vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-27 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXXCFPB Complaint  Overview of the Issue (PNC Bank / PNC Mortgage)\n\nOn XXXX XXXX XXXX, I mailed a written dispute to PNC Bank / PNC Mortgage regarding inaccurate and unverifiable credit reporting for Account XXXX XXXXThe dispute was sent via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered on XXXX XXXX XXXX, and signed for by an authorized PNC agent.\n\nMy first dispute identified specific reporting errors including account status, payment history, balance, and date last active, and requested verification or correction in accordance with 15 U.S.C.  1681s-2(b) and  1681e(b) of the Fair Credit Reporting Act (FCRA).\n\nOn XXXX XXXX XXXX  PNC issued a response that failed to address or correct the inaccurate information and did not provide any documentation verifying the accuracy of its reporting. The response included only generic statements that did not satisfy PNCs statutory duties to conduct a reasonable investigation.\n\nMy XXXX  Credit Report dated XXXX XXXX XXXX confirms that the same inaccurate tradeline remains, showing that PNC did not perform a reasonable reinvestigation or maintain procedures to ensure maximum possible accuracy as required by the FCRA.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged 23 late payment fees and handling fees by the credit card company over a period of three years. I have always repaid automatically. I also went to the branch many times to ask the staff to confirm my automatic repayment, but unfortunately, I was still charged as many as 23 late payment fees and handling fees

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 2025-10-27 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: UT

Complaint narrative:
Dear XXXX  I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to respectfully request that my previously closed complaint ( Case Number : XXXX ) be reopened and thoroughly investigated. 

In the companys response dated XX/XX/year>, they stated that my signatures were either digital or too small to be used. In accordance with their request, I am attaching a legible, wet-ink signature in a larger size. The company ( I.Q. Data ) also indicated that they would reinvestigate upon receiving a legible, wet signature. 

Additionally, I am again providing my lease agreement and state-issued ID, both of which contain my verified signature. I respectfully request that the CFPB or the company compare these signatures with the move-in inspection form ( Inventory and Condition Form ) that the landlord ( XXXX  ) provided and which I uploaded with my original complaint. 

The move-in inspection form is clearly forged and non-executable it does not contain my signature nor the landlords. Despite this, the company continues to treat it as a valid, binding document to impose charges against me. 

For reference, I have attached : 1. A page containing my clear, wet signature in large size. Also my state-issued ID 2. My lease agreement containing my verified signature.

3. The Inventory and Condition form ( move-in inspection form ) shared by XXXX, which lacks both my signature and the landlords. 

I respectfully request that the CFPB compare the signatures and take appropriate action regarding this forged document. How can they used a forged document against someone to impose charges which is even non-executable ( doesn't contain both parties signature ) Thank you for your continued assistance. 

Sincerely, XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to F

CRA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fr
audulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MOHELA
State: PA

Complaint narrative:
Mohela provided information, but it does not reflect the payment that I made in XX/XX/year>, which is what I have been trying to have reflected in my account somehow for over a year.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
The account listed on XXXX  is void of any detailed information, including account number, creditor, type of debt, or other relevant details. 

{ Midland Credit Management / Opened XX/XX/year>/ Unpaid Balance : {$3000.00} }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a refinance through XXXX  for the auto loan I had with Capitol One. 
On XX/XX/year> XXXX sent a check to Capital One, and XXXX signed the check as received on XX/XX/XXXX. The amount of the check was exactly what I provided XXXX based on 10 days pay-off letter received from Capital One on XX/XX/XXXX. The amount was XXXX dollars. 
Eventhough Capital One received the check and they signed delivered, they refused to cash the check and each time I followed up, they gave me a different answer sending me to XXXX  to provide additional information, and I did. After multiple calls and explaining the story for multiple agents at Capital One over and over, on XX/XX/XXXX finally they connected me to the office of president and opened a complaint case. They told me they will get back to me by XX/XX/XXXX but the date the loan was paid off will remain as XX/XX/XXXX which is the date the check was received by Capital One. However, on XX/XX/XXXX I received a call that the payment is missing and Capital One requested me more information such as copy of the check. When I called the office of president, initially they said they were unaware of the call showing extreme lack of organization in Capital One. Also, XXXX has already sent Capital One everything that is needed to pay off the loan, and Capital one keeps stretching the time to pay off the loan asking for new information every few days. 
XXXX  even proposed to void the previous check the week of XX/XX/XXXX and offered to send Capital One a new check to solve the issue. However, Capital One refused, and told me there is no need. Yet, they have not cashed the check they received, and my loan is not paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-10-27 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: NM

