vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
In XX/XX/year>, I submitted a written hardship request and called to confirm receipt. A representative told me I was removed from auto-pay and granted a 90-day pause due to financial hardship and my mothers passing. I relied on that in good faith. No notice of legal escalation was given. 

On XX/XX/year>, I proactively called to resume payments and was told the account had already been submitted for garnishment. I received no warning or outreach prior to that decision and was not given a chance to resolve it before legal action. 

This sudden move caused severe hardship and undermined all efforts I made to resolve the debt responsibly. The debt was tied to expenses supporting my late mother. The lack of notice and failure to honor the hardship pause reflects a breakdown in communication and respect for consumer rights. 

I asked the firm again in XXXX for a resolution. They only responded by requesting a full SSN or file number ( which I had already provided ). Im an independent contractor, not a W-2 employee, so this garnishment path is harmful and may not even apply legally. 

Im requesting intervention to stop the garnishment and restore a voluntary repayment option.

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX is providing false information to citizens credit card, 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 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: KY

Complaint narrative:
For my mortgage, I always mail my payment near the first of the month. Late fees do not accrue till the XXXX of each month. PNC mortgage claims that the latest payment was received on the XXXX of the month, even though I mailed it on the XXXX of the month ( and the mail is merely from Kentucky to Chicago -- 3 days max ). So they charged me a late fee {$44.00}. 

I went into my cancelled checks and it seems that PNC frequently sits on the checks for about 2 weeks before depositing them. ( As I said above, I frequently mail them on or near the XXXX of every month ). 

So it seems that PNC is sitting on these checks in order to collect the fees ( or perhaps to get me to go paperless ). Either way, this is a deceptive business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed a formal written dispute to TransUnion regarding the reporting of several accounts and inquiries on my credit report that were accessed and furnished without my knowledge or written authorization. My dispute clearly cited a violation of 15 U.S.C.  1681b of the Fair Credit Reporting Act (FCRA), which states that a consumer report may only be furnished under very specific conditionsone of which is in accordance with the written instructions of the consumer.\n\nI never gave written consent for the following accounts or companies to access or report to my credit file:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn compliance with FCRA verification standards, I also included:\n\nA copy of my government-issued ID\n\nA copy of my Social Security card\n\nProof of my current address\n\nAccording to USPS Certified Mail tracking (#XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion received my dispute on XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX It has now been more than 60 days since delivery, far exceeding the 30-day deadline required under 15 U.S.C.  1681i for completing a reinvestigation.\n\nTo date, I have received no investigation results. The only response I received was a letter from TransUnion requesting verification of my identitydespite the fact that I already submitted all required documentation with my original letter. This appears to be a deliberate stalling tactic to delay a legally required investigation.\n\nTransUnion has failed to meet its legal obligations under the FCRA, and this lack of response has caused continued harm to my credit profile.'

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 2025-05-27 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: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: SC

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 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 2025-05-27 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: SC

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 2025-05-26 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:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account Jefferson Capitol. Im unaware of this debt and did not have oppertunity to dispute this account. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete my account as soon as possible from my report or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I am submitting this complaint due to XXXX failure to properly respond to my identity theft dispute and remove fraudulent information from my consumer credit file, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite me submitting a legal dispute and providing a valid FTC Identity Theft Report, Experian continues to report unauthorized accounts, false inquiries, and incorrect personal information that resulted from identity theft. 

Fraudulent Accounts Listed on My Experian Report : XXXX XXXX ( XXXX Bank ) : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX ( partial for privacy ) Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Phone Number : XXXX My Verified Personal Information : Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX : XXXX ( only number since 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 2025-05-27 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful no
ncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was a victim of some sort of check scam and my account was closed because of it. I don't want this on my records.

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 2025-05-26 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:
reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. I am demanding the company block and remove this fraudulent debt of my consumer report no later than XXXX business days after such information i provide, XXXX ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX XXXX XXXX - {$2500.00}. i have not provided proof under the doctrine estoppel by silence, engelhardt V gravens ( M0281 ) SW715,719 i presume that no proof of the alleged debt, nor therfore any debt, in fact exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. I am demanding the company block and remove this fraudulent debt of my consumer report no later than XXXX business days after such information i provide, XXXX ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX XXXX XXXX - {$2500.00}. i have not provided proof under the doctrine estoppel by silence, engelhardt V gravens ( M0281 ) SW715,719 i presume that no proof of the alleged debt, nor therfore any debt, in fact 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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Consumer Financial Protection BureauXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Formal Complaint Against Credit Bureaus and Debt Collector for FCRA Violations To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint against the credit reporting agenciesXXXX XXXX, and XXXX the debt collector Aldous and Associates. 

I have disputed the accuracy of certain collection accounts appearing on my credit report, most notably an account from Aldous and Associates with a balance of {$580.00}. Despite previous disputes, these accounts continue to be reported as verified without any actual investigation or supporting documentation being provided to me under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ).

I requested the method of verification and documentation from the credit bureaus and the data furnisher ( Aldous and Associates ), but none was provided. I believe this constitutes a failure to conduct a reasonable investigation. 

I respectfully request the CFPB to investigate this matter and require the credit reporting agencies to : Provide evidence of a legitimate investigation and verification process. 

Delete the account if it can not be substantiated. 

Enforce compliance with the FCRA. 

Attached are screenshots from my credit report and previous dispute attempts. I am seeking immediate resolution and correction of these inaccuracies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
I recently reviewed my credit report, and saw multiple inaccurate account that I did not recognize

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection 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 explanation
Consumer complaint received 2025-05-26 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-26 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation