vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX that I didn't authorized 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 XXXXXX/XX/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 2025-09-10 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:
I am disputing the inaccurate and unauthorized information that is currently being reported in my credit file. These errors are damaging my financial standing and do not accurately represent my actions as a consumer. 
The most troubling item is a collection account reported by XXXX for an alleged balance of {$4200.00}, tied to XXXX XXXX Pines Account No. XXXXXXXX XXXX XXXX I have never entered into any contract or agreement with this company, nor do I owe this debt. This account is the result of identity theft and should not be associated with me. Under the protections of the Fair Credit Reporting Act, specifically FCRA XXXX ( XXXX XXXX XXXXXXXX ), I have the right to block and remove all information that results from identity theft. I also remind you of your duty under FCRA XXXX ( a ) ( XXXX XXXX XXXX ( a ) ) to conduct a proper reinvestigation of disputed items. For these reasons, I request the immediate deletion of this collection account. 
In addition, I have discovered numerous unauthorized inquiries that I did not initiate or approve. These inquiries reflect further misuse of my personal information and create a false impression of my credit-seeking behavior. The inquiries in question are : 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 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 XXXX XXXX XXXX  I never applied for credit with XXXX XXXX XXXX the dates shown, nor did I authorize these checks into my credit history. The Fair Credit Reporting Act is clear that inquiries must have a permissible purpose under FCRA XXXX ( a ) ( XXXX XXXX. XXXX ( a ) ). In this case, no such purpose exists. Further, reporting or using false pretenses in obtaining my credit file is prohibited under FCRA XXXX ( XXXX XXXX. XXXX ). These inquiries are unauthorized and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am disputing the inaccurate and unauthorized information that is currently being reported in my credit file. These errors are damaging my financial standing and do not accurately represent my actions as a consumer. 
The most troubling item is a collection account reported by XXXX for an alleged balance of {$4200.00}, tied to XXXX XXXX Pines Account No. XXXXXXXX XXXX XXXX I have never entered into any contract or agreement with this company, nor do I owe this debt. This account is the result of identity theft and should not be associated with me. Under the protections of the Fair Credit Reporting Act, specifically FCRA XXXX ( XXXX XXXX XXXXXXXX ), I have the right to block and remove all information that results from identity theft. I also remind you of your duty under FCRA XXXX ( a ) ( XXXX XXXX XXXX ( a ) ) to conduct a proper reinvestigation of disputed items. For these reasons, I request the immediate deletion of this collection account. 
In addition, I have discovered numerous unauthorized inquiries that I did not initiate or approve. These inquiries reflect further misuse of my personal information and create a false impression of my credit-seeking behavior. The inquiries in question are : 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 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 XXXX XXXX XXXX  I never applied for credit with XXXX XXXX XXXX the dates shown, nor did I authorize these checks into my credit history. The Fair Credit Reporting Act is clear that inquiries must have a permissible purpose under FCRA XXXX ( a ) ( XXXX XXXX. XXXX ( a ) ). In this case, no such purpose exists. Further, reporting or using false pretenses in obtaining my credit file is prohibited under FCRA XXXX ( XXXX XXXX. XXXX ). These inquiries are unauthorized and must be removed.

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 2025-09-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
Today on XX/XX/year> Shepard Outsourcing reached out to my sister via text message and disclosed my debt. I am not associated with that number or her. This is illegal and will be taking action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 am a victim of identity theft. I did not authorize these accounts. I have included and attached my identity theft affidavit. please delete these accounts off my credit 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 2025-09-10 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: PA

Complaint narrative:
I am a victim of identity theft. I did not authorize these accounts. I have included and attached my identity theft affidavit. please delete these accounts off my credit 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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Veros Credit consistently violates the fair debt collection practices act. They consistently call me multiple times a day at work, on my cell phone, after XXXX and before XXXX. 

Even after receipt of this notice, they have continued with their illegal practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> Veros Credit E

ffective immediately : Cease and Desist Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting you cease all communication regarding this alleged debt. This includes contact attempts made at my residence, workplace, or through various communication methods - phone calls, text and emails.

All text, phone calls, letters, and any form of communication regarding this account, or payment reminders are to ceases and desist immediately.

Your company policies to not supersede my rights under federal law. 

Any further communication from your agency, beyond confirming receipt or notifying me of specific legal actions, will be considered an FDCPA violation. 


