vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I formally disputed this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable reinvestigation. Instead of validating the debt, TransUnion continued reporting it without providing any proof such as the original signed contract, a complete accounting, or proper authorization from the furnisher.

This violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) furnishers duty to investigate.

15 U.S.C. 1692g ( b ) prohibition of collection activity without validation ( reporting a debt is collection activity ).

Courts have held that credit bureaus can not simply parrot a furnishers claim ( Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ). XXXX failure to provide validation and its continued reporting is willful noncompliance under 15 U.S.C. 1681n. 

Requested Resolution : I demand that the CFPB require TransUnion to : Delete the disputed account from my credit file immediately. 

Provide written confirmation of deletion. 

Impose appropriate penalties for willful violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/year>, XXXX XXXX issued a check for {$4300.00} payable to XXXX XXXX XXXX XXXX XXXX. This check required both endorsements because of the &. It was deposited and cashed at a bank on XX/XX/year> with only XXXX XXXX signature, without my endorsement or authorization. Despite this, the bank accepted the check and released funds improperly. This is a case of back-of-check fraud, missing endorsement under the XXXX XXXX XXXX. I have already contacted XXXX XXXX and local police, but the matter was dismissed as civil. This is a banking compliance and fraud issue that needs investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, the owner of the property at XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX passed away. The property had a mortgage with M & T Bank and was titled with a right of survivorship. As the surviving owner, I am now the sole owner of the property. 

Due to the death, mortgage payments became delinquent. The mortgage company initiated foreclosure proceedings and scheduled a trustee 's sale. I have been attempting to work with the company to resolve the delinquency. At a probate hearing on XX/XX/XXXX, the court legally established that I, as the surviving joint owner, am the sole owner of the property and that the home is not part of the deceased 's estate. This ruling lifted a temporary restraining order on the property. 

Since that court order, I have provided M & T Bank with a copy of the court 's ruling and a death certificate. I have attempted to apply for a hardship program and/or a loan modification in my own name to cure the default and save the home. 

The company has refused to work with me. They have not provided clear information on how to apply for a hardship program as the new owner, nor have they accepted a new application. They are continuing with the foreclosure process despite my efforts to resolve the delinquency and my legal status as the sole owner. 

Dates, Amounts, and Actions : XX/XX/XXXXXXXX  : The property owner passed away. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX ruled the property is not part of the estate and transferred to me, XXXX XXXX, as the sole owner. 

XX/XX/XXXX : I first contacted M & T Bank to inform them of the situation and my intent to cure the default. 

XX/XX/XXXX : I sent copies of the court order and death certificate via certified mail to XX/XX/XXXX ] : My last communication with the company was on XX/XX/XXXX. The representative, XXXX XXXX, refused to provide information on how to proceed with a new hardship application in my name. 

Amount Invested : I have personally invested over {$30000.00} in maintaining and improving the property, which further demonstrates my vested interest in saving the home. The company 's refusal to work with me is jeopardizing this investment and the equity in the home.

I am requesting the CFPB 's assistance in compelling M & T Bank to communicate with me as the legally established homeowner and to provide me with the necessary information and opportunity to apply for a loan modification or hardship program to resolve this matter before my home is sold at a foreclosure auction.

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 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
found to be going into foreclosure due to taxes not paid while all tax payments were deducted from my escrow. found out they were paying my taxes to the incorrect parcel since after closing. all closing documents were correct. this was finally corrected, and they paid all taxes owed to the correct parcel. now they went and put all that amount on my escrow increasing my payment from XXXX to XXXX. If all my taxes had been deducted monthly from XXXX to XXXX, why would i have to pay them all over again due to their mistake. 
I have made multiple calls and another ticket on line, but can get an answer. 
thanks XXXX

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, 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 : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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, 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 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 2025-09-09 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: GA

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 : INQUIRIES : XXXX Date : XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXXXXXX XXXX Date : XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX EMSNAVYFCU Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, as proof from the US 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 2025-09-09 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: PA

Complaint narrative:
I asked for a investigation on my credit report because I am a victim of identity theft unfortuntely the offenders just happened to be my family members that raised me from birth and I'm not looking for a pitty party I just want some help and didn't know the law into now and it clearly say 605a on FCRA that if I'm a victim and take the steps to get help I can recieve it here.

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 2025-09-09 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:
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 : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US 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 non-monetary relief
Consumer complaint received 2025-09-09 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: Peritus Portfolio Services II, LLC
State: MD

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/XXXX. My credit reports show the account closed/paid in full as of XX/XX/XXXX. Peritus Portfolio Services later contacted me, claiming I owed a debt and forcing me to sign a loan modification in XX/XX/XXXX under threats of repossession. The XXXX  DMV still lists XXXX XXXX XXXX as the lienholder, not Peritus. I believe Peritus misrepresented the debt, lacks legal authority to collect payments or hold my title, and I am seeking an investigation, refund of payments made under false claims, and release of my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I feel extremely distressed and worried after discovering several accounts on my credit report that do not belong to me, that I completely do not recognize, and that have clearly been fraudulently opened in my name ;

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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Under the terms of the Agreement, my monthly payment obligation is {$700.00} However, on XXXX consecutive months, infinity financing withdrew {$1400.00}, which exceeds the payment amount specified in the contract. I have made numerous attempts to have my funds returned. 

This action constitutes a material breach of the Agreement and violates my rights under : Florida Motor Vehicle Retail Sales Finance Act ( XXXX XXXX. XXXX ), which requires lenders to strictly comply with agreed payment terms ; Florida Deceptive and Unfair Trade Practices Act ( XXXX ) ( XXXX XXXX. XXXX ), which prohibits unfair and deceptive practices in consumer transactions ; and Truth in Lending Act ( 15 U.S.C. XXXX et seq. ) and Regulation XXXX, which require clear, accurate disclosure of payment obligations and prohibit undisclosed charges. 

Because your company violated the Agreement and applicable consumer protection statutes, I am hereby demanding the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 XXXX ( 15. U. S. C. 
XXXX ) 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 XXXX 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, Date Opened : XX/XX/year>, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 non-monetary relief
Consumer complaint received 2025-09-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX NA Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 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