vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank using deceptive practices putting me at risk of late fees, missed payments, and negative reporting to credit bureau. I made a mortgage payment on XX/XX/XXXX on account # XXXX. This payment was for a total of {$2000.00} which is more than the required minimum payment of {$1600.00}. This {$2000.00} payment was improperly applied to principal balance and not applied to the payment due on XX/XX/XXXX. Because of this, my payment showed as overdue I I did not find out about this until I attempted to mark the next due payment for XX/XX/XXXX. My mortgage loan was recently transfers to PNC bank from XXXX XXXXXXXX XXXX  I am concerned that they are already using deceptive practices and applying monthly payments as they see fit and not as instructed by me. My monthly payment was specifically made to cover the XX/XX/XXXX payment for for some reason they chose to apply it to the principal. As of now, I show an overdue balance of two mortgage payments totaling {$3300.00}. These deprive practices need to stop and PNC bank need to apply monthly payments as requested by clients. I dont known if this is an isolated incident or if these deceptive practices are down across the board. I expect for resolution do this matter and for any late fees to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am disputing a debt reported by Radius Global Solutions LLC that is not mine and has been inaccurately placed on my consumer credit report. 

On or around XX/XX/year>, Radius Global Solutions LLC began reporting a collection account with an alleged balance of {$340.00}. I do not recognize this debt, did not enter into any agreement with this company, and have no contractual obligation to pay the alleged amount. I never received proper notice or validation of this debt prior to it being reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide written validation of a debt, including the name of the original creditor and documentation proving the consumers obligation. To date, no such validation has been provided to me.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers of information have a legal duty to ensure that information reported to consumer reporting agencies is accurate and verifiable. Reporting a debt that is not mine constitutes inaccurate reporting and is a violation of this duty.

I have disputed this account as inaccurate. However, it continues to be reported without proper verification or evidence that I owe this debt. Reporting unverified or unverifiable information is prohibited under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy.

Because Radius Global Solutions LLC can not demonstrate that I am legally responsible for this alleged debt, continued reporting is misleading, damaging, and unlawful.

I am requesting that : 1. Radius Global Solutions LLC immediately cease collection efforts.

2. This account be deleted from all consumer reporting agencies.

3. Written confirmation be provided that the account has been permanently removed.

This complaint is submitted in good faith to correct inaccurate credit reporting and to enforce my rights under federal consumer protection laws.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used Capital One 's Bill Pay and setup a {$440.00} payment to pay my HOA due scheduled for XX/XX/XXXX. This amount of {$440.00} was deducted from my bank account on XX/XX/XXXX. However, my HOA recently informed me that they have not received this payment. I contacted Capital One on XX/XX/XXXX to inquire about this payment and XXXX other payments. I received an email response from Capital One on XX/XX/XXXX informing me that all XXXX payments have been processed correctly and provided me with copies of the redacted checks as proof of payments. I no longer have issue with the XXXX other payments so this complaint is focused on the XX/XX/XXXX Bill Pay payment of {$440.00}. The image of the redacted check is proof that this check was indeed issued, however, it's not proof that this check was actually cashed. So I contacted Capital One again on XX/XX/XXXX asking for proof that this check was cashed. I received another email response from Capital One on XX/XX/XXXX with basically the same response that this check was processed correctly and provided another copy of the redacted check as proof of payment. I contacted Capital One again to explain that I am not questioning whether the check was processed correctly or not but I want proof that this check was actually cashed. I received XXXX email response from Capital One on XX/XX/XXXX that's basically the same as the XXXX and XXXX email responses that this check was processed correctly and provided another copy of the redacted check as proof of payment. I called Capital One again on XX/XX/XXXX explained to the customer service representative that I need proof of check being cashed not proof that it was issued. It's been almost XXXX weeks since my last call and I still haven't heard from Capital One. 

I have attached copies of this XX/XX/XXXX redacted check that Capital One provided me on its XXXX responses to my inquiries. All XXXX copies are redacted but each copy has different areas redacted. 

I need Capital One to research if this check was cashed or not, not if this check was processed correctly. If it was not cashed or cleared, then Capital One should credit this amount of {$440.00} back to my account. If this check was cashed or cleared, then Capital One should provide me with the proof that this check was cashed or cleared. A copy of the redacted check that was issued is not sufficient to identify whether this check was cashed/cleared or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
XXXX continues to report multiple delinquencies on a mortgage loan that was modified under a federal government loss mitigation program. 

Late payments are being reported without evidence that they occurred after the effective modification date or that FHA re-aging requirements were met. This reporting is inaccurate and materially misleading under the FCRA and CFPB servicing regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MO

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE ALTERING MY CREDIT AND RETALIATING BECAUSE I KEEP FILING COMPLAINTS!! 
MY SCORES HAVE GONE FROM XXXX TO XXXX TO XXXXALL IN THE SAME MONTH!!!!!

