vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
Notice of intent to lodge criminal complaint with Attorney General of XXXX  against Pressler Felt and Warshaw and Advanced Resolutions Investment. 

You are pursuing me for a debt XXXX XXXX XXXX that I did not sign a contract for. XXXX XXXX XXXX You havent provided the contract with my signature. 

I will be pursuing an additional remedy. 

I will be reporting you to the Attorney General of XXXX bureau of consumer protection office. His name is the Honorable XXXX XXXX. In my complaint, I will ask him to pursue a criminal complaint against you, due to you using the United States Postal Service to pursue someone without a contract. This is illegal! 

I was always told as a child that if a crime in progress, one needs to let the authorities know, so I will be letting the attorney general know about this. 

Pressler, Felt and Warshaw have broken the law so has advanced resolutions investment. No contract no signature provided! Illegal! And to boot they use the USPS system to carry this out. Which could possibly interpreted as mail and wire fraud. Ill include this in my complaint to the attorney general.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I was the victim of a scam involving a third party impersonating XXXX. They tricked me into authorizing a {$200.00} transaction through my Revolut account. As soon as I realized it was fraud, I submitted a dispute with Revolut and provided clear evidence, including screenshots of the scam and the deceptive communication.

Despite this, Revolut denied the dispute solely on the grounds that I manually confirmed the transaction in their app. They ignored the context and deception behind that confirmation. I repeatedly requested that the case be escalated to their complaints department or a senior fraud investigator. Each time, my requests were dismissed. I was told the case was closed and advised to file a police report instead. 

This handling is unacceptable. Confirmation made under fraudulent influence is not consent. I was denied a proper investigation and escalation path, and Revolut refused to provide the case handlers name or any further accountability. Im asking the CFPB to review Revoluts dispute process, which fails to protect victims of digital impersonation scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dear Federal Trade Commission, I am writing to formally report a case of suspected identity theft involving unauthorized hard inquiries on my credit report. 
On reviewing my credit report, I discovered multiple hard inquiries from companies with which I have never applied for credit or conducted any business. The following inquiries were made without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 I have not initiated any applications for auto loans or financing with these companies, nor have I authorized any third party to do so on my behalf. I believe this activity may be linked to identity theft or unauthorized use of my personal information, possibly through a dealership or fraudulent source. 
I respectfully request that the Federal Trade Commission investigate this matter further and provide guidance on the next steps for protecting my identity and restoring the integrity of my credit report. 
Enclosed with this letter are copies of my government-issued ID, credit report showing the inquiries in question, and any relevant documentation for your review. 
Thank you for your attention to this serious matter. I look forward to your response and any assistance you can provide. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$360.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent 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 you were not opened, made, or initiated by me. 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 # ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Scratch Financial, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I brought my sick cat to XXXX XXXX XXXX XXXX. I was quoted a {$4200.00} maximum and paid {$3000.00} through Scratchpay ( Loan ID : XXXX ). After admitting my pet, I was told I must pay an additional {$1500.00} immediately or they would surrender my cat. I was denied a payment plan, ignored when I asked for options, and pressured while emotionally distressed. 

A third party paid the {$1500.00} without my full consent, leaving me indebted to them. After XXXX, I was told I could pick up my pet, but they added more charges and refused release until I agreed to pay another {$770.00}, which I was forced to finance through a second Scratchpay loan ( Loan ID : XXXX ). 

I was misled about total costs, billed for treatments I declined, and given contradicting stories. The staff treated me with hostility and refused to communicate once I asked for clarification. This was a predatory and coercive financial situation. I did not freely consent to either loan. 

These actions violate : FCRA ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate or unfairly obtained debt TILA ( 15 U.S.C. 1601 ) : Lack of full disclosure before loan approval UDAAP ( 12 U.S.C. 5531, 5536 ) : Financial products offered through deception or pressure I am requesting investigation and removal of both Scratchpay loans from my credit due to coercion, misrepresentation, and lack of informed consent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Acct XXXX company portfolio recovery associate 15 usc 1692c ( c ) if a consumer notifies a debt collector that a consumer refuses to pay a debt the debt collector must cease all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: FL

Complaint narrative:
I am disputing identity theft information on my credit report under FCRA 1681c-2, and I am submitting this complaint because Equifax has failed to act despite receiving proper documentation, including my FTC Identity Theft Report ( FTC Report XXXX : XXXX ). 

The following accounts, which are not mine, continue to appear on my Equifax credit file : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Equifax has ignored my dispute, failed to block these accounts within four business days as required by law, and has never provided any contracts or documentation to validate these entries. My ability to provide housing for my children is being jeopardized by this inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NV

Complaint narrative:
Vanderbilt mortgage began payments months before XXXX finished home Refused to pay. Ruined my credit finally XXXX homes started paying Never any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Dear CFPB team, I am writing to follow up on my complaint about XXXX XXXX ( loan account ending in XXXX ) and the incorrect XXXX late payment reported in XX/XX/year>. XXXX previously assured me that this late payment would be removed due to my approved economic hardship deferment, but I have confirmed it is still listed on my credit report. Under the Fair Credit Reporting Act, XXXX is required to investigate and correct any inaccurate reporting. Despite my agreement and documentation, the error persists. I have also filed disputes with Experian, Equifax, and TransUnion, and sent evidence of my deferment, but no correction has been made. 

I respectfully request that CFPB ensure XXXX updates the credit bureaus to remove this erroneous delinquency immediately. If XXXX can not verify the accuracy of this late payment, the law requires it to be deleted. Please escalate this matter as needed ; for example, I am prepared to bring this issue to the Department of Educations FSA Ombudsman if it remains unresolved. Thank you for your assistance in enforcing my rights under federal credit reporting law.

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 2025-04-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, A company called XXXX XXXX  used cash app to get customers to make so called investments into XXXX When the market was up then you could withdraw the funds. However, that was not the case. After trying to withdraw a portion of your investment, the company made people pay withdrawal fees just to withdraw your original investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately by TransUnion.

I have enclosed a valid FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my claim. 

Under the law, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified information within four business days. The following fraudulent accounts are still being reported by TransUnion : XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX These accounts are the result of identity theft and have already been deleted or not verified by other bureaus, yet TransUnion continues to report them. I have contacted TransUnion several times to resolve this matter, but I have received no effective response. 

This ongoing reporting is preventing me from securing housing for my children, and the creditor has failed to provide any contract or proof after more than 60 days.

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 2025-04-30 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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