vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I closed my escrow with PNC XX/XX/year>. I received a letter XX/XX/year> ( attached ) from PNC confirming that ( XXXX ) I closed the escrow account, ( XXXX ) my monthly payment would henceforth be {$1900.00}, and ( XXXX ) I would receive a check for the balance remaining in my escrow. 

On XX/XX/year> PNC withdrew {$3100.00} from my checking account, well above the {$1900.00} I owed. I called PNC XX/XX/year> and they claimed it was a mistake that they accidentally continued withdrawing the escrow amount, and would ensure it did not happen again. They said they would reimburse me for this overcharge in addition to paying me the balance in my escrow account they had yet to send. 

On XX/XX/year> PNC withdrew an additional {$3200.00} from my checking account, again well above the {$1900.00} owed. 

I called PNC XX/XX/year> to inform them that they withdrew excess funds from my checking account again. They claimed they messed up again and accidentally withdrew money for my closed escrow. I also asked them why I did not receive a check for my escrow balance, and they stated it had been sent in late XXXX and I would receive it any day. They added that they would escalate this to send me an additional check for the money they erroneously took on XX/XX/XXXX. 

As of XX/XX/year>, I've still not received a single check for the balance of my escrow account or the recent overcharges. 

I called PNC XX/XX/year> to inform them I still hadn't received the check they sent in late XXXX. They then informed my that their claim ( on XX/XX/XXXX ) of sending me a check was mistaken, they'd not even attempted to send me a check yet. I asked about the other check they escalated to send me XX/XX/XXXX, and they informed me they'd forgotten to send that. 

I received a letter in the mail recently ( attached ) indicating that PNC plans to withdraw {$3200.00} from my checking account in early XXXX, again well above the amount I'm supposed to pay ( {$1900.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood flagged my account for review. They told me that I need to provide a bank statement from a year ago, I have not had this bank for a year. When I called they said there is nothing that they can do. I have XXXX $ in the app and they told me that I can not even shut down my account. That I must send the bank statement or theyll keep my money and never return it. This is unfair. I spoke to the bank and they will not give me the statement because I am no longer a customer at that bank. They already have my SS, scans of my ID and biometrics, and bank statements from my other bank that was tied to the account. I want to close my account and they are not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Equifax is reporting erroneous charge-off and collection accounts that stem from a data breach and are entirely unverifiable. These include XXXX XXXX XXXX for {$400.00}, XXXX XXXX  for {$7700.00}, and XXXX XXXX for {$3300.00}. These accounts are inaccurate and no proof of ownership or contract has been provided, despite my disputes. This ongoing reporting of incorrect information without proper validation violates 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ), and Equifax is further liable under 15 U.S. Code 1681n for willful noncompliance with the FCRA. These items must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-24 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: MS

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference

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 2025-04-24 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: NC

Complaint narrative:
I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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: NC

Complaint narrative:
I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-24 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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 submitted ftc reports along others documents to have the fraudulent information removed and they still have not removed it.

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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i submitted ftc reports along others documents to have the fraudulent information removed and they still have not removed it.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate unfair practices and customer service, which violate the consumer financial protection act. Singly, Cash app failed to take the time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

In addition, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution required under the Electronic Fund Transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek all appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello upon checking my XXXX  and quits as well as my XXXX XXXX accounts I noticed fraudulent accounts account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account number XXXX account XXXX account XXXX I contacted all theses account holders and told them these accounts are fraudulent REMOVE THIS COLLECTION IMMEDIATELY, 15 USC 1681a 2B, Any other purpose authorized under section 1681b of this title. ( 2 ) Exclusion-Except as provided in paragraphs ( 3 ) the term consumer reports does not include ( A ) subject to section 1681-3 of this title, any ( I ) report containing information solely as to transactions or experiences between consumer and the person making the report ; Communications of that information among persons related by common ownership or affiliated by corporate. The information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information NOT be communicated among such persons ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS OR HER DECISION SUCH NOTICE MAY BE GIVEN TO A CARDHOLDER, BY PRINTING THE NOTICE ON ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD!! PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES ON CREDIT. THE TERM ACCEPTED CREDIT CARD MEANS AND CREDIT CARD WHICH THE CARDHOLDER HAS REQUESTED AND RECEIVED OR HAS SIGNED OR HAS USED OR AUTHORIZED ANOTHER TO USE, FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES. THEN YOU WILL NOTICE THAT YOUR SOCIAL SECURITY CARD AND ID/DRIVERS LICENSES ARE CREDIT CARDS AND CONGRESS JUST STATED ABOVE THAT ANY AUTHORIZATIONS OR APPROVALS THAT CAME FROM YOUR CREDIT CARD SHOULD NOT BE INCLUDED IN A CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello upon checking my XXXX and quits as well as my XXXX XXXX accounts I noticed fraudulent accounts account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account XXXX account number XXXX account XXXX account XXXX I contacted all theses account holders and told them these accounts are fraudulent REMOVE THIS COLLECTION IMMEDIATELY, 15 USC 1681a 2B, Any other purpose authorized under section 1681b of this title. ( 2 ) Exclusion-Except as provided in paragraphs ( 3 ) the term consumer reports does not include ( A ) subject to section 1681-3 of this title, any ( I ) report containing information solely as to transactions or experiences between consumer and the person making the report ; Communications of that information among persons related by common ownership or affiliated by corporate. The information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information NOT be communicated among such persons ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS OR HER DECISION SUCH NOTICE MAY BE GIVEN TO A CARDHOLDER, BY PRINTING THE NOTICE ON ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD!! PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES ON CREDIT. THE TERM ACCEPTED CREDIT CARD MEANS AND CREDIT CARD WHICH THE CARDHOLDER HAS REQUESTED AND RECEIVED OR HAS SIGNED OR HAS USED OR AUTHORIZED ANOTHER TO USE, FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES. THEN YOU WILL NOTICE THAT YOUR SOCIAL SECURITY CARD AND ID/DRIVERS LICENSES ARE CREDIT CARDS AND CONGRESS JUST STATED ABOVE THAT ANY AUTHORIZATIONS OR APPROVALS THAT CAME FROM YOUR CREDIT CARD SHOULD NOT BE INCLUDED IN A CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive multiple calls a day. I block those numbers and they call from new ones. I have asked to not be called and it hasnt stopped. I do not respond to these type of phone calls because there are too many scams out there now days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AZ

Complaint narrative:
The continued publication of inaccurate information on my credit report has caused significant financial harm and emotional XXXX  Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system. Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I am writing to formally dispute inaccurate information that appears on my credit report. After thoroughly reviewing my credit file, I have identified XXXX or more accounts that do not belong to me and appear to be the result of fraudulent activity. 

I am requesting that you immediately investigate and remove this inaccurate and unauthorized information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These accounts are not mine, and I have never opened them, authorized them, or received any benefit from them. 

Please consider this letter my formal request for deletion of the fraudulent accounts. I ask that you complete your investigation and provide me with a written response confirming the removal. 

Thank you for your prompt attention to this matter.

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 2025-04-24 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$1000.00} CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$160.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$64.00} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts 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