vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX  credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$560.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-10 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one vlosed line of credit for fraidulant activity even tho their was none and no call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
I was looking over my credit report today and i found debt from 2021 that is not mine on my account i would like for it to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
On end of XXXX, I canceled my XXXX service by returning all company equipment in person to the XXXX store. The store representative confirmed my account was closed and that I had no balance due. I was on autopay and received all communications through email and the XXXX app. 

I never received a final bill or any notice of an outstanding balance by mail, email, or phone. About six months later, I discovered a collection account from XXXX ( or its collection agency ) on my credit report for an amount I do not owe. ( XXXX $ ) I contacted XXXX and requested proof of any charges, my final bill, and documentation of my equipment return, but they have not provided this information. This is an attempt to collect a debt not owed and inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). If a debt collector is involved, it also violates the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the false collection be removed from all credit bureaus, that I receive written confirmation of a {$0.00} balance, and that XXXX explain how this occurred. 

and then turn I paid it since I am trying to get my first car loan and have perfect credit but because of this my credit has dropped XXXX points please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting permanent deletion of an inaccurate utility collection reported by XXXX XXXX XXXX XXXX ( XXXX ) and published by TransUnion. 

The utility account was opened in my co-lessee XXXX XXXX name by our leasing office but is reported solely in my name on TransUnion. The account is labeled joint but omits the other responsible party. 

I first disputed this directly with XXXX on XX/XX/year> and filed a formal dispute with TransUnion on XX/XX/year>. 

I paid the account in full under protest on XX/XX/year> to prevent housing loss ; the payment receipt shows both names. XXXX internal record shows Paid in Full, but landlord-facing reports omit this and display it as an unresolved collection with a removal date of XXXX/XXXX. 

For reference, my Experian report also lists this account with similar deficiencies, while my Equifax report does not list it at all. The absence on Equifax and the inconsistent presentation across bureaus demonstrate that the reporting is inaccurate and unreliable. This is provided solely to highlight the inaccuracies, not to request any changes to my Equifax or Experian files through this complaint. 

I requested suppression during the investigation due to imminent housing application risk, as landlords may view the current reporting as an unpaid collection. No suppression was applied. This incomplete and misleading reporting violates FCRA XXXX ( b ) and XXXX, and FCOs furnishing is inaccurate under FCRA XXXX ( a ).

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Failure to provide debt validation under the FDCPA but continuing to report. I did not receive any notification of this debt not aware of where its from and due to this violation Id like it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MicroBilt / PRBC (formerly CL Verify)
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a XXXX  transaction for XXXX with memo included noting that it was for utilities from mother in law. 
On XX/XX/XXXX I received a XXXX transaction for XXXX for cat food from my mother in law that was living with me for 3 months. 
There were issues with her ex husband which resulted in her leaving and my household having to get a XXXX XXXX on the ex husband. My mother in law then decided to call these transactions from XXXX fraud. Wells Fargo then immediately took the funds out of my account without any contact or investigation. On XX/XX/XXXX i noticed my change of notification was changed to mail with no context. I called wells fargo on XX/XX/XXXX and was told my account was blocked due to fraud. I was on the phone for sometime but wells fargo did not provide any details. When I went to try to use my XXXX I noticed it was not working and I have been reaching out to wells fargo for months. I have called XXXX XXXX, XXXX and even why wife called customer servce, fraud department and so on. I have emailed evidence to escalations and have told them that I do not have any more contact with the person who sent me the funds. They did not respond and when I called they just say any evidence you have or can get does not matter and the only way I can get it over turned is to contact the person and tell them to call wells fargo and tell them it's a true transaction. They are not communicating as to why or how or who I can talk to to help. I have been a costumer of wells fargo since I was XXXX XXXX XXXX, I am now XXXX and there has never been any record of any fraud connected to my 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 2025-08-10 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: GA

Complaint narrative:
The letter is a formal complaint and dispute against TransUnion for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The consumer, XXXX XXXX, is disputing unlawful reporting and failure to correct inaccurate or unverifiable information. The dispute also concerns TransUnion 's failure to provide a permissible purpose for certain credit inquiries. 
Disputed Accounts and Violations : The following accounts are being disputed : XXXX  XXXX : Failure to validate the debt. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : Failure to validate the debt, re-aging of the account, and false reporting. XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : Continued negative reporting after the dispute was resolved. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX ( two separate accounts ) : Failure to validate the debt and reporting without validation.

Disputed Inquiries : The letter requests the legally permissible purpose under FCRA 604 ( a ) ( 3 ) for several hard and soft inquiries. The consumer states that no explanation was provided upon a previous request. The inquiries in question are from : 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 Demands : The consumer demands that TransUnion take the following actions : 1. Provide full validation of each disputed account, including original signed agreements, complete payment histories, and the full chain of custody.

2. Permanently delete any account or inquiry that can not be fully validated.

3. Provide a detailed explanation of the permissible purpose for each hard and soft inquiry.

4. Correct the consumer 's credit file by removing all inaccurate or unverifiable entries.

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 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: MO

Complaint narrative:
I have forwarded numerous, qualified notices of error to MidFirst Bank XXXXXXXX XXXX ( see attached summaries ). The entities have not resolved any of their servicing errors and fail to comply with rules, regulations and laws related to FHA mortgage loan servicing, including dispute and error resolution.

Therefore, the service errors are intentional and with intent to defraud and embezzle loan funds from the mortgage and escrow accounts by misapplying mortgage payments, partial payments, interest payments, principal payments, escrow payments and and by reporting fraudulent loan information to the federal government.

The figures reported on the Annual Tax and Interest Statements ( Forms 1098 ) and the Annual Escrow Statements substantiate the claim, and the supporting documents are attached.

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 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Finance of America Holdings LLC
State: MA

Complaint narrative:
Finance of America Mortgage violated TILA by adding an attachment called an allonge to my promissory note for {$230000.00}, after closing on XX/XX/year>. The allonge was signed by a Collateral Specialist named XXXX XXXX. He was not at the closing and I have no Idea who he is. The allonge added to my promissory note is an illegal conversion of a note without my expressed written consent. This attachment turns my note into a negotiable instrument pursuant to UCC 3-104 and Rhode Island General Law 6A-3-104 and had a pay to order line that is blank. Who was my note paid to and what was it collateral for and how much was the Note sold for on XX/XX/year> as stated in a letter by Finance of America and also reported on my credit. I am currently in foreclosure due to this matter with a servicing company they sold the loan to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my experian credit report and i saw this fraud on my experian report stating that I applied for a personal loan XX/XX/year> for XXXX I spoke with a rep XXXX then to another lady who said they were investigating this fraud. 
I did not apple for this. There has been data breaches. 
I filed a police report with the XXXX XXXX XXXX police department today augest XXXX 2025 case number XXXX with office XXXX XXXX ID 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was checking my XXXX  credit report and i saw this fraud on my XXXX  report stating that I applied for a personal loan XX/XX/year> for XXXX I spoke with a rep XXXX then to another lady who said they were investigating this fraud. 
I did not apple for this. There has been data breaches. 
I filed a police report with the XXXX XXXX XXXX police department today XXXX XXXX XXXX case number XXXX with office XXXX XXXX ID 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
Tek Collect Inc. is reporting a collection account to Experian for {$2500.00} related to XXXX XXXX XXXX. The debt is invalid because the service was never provided ; XXXX  XXXX went out of business. I disputed the charge with my credit card and received a full refund. Despite this, Tek Collect has been attempting to collect and has placed this account on my credit report, damaging my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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