vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: NJ

Complaint narrative:
There is a U.S. Bankruptcy Court item on my XXXX credit report. Per the FCRA 623 ( A ) ( 5 ). If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts have mailed me a letter which emphatically stated that they do not provide any information to credit reporting agencies nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect information regarding public cases from public records. Public records information is Never validated by U.S. Court System due to the Fair Credit Reporting Agency Privacy law. My inquiry to the U.S. Bankruptcy Courts confirmed XXXX has Never validated or verified the public record entity on my credit report neither will they ever be by them. They further stated while they are not liable responsible for any misuse or incorrect public records nor the distribution of said information public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly considering the information indicating a fair credit reporting violation. I need all bankruptcy information currently showing under my social security number to be Permanently Deleted from my credit report immediately. The XXXX Credit Agency needs to provide me with copies of all documentation associated with this public record account bearing either a court order to place this information on my credit report or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the federal law you have exactly 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( A ) ( 3 ). Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such if this unauthorized public record information is not deleted from my credit report with 30 days I will be filing a complaint with the federal trade commission. Failure to respond in a satisfactory manner within 30 days of receipt of this letter will be interrupted as defamination, negligent, enchantment of identity fraud violation of the FCRA. 15 USC 1681b, 15 USC 1681q, 18 USC 1028A, 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I had requested PNC to remove the escrow account from my mortgage if i was eligible. PNC bank said they would charge me {$520.00} fee to remove the escrow from my mortgage. There is no provision in my mortgage security instrument that authorizes this fee. 

When I inquired about the justification for the charge, PNC Bank repeatedly changed its reasoning : Initially, they claimed the fee was specifically stated in my security instrument. Upon review, this was proven false. 
Next they claimed, the fee was imposed by XXXX XXXX XXXX XXXX though they provided no evidence to support this. 
They then changed their position again, they asserted that they could charge me any fee as long as it is not explicitly prohibited by law. 

I believe this fee is predatory and an unfair business practice. PNC Bank has failed to provide a consistent, valid justification for the charge, and their shifting explanations raise concerns about transparency and compliance with mortgage servicing regulations. 

I am requesting that CFPB investigate this matter and require PNC Bank to : Provide a clear and lawful basis for this fee with supporting documentation, or Remove the charge if no such justification exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
All three Credit bureaus have continuously allowed MIDLAND CREDIT MANAGEMENT to report a negative collection account on my personal credit reports. Midland Credit Management has called me and harassed me over this for several years. They have refused to cease and desist with this process. 

The credit bureaus have constantly ignored all of my disputes and requests to block and or remove this in accurate information on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MS

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-17 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: SC

Complaint narrative:
This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
please check the information concerning the eguifax data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: NJ

Complaint narrative:
attempts to complete the withdrawal process properly and with a full understanding of my financial obligations were obstructed by university personnel. Instead of addressing my financial concerns and withdrawal process, I was redirected to consider transferring to XXXX XXXX, an institution that not only has ties to XXXX but also employs the spouse of the individual involved. This pattern of administrative negligence and misdirection prevented me from withdrawing within the refund policy timeframe. As a result, I am now subjected to loans for courses I was unable to attend, as I was instead forced to return to work full-time. It is particularly frustrating that meaningful assistance was only provided after it was too late for me to receive the refund I would have been entitled to had my concerns been handled properly from the start. I would happily provide receipts, however, I no longer have access to the email holding such correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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!

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 2025-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: FL

Complaint narrative:
I have requested XXXX/MOHELA ( both are named as my account was transferred from XXXX  to MOHELA ) to stop calling me during business hours as they continually call me and it is disruptive to my work, as well as requesting communication be provided to me in writing due to my XXXX, as I have had representatives threaten my credit would get worse or that legal action would be taken against me. 

I used to get multiple calls a day ( 3-4 ). Last week I got two calls on the same day, three calls total within the same week. 

I have repeatedly asked them to ONLY contact me outside of work hours, and to utilize mail for communication. I have continued to document all of these calls, as well as provide them written documentation of my request which they have ignored. At one point last year I was even told by a manager that they could call me as many times as they want and there is no law against it. I have this audio conversation recorded along with my other phone calls. 

I believe that XXXX, now MOHELA, are harrassing me and violating law. They refuse to provide communication in writing, even for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: LEXISNEXIS
State: NJ

Complaint narrative:
There is a U.S. Bankruptcy Court item on my XXXX credit report. Per the FCRA 623 ( A ) ( 5 ). If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts have mailed me a letter which emphatically stated that they do not provide any information to credit reporting agencies nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect information regarding public cases from public records. Public records information is Never validated by U.S. Court System due to the Fair Credit Reporting Agency Privacy law. My inquiry to the U.S. Bankruptcy Courts confirmed XXXX has Never validated or verified the public record entity on my credit report neither will they ever be by them. They further stated while they are not liable responsible for any misuse or incorrect public records nor the distribution of said information public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly considering the information indicating a fair credit reporting violation. I need all bankruptcy information currently showing under my social security number to be Permanently Deleted from my credit report immediately. The XXXX Credit Agency needs to provide me with copies of all documentation associated with this public record account bearing either a court order to place this information on my credit report or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the federal law you have exactly 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( A ) ( 3 ). Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such if this unauthorized public record information is not deleted from my credit report with 30 days I will be filing a complaint with the federal trade commission. Failure to respond in a satisfactory manner within 30 days of receipt of this letter will be interrupted as defamination, negligent, enchantment of identity fraud violation of the FCRA. 15 USC 1681b, 15 USC 1681q, 18 USC 1028A, 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance Owed XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 8. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX 10. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX 11. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX 12. Balance Owed XXXX Date Opened XX/XX/XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Date of disputed transaction : XX/XX/XXXX Amount {$99.00} XXXX XXXX Never heard from the merchant after signing up for a appointment for a prescription Filed dispute with synchrony bank on XX/XX/XXXX via fax Never got credit for this dispute

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 monetary relief
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
This misinformation is severely impacting my financial future, limiting my ability to obtain loans, credit, and other opportunities. I am requesting an urgent investigation and the immediate removal of these accounts to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-02-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-17 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: MD

Complaint narrative:
I am writing to urgently address an issue that has come to my attention regarding a fraudulent account on my credit report. Upon reviewing my file, I discovered an account listed that I did not open, authorize, or have any knowledge of. This account is a direct result of unauthorized use of my personal information, and I am taking immediate steps to ensure it is removed from my credit history. This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank USA charged off my account and am reporting charge off on my account and providing a 1099-C. By law when companies charged off in an account they have already been paid and trying to collect the payment twice. Having a charge off on my consumer report is very damaging when trying to get credit. I spoke with them, and they refused to remove the derogatory account ff my credit report.

They keep harassing me sending constant emails about paying off a debt that they have already been paid for through a write off on their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

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