vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am filing a complaint against PNC Bank regarding several unauthorized ATM withdrawals. 

On XX/XX/2025, and XX/XX/2025, my companys business account XXXX XXXX was compromised, resulting in unauthorized withdrawals totaling {$2500.00} from a PNC Bank ATM. 

I believe this XXXX be connected to a potential data breach at PNC Bank. Despite contacting the bank on XX/XX/2025, to report the issue and request resolution, the matter remains unresolved. 

I believe PNC Banks failure to address these unauthorized withdrawals is unfair, misleading, and potentially in violation of banking regulations. 

This situation has caused my business financial loss, stress, and an inability to access funds when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: LA

Complaint narrative:
My mortgage had an {$84000.00} HUD partial claim lien filed in the mortgage records in XX/XX/year>. Under HUD Handbook 4000.1, servicers are required to protect HUDs lien interest and ensure HUD is notified and joined as a lienholder in foreclosure. 

LoanCare did not notify or join HUD in the foreclosure, yet the lien was erased from the parish mortgage records after the sheriffs sale. A federal lien can not be extinguished without HUDs consent. By doing this, LoanCare violated HUD servicing requirements and RESPA.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PERSONAL INFORMATION BEING REPORTED IN INCORRECT PERSONAL INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT.

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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I purchased a house XX/XX/XXXX wich required me to purchase homeowners insurance for the closing of the property wich was supposed to be paid through my mortgage company and my escrow. The mortgage company didn't pay the homeowners insurance and my homeowners insurance collapsed on XX/XX/XXXX without my knowledge to me or any communication from my mortgage company. Without my knowledge they placed hazard insurance on my property almost tripling my homeowners insurance. Only until the hazard insurance expired in XX/XX/XXXX did they start sending me letters abouts my mortgage insurance. When I called them about the issue they kept lying about the issue and kept telling me I needed to contact the insurance company and the title company to get the situation resolved having full knowledge the insurance was cancled in XXXX due to them not paying for the insurance that I pay for in XX/XX/XXXX for 3 months. After lying to me and the insurance company for two months the purchased hazard insurance again on my house over drafting my escrow by XXXX dollars raising my mortgage by XXXX dollars from XXXX to XXXX. On my settlement statement from the purchase of the property it clearly shows the homeowners insurance was paid by me for 3 months at a cost of XXXX at XXXX per month for 3 months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: PA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against SPS Servicing regarding their handling of my request for mortgage assistance. In XXXX, I contacted SPS Servicing and provided all the necessary documentation for the XXXX. Despite this, they have continued to send letters indicating missing documents and requesting additional items. 

At present, the only outstanding document is another bank statement, which I will be able to provide by Friday. However, it is deeply concerning that, in the meantime, a XXXX XXXX was filed on XX/XX/year>, despite my ongoing application and submission of all required mortgage assistance documentation. 

I am seeking your assistance in addressing this matter promptly and ensuring that my application is processed fairly and without further unnecessary delays AND the foreclosure process is halted as this is dual tracking which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Self Financial Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, have repeatedly disputed an account reported on my credit reports : Self XXXX  Credit Card ( Account No. XXXX ), opened XX/XX/XXXX and closed XX/XX/XXXX. I have requested, in writing and via certified mail, the Method of Verification ( MOV ) and full validation documentation from both the furnisher ( Self Financial / Lead Bank ) and the credit reporting agencies ( CRAs ) for months. 

My disputes specifically requested validation and Method of Verification under the FCRA : the original signed agreement, a complete accounting of the debt, the exact records Self provided to the bureaus, and the procedure/person used to verify the tradeline. 

In multiple certified letters to each CRA, I explicitly stated this is not a disputethis is a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ). Despite that, the CRAs processed my MOVs as ordinary disputes, simply forwarding them to Self, then closing them as verified without providing the required description of the verification procedure, the information reviewed, or who was contacted. Self also failed to produce the underlying documents to me or to the CRAs. 

On XX/XX/XXXX, Self responded to my prior CFPB inquiry ( Case # XXXX ) complaint by providing only a generic, unsigned Cardmember Agreement ( Pricing Schedule ) and a narrative ; which I have attached to this complaint. On XX/XX/XXXX, they sent me a direct email followed up with an internal payment ledger. Neither of these are legally sufficient. 

These documents are not the original signed contract nor are they the full set of documents necessary to substantiate the accuracy of the tradeline.

Despite this, the CRAs continue to report the tradeline as verified, relying only on Selfs incomplete information. Payment logs are not proof, and boilerplate agreements are not proof. Continuing to furnish and publish unverifiable data violates FCRA 623 ( a ) and ( b ), 611 ( a ) ( 7 ), and 607 ( b ). I have acted in good faith, sending multiple certified letters and disputes. Self and the CRAs have repeatedly failed to provide the legally required documentation. Their investigation did not fix the error on my report and has caused me financial harm, credit denials, and reputational damage.

I am requesting that CFPB require Self and the CRAs to either ( 1 ) produce the original signed agreement, accounting, and full MOV records, or ( 2 ) delete the tradeline from all three bureaus immediately and certify no reinsertion without full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
XXXXI did not consent to, or authorize nor benefit from any of the following inquiries. Please  Block and remove it. 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

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 2025-10-01 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: SC

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Personal Information Dispute Subject : Correction of Personal Information on File Dear Credit Bureau, My credit report contains incorrect personal information. My correct details are : - Name : XXXX XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone Number : XXXX Please remove all other variations of my name, former addresses, and phone numbers.

This request is supported under FCRA 607 ( b ), which requires maximum accuracy. 
Sincerely, XXXX XXXXXXXX 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I tried to redeem XXXX points toward airline tickets purchased from XXXX. The points were removed from my account on XX/XX/XXXX. I never got a confirmation email which has never happened before. Ive been a cardholder since XXXX. I called Customer Support on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also wrote to the CEO on XX/XX/XXXX and spoke to a Customer Support supervisor today on XXXX. There are no explanations for why this is happening and no estimate for a timeframe for resolution. I made XXXX smaller redemptions since XX/XX/XXXX and got immediate email confirmation AND a credit to my account. I asked if it was because it was a larger redemption than usual. I also asked if they could reverse the point redemption, so I could apply it to smaller travel purchases. The normal CS agents read from a script. The supervisor was no help. She said I had to wait XXXX  days. When I asked what would happen if they still didnt credit my account, she gave a very vague answer about starting a process. Im starting to think CapitalOne is a shady company. Why should I wait XXXX  months for a {$1200.00} statement credit? These are rewards I earned over a XXXX  year period. I will have to pay that amount and hope they credit my account in XXXX  months?? I dont trust them based on the lack of information and XXXX response from the executive team so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Im a victim of identity theft linked to the XXXX  Equifax data breach. Unknown persons used my information to open/use accounts I never authorized. In XXXX I found multiple derogatory items on my [ EquifaxXXXX ] report that do not belong to me. Im attaching my FTC Identity Theft Report and documentation. Please block and delete all identity-theft-related items under FCRA 15 U.S.C. 1681c-2, notify furnishers, and send me an updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint doubles as a formal debt validation request to Portfolio Recovery Associates, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that Portfolio Recovery Associates is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Dept of Ed/ Aidvantage is reporting student loan accounts in my name that are fraudulent/identity-theft accounts. 

I was impacted by the XXXX  breach ; these loans are consistent with identity-theft activity that followed. 

I did not authorize, apply for, or receive these loans. I filed an FTC Identity Theft Report and provided proof of identity. Despite notice, the servicer has continued to furnish the loans as valid, and the credit bureaus continue to display themcausing significant harm. 

This violates the FCRA and the servicers GLBA privacy obligations. Furnishing and redisclosing fraudulent loan information to third-party CRAs is an unauthorized disclosure of my private financial information ( GLBA, 15 U.S.C. 68016802 ), and violates FCRA duties to furnish and maintain accurate, non-misleading information. 

Laws/regs violated : FCRA : 15 U.S.C. 1681c-2 ( duty to block identity-theft info ) ; 1681e ( b ) ( maximum possible accuracy ) ; 1681i ( reinvestigation ) ; 1681s-2 ( a ) ( no furnishing inaccurate info ) Reg V ( CFPB ) : 12 C.F.R. Part 1022 ( furnisher duties ; accuracy/misleading reporting ) GLBA : 15 U.S.C. 68016802 ( safeguards ; limits on disclosure of nonpublic personal information ) FTC Red Flags Rule : 16 C.F.R. 681 ( identity-theft prevention program obligations ) Timeline & efforts to resolve : Date discovered : XX/XX/year> FTC Identity Theft Report filed : XX/XX/year>, Report/Ref # : XXXX Disputes sent to XXXX XX/XX/year> Responses received : No adequate response/corrections Despite receiving notice of identity theft, the servicer continued furnishing these loans, and the bureaus continue to display themcausing credit denials, higher costs, and emotional distress. 
The servicers ongoing reporting constitutes an unauthorized disclosure of my nonpublic personal information to third-party CRAs, contrary to its privacy notice and the GLBA. 
The bureaus have not blocked or deleted the fraudulent tradelines as required by 15 U.S.C. 1681c-2.

Legal violations ( non-exhaustive ) : FCRA : 1681c-2 : Duty to block identity-theft information upon receipt of an identity-theft report.

1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy.

1681i : Reinvestigation duties when a consumer disputes.

1681s-2 ( a ) : Furnishers must not report information they know or reasonably should know is inaccurate or misleading. 
CFPB Regulation V ( 12 C.F.R. Part 1022 ) : Furnisher accuracy and integrity obligations ; prohibition on misleading reporting. 
GLBA ( 15 U.S.C. 68016802 ) : Duty to protect the security and confidentiality of customer information and limit non-permitted disclosure of nonpublic personal information to third parties.

FTC Red Flags Rule ( 16 C.F.R. 681 ) : Failure to detect/respond to identity-theft red flags on covered accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Goodwill Deletion Request Car Insurance Collection Account ( Policy Number # XXXX ) Dear XXXX XXXX  XXXX XXXX, I am writing to respectfully request the removal of a collection account from my credit report related to an auto insurance balance associated with XXXX  XXXX  In XX/XX/XXXX, I was placed on XXXX XXXX due to XXXX  necessity and was under my physicians orders to avoid operating a motor vehicle. During that time, I was unable to use my car and was facing significant health and financial challenges, including loss of income and increased medical responsibilities related to my XXXX and recovery. 
Unfortunately, I was not aware that a balance had accrued or that it would be sent to collections. Had I known, I would have done everything in my power to prevent the account from falling behind. Since becoming aware of the issue, I have [ state if youve paid the balance or are willing to pay e.g., paid the balance in full or am fully prepared to resolve the amount owed immediately ]. 
I understand the importance of timely payments and take full responsibility for the oversight. However, I respectfully ask that you consider removing this collection account from my credit report as a gesture of goodwill, given the exceptional and temporary circumstances I was under. 
This collection is having a significant negative impact on my credit standing, despite my efforts to maintain financial responsibility before and after this incident. I am working hard to rebuild, and a goodwill deletion would be a meaningful step forward. 
Thank you for your time and consideration. I would be grateful for the opportunity to resolve this matter with compassion and mutual understanding. Please feel free to contact me if further documentation or discussion is needed. 


Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of Birth : XX/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