vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( XXXX USC XXXX Sec. XXXX ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I submitted my original loan application on XX/XX/XXXX, with a mortgage broker XXXX XXXX XXXX I was conditionally approved. See attachment, everything seemed to be going well and smoothly, I laid out {$600.00} as they requested for an appraisal of my condominium back in late XXXX, I had the appraisal done on XX/XX/XXXX. Appraisal came back within range everything seemed to be going smoothly, my loan processor at everyone 's processing company sent the file over on XX/XX/XXXX to Carrington Mortgage Service LLC. And since then, there has been very little communication from the lender they sent out a Loan Estimate on XX/XX/XXXX along with a Florida Rate Lock Agreement see attached loan estimate, that was good until XX/XX/XXXX. They have continued to delay closing and now they have had to extend the rate lock to XX/XX/XXXX. I am not sure exactly what's going on I am being told by my loan officer that's with the broker that the loan amount was originally XXXX and they had lowered it to XXXX. due to possible discrepancies in the original income which is understandable, I would just like to know of this loan will close or be denied. They also had me make substantial changes to my condo XXXX XXXX XXXX and now my insurance company is asking for a {$520.00} payment by XX/XX/XXXX see attachment. And now on top of everything else they sent me an updated loan estimate that even my Mortgage broker is shaking their head, and we are now about to miss a second-rate lock extension dated for tomorrow XX/XX/XXXX. See Attachment Loan Estimate 3 they are now expecting me to come up with XXXX dollars at closing for the closing cost, the whole point of a cash out refinance is for me to not have to bring money to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-16 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:
Ive noticed that these inaccurate accounts are still showing up on my credit reports, and they have not been taken out. This situation has been extremely frustrating for me, and Im begging that the documents Ive attached be reviewed carefully so I can finally stop living with this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control have text my cellular phone using prohibited equipment without my consent. Tried to get them to stop but the text messages continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NM

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and unauthorized entries on my credit report, which are negatively impacting my financial reputation and causing undue distress. I am invoking my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and related federal consumer protection laws. 
INQUIRIES SECTION UNAUTHORIZED CREDIT INQUIRIES The following inquiries are unauthorized and inaccurate. I did not give written consent nor did I apply for any credit accounts with these institutions. Under FCRA XXXX ( a ) ( XXXX ), no entity is allowed to pull my credit report without permissible purpose. Therefore, all the following inquiries must be removed immediately : XXXX XX/XX/year> XXXX & XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were made without my authorization or any legitimate credit application initiated by me. I request the removal of all these inquiries as they were made in violation of my consumer rights under federal law. 
I request that the CFPB investigate these matters and ensure full compliance by the credit bureaus and furnishers. All inaccurate, unverifiable, or unauthorized information should be corrected or permanently removed from my credit file. 
I have attached identity verification documents to support this complaint, including a copy of my drivers license and proof of current residence. 
Immediate attention to these matters is critical, as the continued reporting of false information is damaging my creditworthiness, financial opportunities, and personal reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NM

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. Code XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$6800.00} XXXX XXXX # XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$210.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
CFPB Complaint XXXX Veteran at Risk of Homelessness Due to US Bank Account Hold My name is XXXX XXXX and I am a XXXX XXXX military veteran. I am writing this because I am in a desperate situation my US Bank account has been frozen, and no one is helping me. I am days away from not being able to eat or keep a roof over my head. 

On a recent call with US Bank 's customer authentication department, my call was accidentally dropped during ID verification. Ever since then, Ive been locked out of my own account. Ive called back multiple times. Ive verified my identity every time. Ive explained that XXXX XXXX and physically can not go to a branch. Still, no one will unlock my account or offer a real solution. 

I do not have a current photo ID, but I do have my old government-issued ID, along with several other forms of identification. Ive offered them all. Ive pleaded. But I keep getting told I need to go to a branch something I physically can not do due to my XXXX. 

I filed a complaint with US Bank on XX/XX/XXXX, and it is now XX/XX/XXXX. Ive received no response, no update, nothing. 

This is not a technical issue anymore its a human one.

Right now, I have no access to my own money. I cant pay for food. I cant pay my bills. I cant even buy basic necessities. I am at real risk of becoming homeless. I served this country with honor, and now Im being left behind by the very systems that are supposed to protect people like me.

-- - What Im Asking For : That US Bank immediately accept my old ID and alternative forms of ID, in light of my XXXX. 

That they unlock my account so I can access the funds I need to survive. 

That they respond to the complaint I submitted on XX/XX/XXXX, which has been completely ignored. 


I am not asking for special treatment. Im asking for basic human decency and the right to access my own money.

Every day this account remains frozen is another day I live in fear not knowing if Ill have a place to sleep tomorrow. I dont know where else to turn. Please help me.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Dear LVNV Funding LLC, This letter is in response to your communication dated XX/XX/XXXX, regarding an alleged debt. 
I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 
This is not a refusal to pay, but a demand for validation made pursuant to my rights under federal law. Until you provide the information requested below, you must cease all collection activities, including reporting this debt to credit bureaus. 
Please provide me with the following information and documentation concerning this alleged debt : The total amount of the debt, including any fees or interest. 
The name and address of the original creditor. 
Documentation proving that I am legally obligated to pay this debt, such as a copy of the original contract or agreement bearing my signature. 
A copy of any judgment, if applicable. 
The date the alleged debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Your license to collect debts in my state. 
If you have already reported this debt to any credit reporting agency, you must inform them that the debt is disputed. Reporting or failing to correct inaccurate information may violate the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
That XXXX is attempting to collect a debt which I believe is invalid or disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I am formally disputing the reappearance of an account that was previously removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), a credit reporting agency is not permitted to reinsert deleted information unless the data provider has verified its accuracy. The account in question is listed below : XXXX XXXX Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date of Original Deletion : XX/XX/year> XXXX XXXX Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Deletion : XX/XX/year>5 Creditor/Collection Agency Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Original Deletion : XX/XX/scrub> 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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XX/XX/XXXX, LVNV Funding began reporting a collection account for an alleged XXXX XXXX  XXXX XXXX XXXX with a balance of {$970.00}. After I disputed the accuracy of this account with XXXX  and directly with Resurgent Capital Services, they provided only an internal Account Summary Report and a letter claiming validation. These documents fail to include the original signed agreement, a detailed balance breakdown, or a properly executed assignment from XXXX XXXX  proving that LVNV Funding owns this specific account. 

The report also shows inconsistent and inaccurate information, including a last payment date of XX/XX/XXXX and a charge-off date of XX/XX/XXXX, which is impossible. This suggests the account was re-aged and falsely verified. Despite this, LVNV Funding and Resurgent Capital Services continue to report this account as accurate to TransUnion and Experian. 

Their actions violate FCRA 1681i ( a ) and 1681e ( b ) ( failure to ensure accuracy and proper reinvestigation ), as well as FDCPA 1692g ( b ) and 1692e ( 8 ) ( failure to validate and misrepresentation of debt information ). 

I am requesting CFPB intervention to ensure compliance and to stop LVNV Funding and Resurgent Capital from reporting unverifiable or inaccurate debt information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
b'I submitted a written dispute to American Express on September 16, 2025, pursuant to 15 U.S.C.  1681s-2(b) of the Fair Credit Reporting Act (FCRA), identifying multiple inaccuracies being furnished to the consumer reporting agencies, including the Date Opened, Balance, High Credit, Date Last Reported, Comments, Date Last Active, and Date of Last Payment.\n\nAmerican Express received my certified dispute (Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX) but failed to conduct a reasonable investigation or provide any verifiable documentation demonstrating that the reported data is accurate, as required under XXXX  U.S.C.  XXXX XXXX XXXX(b).\n\nTheir response simply restated disputed information without evidence of review or correction, failing to ensure maximum possible accuracy as required by the FCRA. I subsequently sent a second-round dispute to provide American Express another opportunity to verify or correct the data; however, the account continues to be reported inaccurately across all three credit bureaus.\n\nI am requesting that American Express comply with its obligations under XXXX  U.S.C.  XXXX(b) by conducting a reasonable investigation, providing documentary proof of verification, and correcting or deleting any inaccurate or unverifiable information being furnished to the consumer reporting agencies.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CT

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 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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint because the company listed above is reporting a collection account on my credit report. I have sent multiple written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and Fair Credit Reporting Act ( FCRA 611 & 623 ). It has now been well over 30 days, and I have not received any documentation, proof of ownership, or verification of the alleged debt.

Continuing to report this information without proper verification violates Metro 2 reporting standards, which require accurate and verifiable data, and constitutes noncompliance under FCRA 623 ( a ) ( 1 ) ( A ).

I am requesting immediate removal of this collection account from all credit bureaus and written confirmation that the debt has been deleted from my credit reports.

Company response to consumer: Closed with explanation