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 2025-12-27 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: IN

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I had a PayPal Cashback World Master Card through Synchrony Bank. My issue is with Synchrony Bank, not PayPal. Every since time I try to use the card the transaction gets declined and I get a text telling me there is a fraud alert. The first time they sent me a text and it said " was this you reply yes or no '' I replied yes and they unlocked my card. The second time they called me instead of texting and unlocked my card. The third time they called and said I had to submit a video of my face and a photo of my ID. I said I was not doing that and spoke to a XXXX and he sent me a link in my email. This final time they insisted the only way was for me to send the video. I'm not doing that. Its weird. I don't want just a random video of my face with a photo of my ID out on the internet. So I ended up closing the account because what is the point in having a card I can't use. And when I said I wanted to file a complaint they hung up on me. I called back and asked to file a complaint, the person I spoke to said she filed a complaint against the agent but when I said I wanted to file a complaint against their processes not just the agent she hung up on me again. I got hung up on by 3 different people. I filed a complaint with PayPal as well.

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 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
In XX/XX/year>, l made a purchase at the old XXXX store in XXXX, XXXX SC in the amount of XXXX}. The next day l returned all the items and made a new purchase in the amount of XXXX When l got my statement l was billed for the returned items as well. I paid the XXXX and has been disputing the & XXXX since XXXX. I received documents stating I am committing fraud. Despite my efforts to resolve and get an investigation into the matter the credit report inaccurate balance with fees and 30 days late payment on my credit report. The last time l dispute in XXXX the balance Barclays responded and stated that the dispute is no longer within the timeframe.

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 2025-12-27 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: GA

Complaint narrative:
After reviewing my credit report,/ discovered accounts that did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that did not authorize or signed a contract for must be removed off my credit report in XXXX days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes.

CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION 1. Incorrect Name Variation Currently Listed : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Consumer Note : This variation has never been associated with my identity and is creating unnecessary risk of misidentification. I have enclosed a copy of my government-issued ID to verify my correct legal name. 
XXXX. Outdated Address Information Currently Listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks.

FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that Equifax : Conduct a reinvestigation of these disputed items within XXXX calendar days, as mandated by federal law. 

Correct and update my personal information to reflect accurate, verifiable, and current data. 
Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone stole my identity & filed my income taxes 2 years in a row with a victim of identity theft protection pin number from the IRS with a stolen cash app account card & cellphone with the digital icon application on that phone in order to file my income taxes on a non verified facial recognition scan & Texas Identity Card front & back scan verification to match my identity. That account card waXXXX XXXX XXXX. My current verification is valid for the account I have on my XXXX XXXX XXXX XXXX XXXX  started my income taxes with XXXX XXXX XXXX XXXX XXXX TX. I made a police report with the Local agencies of residence at the time as well as snail mail local county mail postal services posXXXX XXXX XXXX XXXX XXXX XXXX XXXXears ago. If this is not solved I will sue Cash app XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXXXXXX XXXX XXXX XXXX XXXX You should have to thumb print on your mobile device like at check cashing services non online banking checking platforms XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting three bankruptcy records that are inaccurate and unverifiable : Two dismissed XXXX XXXX bankruptcies from XXXX XXXX XXXX  XXXX bankruptcy XXXX XX/XX/XXXX These records must be removed for the following reasons : XXXX. The XXXX  XXXX case was converted into a XXXX  XXXX. 

Under Bankruptcy Code 348 and Rule 1019, a converted case can not continue to report the original XXXX  XXXX filing. Experian is reporting BOTH, which is legally impermissible. 

XXXX. TransUnion has already deleted the converted XXXX  XXXX TransUnion determined they could not verify the bankruptcy and removed it. Experian must follow, because all three bureaus must maintain maximum accuracy under FCRA 607 ( b ).

3. The Bankruptcy Court itself confirms it does NOT report to the credit bureaus.

Attached is an official letter from the U.S. Bankruptcy Court, Northern District of Texas ( page 1 ), stating : The U.S. Bankruptcy Court, Northern District of Texas does not report information to any credit reporting agency.

This proves Experian can not verify any bankruptcy with the court and is violating FCRA XXXX by claiming verification. 

XXXX. Reporting BOTH a dismissed XXXX  XXXX and the converted XXXX  XXXX is misleading and inaccurate. 

I am requesting CFPB intervention to require Experian to delete all bankruptcy entries from my file.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Not only a file multiple complaints about this company but they response to me was so off the chain aggravating dealing with them the people that work there the back-and-forth the multiple calls the long Holes everybody telling me something different and now they responded with some complete XXXX response man I never wan na do business with them again and I hope others feel the same way I'm sure they would

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 2025-12-27 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:
I am the victim of ongoing identity theft and have filed an FTC Identity Theft Report and a police report documenting fraudulent accounts reported on my Equifax consumer credit file. 

Equifax is currently reporting the following fraudulent accounts, which I did not open, authorize, or benefit from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance-related collection, approximately {$50.00}, originally assigned XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX, approximately {$15000.00}, assigned XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00}, assigned XX/XX/year> Several of these accounts, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX were XXXX XXXX after being identified as identity theft, yet were later reinserted or re-reported, including under different collection agencies. 

This complaint also documents a pattern of rental-related identity theft, as this is the sixth fraudulent apartment or rental debt reported in my name within approximately eight months, involving properties where I never applied, leased, resided, or signed any agreement.

Despite having notice of identity theft through FTC and police reports, Equifax continues to report or reinvestigate these accounts instead of permanently blocking them as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AZ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief