vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to make it clear that : I have never had any dealings with XXXX XXXX XXXX. 
I do not owe this debt, and I believe I am a victim of identity fraud or misreporting. 
The information being reported is false and is causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate entry be investigated and deleted immediately from my credit report. Please provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to make it clear that : I have never had any dealings with XXXX XXXX XXXX. 
I do not owe this debt, and I believe I am a victim of identity fraud or misreporting. 
The information being reported is false and is causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate entry be investigated and deleted immediately from my credit report. Please provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX at ATM XXXX I deposited {$550.00} in cash. XXXX of the bills was returned and due to the door closing too quickly it got stuck in the door. I was not able to recover the {$50.00} bill and the machine took the other {$500.00} and did not complete the deposit. I have a receipt from the ATM saying We encountered a problem returning your cash. I attempted to make a new transaction and the machine would not allow any deposits to reopen the door. Went to the branch the very next morning and the ATM was working fine and the banker inside submitted my dispute saying it would take XXXX days. Nobody contacted me, I called XX/XX/XXXX and was informed they completed the investigation and found no issues with the ATM and said u did not deposit any money. Dispute ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CO

Complaint narrative:
I request an immediate examination of the late payment listed on my report, which appears inaccurate in light of my on-time payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

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

1681c2 ) 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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} 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, 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 2025-08-27 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: PA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureau TransUnion refuses to update the credit file even though show evidence from the credit card statements with XXXX balance .. currently there's two accounts TD Bank Target for an amount of XXXX ... And the second account is XXXX store card with a balance of XXXX... Both accounts have been paid off as both credit card Banks statement show XXXX balance...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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, 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
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I ordered a bag from XXXX and was charged {$1500.00}. A few days later I received an email that my order was cancelled because the bag is not in stock. I went back to their site and saw that there was another one available, but for {$210.00} more. I emailed XXXX to find out if they will match the price to the original one I ordered but they do not offer price matching. Placed a second order on XX/XX/year> and was charged {$1700.00}. XXXX ending up sending me both bags even though they sent an email that my first order was cancelled. I also reached out after receiving the cancellation email to find out if they will price match. I let them know both bags were sent, even though I received an email that the first order was cancelled and they also confirmed it was cancelled when I reached out. I told them that I expect a full refund for the 2nd order because the only reason I placed it was that my first order was cancelled. Not only did they not refund me the full amount, it wasn't even the full amount for the first order. I received a credit of {$1500.00} on XX/XX/year>. I've been going back and forth between the merchant and XXXXXXXX XXXX Eventually I was able to get XXXX to give me a full refund but it hasn't posted to my account. I don't think XXXXXXXX XXXX has real people answering messages because the response never answers any of my questions. Calling is not any better because they either tell me they can't give me any updates about my dispute that I will receive something in the mail but I have yet to receive anything in the mail regarding my dispute. Also, when I call, it sounds like they're on a cell phone and it breaks up a lot. I'm told to call back in an hour because they're having technical difficulties, I do that I'm told to try again later. Called again and was told to try the next day. This is the worst credit card company I've ever had to deal with. I just want my refund that the merchant agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
I applied for IDR since SAVE has been abolished and I KNOW that I input that I am single and have 2 dependents on my application. On XX/XX/year> I received an email that my monthly payment will be XXXX with first payment due XX/XX/year>. That seemed high so I called to confirm and the man I spoke with said that payment was generated based on 0 dependents even though again I KNOW I input 2 dependents because its a pretty straightforward application online and Im not stupid. So he explained how to update my dependents and submit for payment review which I started to do but the website generated a payment of {$500.00} something per month. This makes zero sense if the equation to determine payment is based on gross annual income, marital status, and number of dependents to determine discretionary income. OBVIOUSLY, if number of dependents increases, the payment should decrease. The man I spoke with agreed but had no answers for me and we agreed he would have a supervisor call me back. No one ever called me back to resolve this. I filed a complaint with the ombudsman re : this on XX/XX/year> case number XXXX. Turn around time is 15 days per the email I received. I havent heard from anyone yet so I guess theyre waiting the full 15 days. This system and Aidvantage are a joke. I called back XX/XX/year> and I spoke with another man who agreed that yes my payment should decrease when calculated with the correct amount of dependents but he couldnt tell me why it isnt calculating appropriately and doesnt know how to help. I spoke with a supervisor finally on XX/XX/year> and she assured me she filed an escalated ticket to have my payment properly calculated and I should hear back soon. Today is XX/XX/year>. My payment is due XXXX and I have yet to hear back or receive a properly calculated monthly payment amount. Im glad to pay my loans as I have faithfully and never missed a payment due since I started repaying. It is absurd that the company that is managing my loans doesnt have staff or systems competent enough or accurate to determine my monthly payment based on my discretionary income. I imagine it is literally just a formula based on my family size and income. What is so hard about this? I request that this be investigated asap. By the way, its been 15 days and I have no response from the ombudsman. Why bother having an ombudsman if they dont respond either?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is 31846 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Facts & Procedural History Initial Debt Validation Request ( received XX/XX/year> ) : Respondent was formally served with a debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The request demanded, among other things : The original wet-ink signed contract ; Full accounting and ledger records ; Proof of assignment and right to collect ; Licensing and registration information.

Respondent failed to provide adequate proof of claim, responding only with uncertified statements that were not executed under penalty of perjury Notice of Fault and Opportunity to Cure ( received XX/XX/year> ) : Due process in administrative procedure was extended when a Notice of Fault and Opportunity to Cure was issued. This letter explicitly gave Respondent 15 days to cure their failure by producing the sworn affidavit and complete documentation demanded in the original validation request. The Respondent again failed to respond properly, ignoring the substance of the request Notice of Default and Final Statement ( received XX/XX/year> ) : After Respondents continued non-compliance, a Notice of Default was served, thereby completing the administrative process. At this point, Respondent was in dishonor in commerce and all unrefuted facts in the affidavits stand as truth, per maxims of law : He who does not deny, admits.

An unrebutted affidavit stands as truth.

Violation of Law Despite failing to validate the alleged debt, Respondent proceeded with litigation. This constitutes a direct violation of the FDCPA, which prohibits collection activity until proper validation is provided ( 15 U.S.C. 1692g ( b ) ).

The only evidence presented were unsworn statements, which are inadmissible and lack evidentiary weight, as they were not made under penalty of perjury. 
Proceeding with suit without proof of claim amounts to fraudulent misrepresentation and deprivation of due process rights.

Judicial Bias The presiding judge erred by allowing the matter to proceed without requiring proof of claim. This undermines the statutory protections afforded by the FDCPA and demonstrates judicial bias against the Defendant, who had properly preserved their rights through the administrative process.

Conclusion The record shows that : Respondent never validated the debt as required by federal law.

Respondent was provided multiple opportunities to cure their faults but failed.

A Notice of Default was entered, standing as truth in commerce.

Any subsequent lawsuit filed absent proof of claim was unlawful, void, and conducted in violation of federal consumer protection laws.

Accordingly, the debt collector lacked standing and legal right to collect. The alleged judgment is fatally defective, rooted in bias, and must be challenged as void ab initio for want of jurisdiction and failure of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MOHELA
State: OH

Complaint narrative:
b'Mohela Student Loan company left message regarding debt on my landlords phone - grant XXXX was agent calling from XXXX XXXX XXXX

Company response to consumer: Closed with explanation