vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$95.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Communication To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that Midland Credit Management , Inc., and any of its agents or affiliates, immediately cease all communication with me regarding any alleged debt. 

This demand covers phone calls, text messages, emails, and postal mail except as allowed by law. 

This letter does not acknowledge or admit to owing any debt. I formally dispute the validity of any claim. Failure to honor this request will result in complaints filed with the CFPB, FTC, and Virginia Attorney General, and I will consider pursuing legal remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AZ

Complaint narrative:
XXXX XXXX is inaccurately reporting a late payment for XX/XX/year> on my credit file. This is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Metro 2 compliance standards. 

Under the FCRA, furnishers must report with maximum possible accuracy and only provide verifiable and complete information. The XX/XX/year> late payment being reported is neither accurate nor properly validated. Continuing to report this false late violates 1681e ( b ) and constitutes furnishing inaccurate and misleading data.

Further, Metro 2 reporting guidelines strictly prohibit misrepresenting account statuses. By coding this account as late, XXXX is willfully reporting data that is non-compliant and misleading, directly damaging my creditworthiness. 

I am demanding that XXXX XXXX provide documented proof that this late payment is accurate XXXX immediately delete the XX/XX/year> late payment and/or the entire account from all credit bureaus. If no verifiable evidence exists, continued reporting will constitute a knowing violation of federal law. 

I request the CFPB compel XXXX to remove this inaccurate derogatory reporting immediately.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( 8 ) Dear Early Warnings, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. As a victim of fraud, I believe the listed accounts are inaccurate and not reflective of my credit history. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX - Open Date : XX/XX/XXXX - Close Date : XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately. Please investigate this matter and provide me with a response as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXXXXXX 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 BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit and my case reference Report Number is XXXX. This is my proof from the US Federal Trade Commission regarding this claim.

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 2025-08-29 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-29 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Balance {$490.00}

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 2025-08-29 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8300.00}

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loop of the Damned!

I asked Wells Fargo to close this claim.

They did not. It remains open.

Now, forced to escalate through the CFPB, it will circle backonce again to the putrid desk of the Executive Office. 

A festering stronghold where XXXX and her confederates weave their web of complicity, cloaking collusion in the guise of protocol, while vital claims languish in wilful neglect. 

This complaint serves as a scathing condemnation of the rot XXXX and her cronies protect a fortress of failure and deliberate neglect. 

Close the XXXX  XXXX and her XXXX XXXX ever get off their seats!

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 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Re : Hunter Warfield Inaccurate and Improper Tenant Reporting Dear CFPB Team, I am writing to formally dispute and request the removal of inaccurate tenant reporting by Hunter Warfield, which has negatively affected my tenant screening reports and caused me significant financial and personal hardship. 

Background : I was a resident at XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
My lease ended, and I have repeatedly tried to resolve the balance and account issues directly with both XXXX XXXX XXXX XXXX ( owned by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, VA XXXX ; tel. XXXX ) and Hunter Warfield ( tel. XXXX ). 
Hunter Warfield improperly reported negative tenant information to tenant screening agencies, including TransUnion and XXXX, despite the account being returned to XXXX as of XX/XX/year>. Hunter Warfield confirmed in writing that the account was closed. 


Dispute : The negative reporting is inaccurate and misleading. 
I have documentation confirming that Hunter Warfield no longer holds the account and that the balance is under review with XXXX XXXX. 
This reporting has caused me to be denied rental applications, including a recent denial at XXXX XXXX. 
I have repeatedly contacted both Hunter Warfield and XXXX XXXX XXXX XXXX without resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I purchased flights with seat assignments, including {$100.00} seats. I later had to cancel and reschedule my flight, which required me to purchase the tickets and seat assignments a second time. The airlines customer service assured me that the original charges, including all seat fees, would be refunded. While the airline did refund the standard seat fees, XXXX XXXXXXXX upgraded seats fee was not refunded. I disputed the charges with my bank and provided documentation, but although the bank accepted the smaller seat refunds, it denied the {$100.00} upgraded seatsrefund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Communication To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that XXXX XXXX XXXX XXXX XXXX, and any of its agents or affiliates, immediately cease all communication with me regarding any alleged debt. 

This demand covers phone calls, text messages, emails, and postal mail except as allowed by law. 

This letter does not acknowledge or admit to owing any debt. I formally dispute the validity of any claim. Failure to honor this request will result in complaints filed with the CFPB, FTC, and Virginia Attorney General, and I will consider pursuing legal remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
On XX/XX/year>2025, I submitted a Qualified Written Request ( QWR ) to Carrington Mortgage Services requesting a full and accurate payment history, a forensic audit of my loan account, an escrow breakdown, documentation proving ownership of the note and mortgage, and accurate payoff/reinstatement figures. Carrington never responded. 

Due to their failure to provide this legally required information, I filed a formal CFPB complaint on XX/XX/scrub> 2025. 

Shortly after that filing : On XX/XX/year>2025, Carrington submitted a Motion for Additional Time in the foreclosure case. 

On XX/XX/scrub> 2025, they filed a Motion to Substitute Plaintiff, attempting to change the named loan holder after I had already challenged their legal standing months earlier in my QWR. 


They never provided any of the information I requested in XXXX. Their filings only came after I began taking formal steps to hold them accountable which suggests they may not have had the proper legal authority all along. 

Then, on XX/XX/scrub> 2025, I filed my own Motion to Dismiss for Lack of Standing in district court ( Case # XXXX ), as Carringtons delay in providing ownership documentation and their sudden attempt to switch plaintiffs in the middle of litigation raised serious red flags. 

This pattern of avoidance and last-minute scrambling raises concerns of potential misconduct and failure to follow federal consumer protection laws like RESPA and TILA. Ive submitted modification paperwork multiple times, tried to resolve this properly, and been met with silence and evasive legal moves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: WA

Complaint narrative:
CFPB Complaint Update Source Receivables Management ( XXXX ) On XX/XX/year>, I received a phone call from Source Receivables Management regarding a disputed apartment debt. During that call, I explicitly requested validation of the debt by mail. The representative verified my address. 

As of XX/XX/year>, I have received no written validation notice, despite FDCPA ( 15 U.S.C. 1692g ) requiring collectors to send such notice within 5 days of initial contact.

This failure to provide the mandatory written notice is an additional violation of federal law, beyond the original dispute of the debt itself. 

I request that CFPB investigate Source Receivables Managements collection practices, require cessation of collection activity until proper validation is provided, and note this as a violation of the FDCPA in their record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
C

omplaint Against PNC Bank Deceptive Advertising and Failure to Honor Promotional Offer To Whom It May Concern, I am filing a complaint against PNC Bank regarding deceptive advertising and failure to honor a promotional offer. PNC Bank sent my wife a promotional coupon offering an {$800.00} reward if we opened a new account and deposited {$10000.00}, with the condition that after a few months we would receive the {$800.00} incentive. My wife opened the account based on this offer and later added my name to it. We complied fully with the requirements : we opened the account as instructed, deposited the required {$10000.00}, and maintained it for the required period. Despite fulfilling all the stated conditions, PNC Bank has failed to provide the {$800.00} reward. When I raised this issue with the bank, they did not resolve it and failed to honor the terms of their own promotion. This conduct is deceptive and misleading to consumers. It constitutes false advertising, as PNC Bank induced us to open an account and deposit a significant sum of money under terms they have not fulfilled. I respectfully request that the CFPB investigate this matter and require PNC Bank to honor their promotional offer. Thank you for your attention.

Company response to consumer: Closed with explanation