vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
FOR 7 MONTHS I HAVE DISPUTED THESE ITEMS, I HAVE supplied POLICE REPORT, FTC REPORT AND I HAVE NOT received a resolution. WHICH LEAD ME TO FILE complaint. 

{$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$84.00} Updated on XX/XX/XXXX XXXX  XXXX Balance {$28.00} Updated on XX/XX/XXXX XXXX  XXXX Balance {$83.00} Updated on XX/XX/XXXX XXXX {$4100.00} Balance updated XX/XX/XXXX Credit limit {$1500.00}. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Credit usage 100 % Balance {$340.00} Balance updated XX/XX/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 2025-05-31 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:
FOR 7 MONTHS I HAVE DISPUTED THESE ITEMS, I HAVE supplied POLICE REPORT, FTC REPORT AND I HAVE NOT received a resolution. WHICH LEAD ME TO FILE complaint. 

{$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$84.00} Updated on XX/XX/XXXX XXXX  XXXX Balance {$28.00} Updated on XX/XX/XXXX XXXX  XXXX Balance {$83.00} Updated on XX/XX/XXXX XXXX {$4100.00} Balance updated XX/XX/XXXX Credit limit {$1500.00}. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Credit usage 100 % Balance {$340.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened a no-fee, no-minimum-balance-required, no-activity required checking account with PNC bank around XXXX, when it was still called XXXX XXXX, before PNC bought out XXXX XXXX  XXXX XXXX I don't often use this bank account, so I thought I just had money sitting there. When I went to check my account activity I saw that I was charged a {$7.00} " service fee '' for what turns out to be the past year, so for the past XXXX months, PNC Bank has been siphoning funds from my account without my knowledge or consent. The most important thing is that every single time when I would log into my PNC Bank app, the app notified me that : " ... You will not be charged a monthly service fee on your Virtual Wallet Accounts. The charge will be continued to be waived regardless of balance or direct deposit status ... '' Why has PNC consistently been notifying me of the fact that I won't be charged a service fee and then charging me a service fee behind my back? I'm very disappointed. They said they couldn't refund the bulk of these funds to me because my account didn't meet minimum balance requirements : minimum balance requirements that I was never notified of and therefore could not consent to or know to aim towards. I spoke to XXXX representative who tried to be helpful and help me escalate my case. And then I was connected to someone else, who did not have more authority than the first representative, but who was patronizing, telling me that refunding XXXX months of fees is the most she can do as a courtesy, telling me I should have known about a minimum balance requirement that did not exist when I opened the account and that I was never notified of. Apparently my case is being escalated to someone with the authority to help me, but I shouldn't have to ask : They shouldn't be siphoning funds from me while their system simultaneously kept notifying me that any monthly service fees were being waived on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: MO

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: FISERV FINXACT CORE
State: MO

Complaint narrative:
I previously disputed the reporting of my personal information and accounts and information, requesting full suppression and deletion under FCRA 602 and 604 ( a ). I did not authorize this reporting and there is no permissible purpose for them to maintain or share my data.

Despite my requests, they continue to report this information, violating : FCRA 602 Right to privacy FCRA 604 ( a ) No permissible purpose FCRA 611 ( a ) Failure to remove unverifiable disputed info FCRA 607 ( b ) No reasonable procedures to ensure accuracy or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-05-31 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: CORELOGIC INC
State: MO

Complaint narrative:
I have previously disputed the reporting of information and requested suppression and deletion under the Fair Credit Reporting Act ( FCRA ). I have not provided consent or authorized these agencies to collect, maintain, or distribute any of my personal or financial data. Their continued reporting violates my privacy rights and lacks permissible purpose, in violation of : FCRA 602 Right to privacy FCRA 604 ( a ) No permissible purpose for collecting/reporting FCRA 611 ( a ) Failure to delete unverifiable, disputed information FCRA 607 ( b ) Lack of reasonable procedures to ensure lawful use FCRA 605A ( i ) Duty to block disputed information upon request

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 2025-05-31 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: NY

Complaint narrative:
I

am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-05-31 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: NY

Complaint narrative:
I

am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I can not get in touch with any one. I have email the Ceo don't know if he will email me back or not. First I must say my family is being targeted by our XXXX XXXX XXXX XXXX XXXX XXXX, Cyberstalkers, Cyberbullies, Hackers, Everthing that goes a lone with cowards. One or both of them has called my mortgage company and trying to make mortgage higher. Apparent who ever is try to ajust my mortage has notlook at the date that's on mortgage deeds my mortgage has been due the same day of the month for 34 years. This is an illegal move they made. I have never missed a payment in 34 years never. I have had hard times but I have never missed a payment. I recieved an escrow update statement in XXXX. They have everything figure out about right. I even recieved an escrow over payment check. This company has only paid one bill I guess they pay it that my homeowners insurance around XXXX. It was XXXX last year. My property taxes has never been over XXXX. They haven't received that bill yet and should be even lower this year I should have a XXXX credit I am XXXX : years old. My question how can the double my escrow. Why would they recalculate my escrow if they just update my escrow in XXXX. Every other mortgage company normally update escrow once a year and if you are short they ask you to pay it at that time.

I want to know what bill they received that I did receive? And who do I contact if they have made illegal changest to my deeds or note? 
Getting back to XXXX and XXXX a police report will be written. I need the president of the company or some other ceo to call me. They should be able to pull up my mortgage with my phonev # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment.

4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature. 
6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA.

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I asked for an update about my deferment application to which I never recieved a response and when I tried to check my inbox for the message I sent, it was gone. After that I began repaying my loan and I approved of the automated monthly loan but it kept being pushed back by around 3 months and by the time it took my payment after making sure I had my payment on autopay multiple times, it said on my credit score online that I had a past due balance with mohela and it decreased my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
I DONOT HAVE ANY KNOWLEDGE OF THESE ACCOUNTS, PLEASE REMOVE OR DELETE FROM MY CRA'S- COLLECTION DISPUTE - XXXX XXXX XXXX {$640.00}, XX/XX/XXXXXXXX {$760.00}, XX/XX/XXXXXXXX {$270.00},XX/XX/XXXXXXXX {$800.00}, PXX/XX/XXXXXXXX XXXX {$3200.00}, XX/XX/XXXXXXXX XXXX {$910.00} - XX/XX/XXXXXXXX {$1100.00}, XX/XX/XXXXXXXX {$610.00}, XXXX XXXX XXXX XXXX {$13000.00}, - INQUIRIESXX/XX/XXXXXXXX I HAVE FILED A FTC, POLICE REPORT, AND SENT CERTIFED LETTERS TO ALL CREDIT REPORTING AGENCIES, TO REMOVE/DELTE THESE FRAUD ACCOUNTS.

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
-- - Original Message -- - Sent : XX/XX/year> XXXX XXXX To : M & T Bank Subject : RE : General Account Question Regarding account : XXXX - This was a formal request that all extra amounts beyond fees be applied to principle not interest as is my right! Please explain further as i am trying to pay down sooner -- - Original Message -- - XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX Subject : RE : General Account Question Dear XXXX XXXX XXXX XXXX Thank you for your M & T Installment Loan inquiry XXXX 

Additional payments can not be designated to only the principal balance for your M & T Installment Loan account. If your account is paid to date and a payment is made in excess of the regular payment amount, it will be applied to your account as follows : - Outstanding Fees - includes interest, late fees, extension fees and miscellaneous fees- Additional Principal Balance Reduction If you have any additional questions, please email me or contact the M & T Telephone Banking Center at XXXX. Representatives are available Monday through Friday XXXXXXXX XXXX XXXX, Saturday and Sunday XXXXXXXX XXXX XXXX XXXX. 

Thank you for banking with M & T.

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 2025-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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