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, which is completely unacceptable. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading. This misrepresentation of my financial history is causing serious concern, and I take this matter very seriously.

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 2025-10-27 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: NV

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I am filing a complaint against the law firm Rubin & Rothman , LLC. This firm shows a blatent disregard for the law and the rights of the consumer. 
They sent me a letter stating that I owe them for a debt from XXXX XXXX  XXXX. I filled out their form and requested validation of the debt by asking for the chain of assignment and the forward flow agreement. As per Code 15 USC 1692g ( a ), they have five days to provide full documentation ( No validation = no collection ). Rubin & Rothman , LLC did not provide this documentation, which is in direct violation of Code 15 USC 1692g ( a ). Instead, they filed a lawsuit against me at the local court house. 
I have looked into this law firm, Rubin & Rothman , LLC and I am dismayed at the amount of negative reviews and complaints against them. I found many complaints through the XXXX XXXX XXXX and found two attorney firms that specifically fight against Rubin & Rothman , LLC due to their repeated violations of the Fair Debt Collection Practices Act ( FDCPA ). These are the links to the two attorney firms : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Rubin & Rothman , LLC do not adhere to the laws. I am requesting your investigation into this law firm.

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 2025-10-27 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: OR

Complaint narrative:
I disputed the XXXX XXXX / XXXX account on XX/XX/XXXX. Equifax verified the account without providing any supporting evidence or verification documentation. 

On XX/XX/XXXX, I sent a Method of Verification ( MOV ) request pursuant to FCRA 611 ( a ) ( 7 ) requesting the description of the procedure used to determine the accuracy and completeness of the account. 
On XX/XX/XXXX, I sent a Non-Compliance follow-up letter after receiving no response. 
As of today, more than 15 days have passed since that second request, and Equifax has failed to provide the legally required response. 

The account continues to report inaccurately and incompletely : It is reported under an incorrect name ( XXXX XXXX XXXX ) instead of my full legal name, XXXX XXXX XXXX XXXX 
XXXX XXXX / XXXX ( XXXX ) confirmed in writing that they can not update my legal name because their system considers it too long and that they could not locate the account under my legal name. 
This tradeline therefore can not be accurately matched to my legal identity. 

In addition, the account history is inconsistent across the credit bureaus : XXXX  shows a 30-day late for XX/XX/XXXX. 
Equifax shows a XXXX late for XX/XX/XXXXXXXX
XXXX  shows a 30-day late for XX/XX/XXXX. 

These differences prove that the data furnished by XXXX is unreliable and that the bureaus have failed to maintain maximum possible accuracy as required under FCRA 607 ( b ). 

Equifax has also failed to provide a description of the procedure used to verify this information, as required under FCRA 611 ( a ) ( 7 ). The lack of a timely response and continued reporting of this inaccurate account constitute clear non-compliance with the Fair Credit Reporting Act.

Additionally, on Equifaxs online credit report, the XXXX XXXX / XXXX account ending in XXXX displays no delinquency in the main tradeline summary, but when clicking into the payment history details, a 30-day or 60-day late appears for XXXX. 

This internal inconsistency within Equifaxs own reporting system demonstrates that the data can not meet the FCRAs maximum possible accuracy standard. A consumer should not have to open multiple layers of a report to discover conflicting information for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-27 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief