false balance.

Still, Im being told to pay an extra $ XXXX with no transparent accounting or legal basis. 

I am requesting : A full payment history and breakdown showing how this alleged balance was calculated. 

That any late fees or interest beyond the original reaffirmation be waived due to lack of transparency and good faith payment history. 

That repossession be permanently canceled since I met the original agreement terms. 

I am financially vulnerable and can not afford to pay fees that were not agreed to, nor can I risk losing my vehicle unfairly. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$5800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Continuous calls stating i am approved for loan, or collecting a debt. Asks me to verify personal and confidential information that could lead to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, Select Portfolio Servicing ( SPS ) claims to have sent me a letter dated XX/XX/XXXX, offering a Trial Modification Plan with a first payment due on XX/XX/XXXX. I never received this letter, so I had no opportunity to accept the plan. SPS later deemed the offer withdrawn on XX/XX/XXXX, because no payment was made. This was not due to my failure, but because I was never notified. 

A couple weeks later SPS responded to an inquiry and informed me for the first time that this XX/XX/XXXX trial plan had been offered and expired. By that time, it was too late for me to act. Because of SPSs failure to provide effective notice, I lost access to a critical foreclosure-prevention option. 

Separately, in XXXX, I applied for a mortgage assistance program. The review process lasted several months. At the final stage, I was told I was ineligible because I had previously received COVID-era assistance. This disqualifying factor should have been identified at the very beginning of the application process, not after months of delay. The delay wasted time, allowed my delinquency to grow, and increased my financial hardship.

These two issues failure of notice on the Trial Payment Plan and unreasonable delay with the assistance application demonstrate mishandling of my loan and violations of federal servicing rules that require timely, accurate information and prompt evaluation of loss mitig
ation applications.

As of now, I am at risk of foreclosure even though I have an active appeal of SPSs decision. Federal law prohibits foreclosure initiation while an appeal is pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On or about XX/XX/year> am I received a text message from PayPal security verification asking if I authorize {$1900.00} transaction to XXXX XXXX my response was no. The response I got back was they would put it in as fraud and the transaction would not process. In the next couple days I was alerted by my bank of being overdrawn. PayPal had authorized the transaction. I immediately called them spoke with a representative and advised her I had no idea who this person was and when I recvd the text message I advised no. She confirmed with me she saw the text message and placed the transaction is dispute. I checked in the next couple days and the dispute had been reversed and the transaction submitted again to my bank. I spoke to paypal several times explaining I had no idea who this person was and I did not do the transaction or approve it. PayPal refuses to dispute so I spoke to my bank and they disputed the charge closed my bank account of XXXX and I had to reopen a new bank account. PayPal now is saying I owe them the {$1900.00} dollar and have debited my paypal account for this amount and are threatening to report to the credit bureaus if I dont pay this. I do not know this person and her contact information is on my paypal account. I would like this taken care of removed from my paypal account that account closed and my credit bureau if affected to be restored to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CT

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief