vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
This is a formal dispute of a collection account that appears on my credit report. I have no knowledge of this account and have never entered into any agreement related to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Debt Validation under the FDCPA Original Creditor : XXXX Amount : {$1100.00} To Whom It May Concern : This letter is a formal request for debt validation. I recently became aware of an alleged debt reported by your agency on my credit report, listed as originating from XXXX. I do not acknowledge this debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide : A complete itemization of the debt, including any fees and interest.

Proof that the debt is valid and owed by me.

Documentation bearing my signature that authorizes this debt.

Verification that your agency is authorized to collect debts in the state of Michigan.

Full account history and chain of title of the alleged debt.

Until this validation is complete, I request that all collection activity cease, and the account be removed from any and all credit reporting agencies if validation can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: ID

Complaint narrative:
Starting on XX/XX/XXXX, I asked XXXX XXXX to provide proof of two late payments reported on my credit reports with XXXX XXXX XXXX XXXX  They have reported late payments in XXXX and XXXX of XXXX. 

In my letter, I explicitly requested documentation of both the account ( copy of card agreement ) and the payment history ( statement copies to substantiate late payments reported ). 

In addition to this letter, I filed multiple disputes directly through XXXX XXXX XXXX XXXX ( see attached XXXX disputes ). When the credit reporting agencies worked with the furnisher, they repeatedly responding that the payment history was " accurate '', despite the fact that I explicitly asked for documentation. 

I have never received any documentation whatsoever that proves these payments were late. XXXX XXXX has not provided any proof at all of this payment history. 

I called customer service at XXXX XXXX on XX/XX/XXXX. I directly asked for account statements. The phone rep seemed confused about my request. He told me that XXXX could not influence what the credit reporting agencies publish about the account. It was very concerning that the rep could not figure out how to send me statements from late XXXX ( so I can see the history immediately preceding the alleged late payments ). It was also disheartening to have a company representative have such an inaccurate understanding of credit 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 2025-07-15 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: PA

Complaint narrative:
I have a fraud alert placed on my credit file, and yet an unfamiliar hard inquiry has appeared. This violates the protection mechanisms that should have been in place to safeguard my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting a debt from XXXX XXXX  on my credit reports. This debt was sent to collections without any direct communication from XXXX XXXX  or an opportunity for me to explain my financial hardship. I was under medical care at the time and experiencing extreme stress, which made it difficult to keep up with my financial responsibilities. 

Instead of reaching out to work with me or offer assistance, XXXX XXXX  gave my private account information to Portfolio Recovery without my consent. I never signed or authorized anything allowing my personal financial data to be shared with a third party. This violates the Gramm Leach Bliley Act 15 USC section 6801 which requires protection of nonpublic personal information. 

Once Portfolio Recovery got involved, I began receiving calls and collection letters. Some of these communications were aggressive and intimidating, suggesting legal action could be taken if I did not respond or pay immediately. These threats were extremely upsetting and caused even more emotional distress while I was already in a vulnerable medical condition. These actions are violations of the Fair Debt Collection Practices Act FDCPA including section 1692d which prohibits abusive conduct and section 1692e which forbids the use of false or threatening language in collection efforts. 
Portfolio Recovery never validated this debt or gave me an appropriate chance to dispute it before beginning collection activity. I have since issued a cease and desist letter to them under FDCPA section 805 subsection c demanding that they immediately stop all communication and collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I wired XXXX in funds to XXXX XXXX XXXX. 
On XX/XX/XXXX I received notice that they are closing my account. 
On XX/XX/XXXX I opened a case asking for the procedure and time frame to get my assets back. ( Ticket ID : XXXX ). They said they would provide an answer on XX/XX/XXXX. Through XX/XX/XXXX, I followed up XXXX more times in the ticket to which they did not respond. 
On XX/XX/XXXX I opened another ticket on the same matter. They only responded XXXX time indicating they were working on the issue and would reply. I followed up twice through XXXX asking for updates to which there was no response. ( Ticket ID : XXXX ) On XX/XX/XXXX I opened Ticket ID : XXXX demanding they return my money and provide the process and timeline. I attach the other tickets. I get XXXX response, I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps!. I followed up twice more in the ticket with no response. 
On XX/XX/XXXX I opened XXXX ID : XXXX again demanding my money and asking for a response. They once more indicated they are working on my issue, but did not commit to returning or providing process clarity. I followed up on XX/XX/XXXX, which received no response. 
On XX/XX/XXXX I opened XXXX ID : XXXX, to which they did not respond. 