If you do not comply, I will seek legal recourse to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
A loan balance is still remaining after repossession. During the repossession, a company calledXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, drove off with the vehicle, stealing over {$25000.00} in merchandise which included my purse with all of my credit cards, my passport and drivers license, diamonds, leather shoes, business information, license plate, and my XXXX placards. 
The Police Report XXXX is : XXXX. The repossession office is located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Their phone number is XXXX. Their website is www.repoman.com. 
I was in a hit and run car accident, and the vehicle was damaged. I was XXXX for over 4 months. I had no issues with them picking up the XXXX XXXX XXXX XXXX XXXX 
However, I did have a problem with the men that stole all of my personal and confidential items from the vehicle. The company never returned my items, and when I called, they said that they threw my purse and all of my items in the garbage. 
Driveway Finance Corporation never made them accountable, and there still remains a {$11.00}, XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am submitting this complaint as a continuation of my prior filings ( CFPB Case # XXXX / XXXX Case # XXXX ). This supplement documents XXXX XXXX ( XX/XX/XXXX ), where PNC Banks servicing errors caused vendor trespass, improper fees, and false credit reporting. 
In XX/XX/XXXX, PNC falsely classified my occupied home as vacant. Vendors entered my property without permission, tampered with my home, and even told neighbors it was foreclosed. At the same time, PNC assessed more than {$4800.00} in improper preservation fees. 
The misconduct continued on the credit side. On XX/XX/XXXX, my full payment of {$3000.00} was credited in PNCs own system. However, PNC reported to credit bureaus that only {$740.00} was paid, and that I was still 90 days delinquent. This violates the FCRA ( inaccurate reporting ) and XXXX ( failure to credit payments promptly and fully ). 
These actions are not isolated. They form part of a six-month recurring pattern of misclassification and retaliation : XX/XX/XXXX ( Incident XXXX ) : XXXX check and false hardship entry created false delinquency. 
XX/XX/XXXX ( Incident XXXX ) : Vendor trespass, improper fees, and false reporting ( this filing ). 
XX/XX/XXXX ( Incident XXXX ) : Fabricated hardship and denial of servicing ( to be filed XX/XX/XXXX ). 
XXXX ( Incident XXXX ) : Balance discrepancies and equity erosion ( to be filed XX/XX/XXXX ). 
This pattern shows systemic misconduct, not clerical error. It undermines my equity, damages my credit, and threatens wrongful foreclosure despite my payments being made. 
Requested XXXX I respectfully ask regulators to : XXXX PNC to remove the false vacancy classification and reverse the $ XXXX in vendor fees. 
Require correction of credit bureau data and provide a Method of Verification.

Direct PNC to produce servicing notes showing who triggered vendor dispatc and misreporting.

Investigate whether the CFPB Servicing File Fee ( {$250.00} listed in borrower statements ) is an unlawful deterrent. 
Prohibit retaliation or denial of service when I exercise my RESPA/TILA/FCRA rights. 
This submission is made in good faith, with supporting documents attached ( Exhibits XXXX and XXXX, Appendix B ). Additional incidents and evidence will be filed in XXXX to ensure regulators have the full scope of PNCs servicing misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that multiple unauthorized credit inquiries are being reported on my Experian credit report. I did not authorize these companies to access my credit file, nor did I give consent for these inquiries to be made. I submitted disputes to Experian regarding these unauthorized inquiries, but Experian has failed to properly address and remove them. These inaccurate inquiries are negatively affecting my credit profile.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
Issue : Auto-finance application canceled without a written decision ; inaccurate statement that my {$400.00} deposit did not go through. 
Details : I applied with a co-buyer, provided all requested documents, and on XX/XX/XXXX my bank shows Carvana debited a {$400.00} deposit and {$690.00} delivery fee via ACH. My dashboard showed all tasks complete and did not list a task to bring my other Carvana account current. I asked the company to put any such requirement in writing ; instead of issuing a written decision, the company canceled my application on XX/XX/XXXX. On XX/XX/XXXX, the company then emailed that my order was canceled because the deposit did not go through, which is inaccurate given the debit posted on XX/XX/XXXX. I have since brought the other account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This is in regards to the debt collection of Columbia debt relief attempting collection for greystar management. I received an email a months ago stating i owe {$1500.00} for a rental i had and didn't pay. This is incorrect because i remember when i left the complex i left a money order or check witXXXX XXXX XXXX XXXX the complex i was at. I never received any more emails for almost 3 years then all of a sudden I'm getting debt collection emails for something that I wasn't even before by XXXX. Now I'm getting collections, i tried emailing Columbia debt relief but they responded only a few time and when i sent them information stating i already paid and i hadn't received any type of notification from XXXX  for almost 3 years and its not my responsibility if someone lost it or didn't cash it right. They problem they never responded back to me on the issue. I got another email today saying owe money again when they have ignored my emails to get this resolved. When i leXXXX XXXX XXXX XXXX XXXX XXXX XXXX I handed them the envelope with the money to pay it off. They were still taking checks and money orders at the time. I never heard anything back and almost 3 years later this. The account used to pay it has been closed for almost 2 years and statements only go back 6 months. XXXX being put in a corner with this company because i never received notice till now and their refusing to work with me to find out what happened to the original check and get this disputed. They were apparently sending notices to an address i lived at before i even lived at the XXXX and the name their sending it to is not even my name but it is for me. This company is negligent and unresponsible. 

The address on the forms is XXXX i no longer live at at the name on the forms have been long incorrect since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am responding to your communication regarding the alleged debt referenced above. This letter is a formal request made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for validation of this debt. Please provide me with the following information : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.

Documentation that proves I am legally obligated to pay the debt.

A copy of the original signed contract, agreement, or other evidence of my liability.

Proof that you are licensed to collect debts in my state, including your license number and issuing authority.

Until you provide this documentation, you must cease all collection activities, including reporting this debt to credit bureaus. Be advised that any attempt to collect without proper validation violates the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both wrongful and unlawful.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain account still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following account : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00}

Company response to consumer: Closed with non-monetary relief