They accepted my money and then closed my account. I need it back. Otherwise it is theft. At this point, they continue to delay and evade my request for process clarity and timeline to return my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been XXXX  days and you are in VIOLATION of this law, since I am a victim of identity theft. Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

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 under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTIONS 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 listed IMMEDIATELY. ACCOUNTS : 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

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 2025-07-15 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: AR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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 In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-07-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today, during my routine credit report check, I noticed some discrepancies that appeared unexpectedly. I tried to refresh my browser in case it was an error, but the inaccurate accounts were still there. Due to this situation, Im asking that the documents I submitted be examined thoroughly to resolve this problem permanently.

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 2025-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
XXXX  XXXX has repeatedly failed to provide complete and accurate responses to my Requests for Information under RESPA, as required by XXXX C.F.R. XXXX. Despite multiple written requests, they have refused to supply the full final loan delivery file, the physical refund check, internal servicing notes, and clear explanations regarding the XXXX  XXXX XXXX  and escrow fund disposition. Instead, they have claimed that much of this information is proprietary or confidential even though it directly relates to my own mortgage account. 

Their partial responses have been contradictory and incomplete, making it impossible for me to reconcile material discrepancies including evidence that the XXXX  XXXX XXXX was both paid at closing and added to the loan balance, resulting in a double charge. This noncompliance violates their obligations under RESPA and prevents me from verifying whether my mortgage account was properly serviced. 

Attachments : Exhibit XXXX : My original RESPA Request for XXXX dated XX/XX/2025. 

Exhibit XXXX : XXXX  XXXX response dated XX/XX/2025, showing repeated refusals to provide the requested records and explanations, and citing improper justifications for withholding information related to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint to request assistance in restoring my account that was mistakenly closed due to a miscommunication during a recent dispute. 

I filed a dispute through the proper channels with the intention of addressing a charged-off account only. However, my open and active account was mistakenly closed, possibly due to the dispute being misinterpreted as a fraud claim. I want to clarify that I did not intend to dispute or close my active account, nor did I make a fraud claim against it. 

This closure was not intentional, and I am requesting that the creditor review the situation and reopen the account in good standing. I am willing to provide any documentation necessary to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

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 2025-07-15 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: AR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : 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 In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I ask company for the XXXX I posses now It's a change off

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 2025-07-15 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: VA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize. 

Please review the attached letter for further details. Thank you for your assistance.

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 2025-07-15 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: VA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize. 

Please review the attached letter for further details. Thank you for your assistance.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I should not have received, and I did not receive, a XXXX. I got an IRS letter out of nowhere stating I had received a XXXX. I should not have, and it should be XXXX, as this was already reported and handled for identity theft by the owner of XXXX XXXX on my behalf who handles these cases

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 2025-07-15 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: DC

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX related to a checking account originally held with XXXX XXXX XXXX XXXX. On a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), asking for the original signed agreement, full itemization of the alleged balance, proof of ownership or assignment of the debt, and verification that XXXX XXXX is authorized to collect in my state. 

To date, XXXX XXXX has not provided sufficient validation of the debt. Despite this, the collection account continues to be reported to XXXX as valid and owing, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting removal of this account from my credit report because the debt has not been properly validated and continues to be inaccurately reported. I have attempted to resolve this directly with XXXX XXXX but have received no adequate response.

Company response to consumer: Closed with explanation