vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 
I did not receive this required notification. In essence, this is a serious violation of the FCRA. 

XXXX XXXX XXXXXXXX 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 2025-04-21 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: MI

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$850.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$590.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX XXXX  Balance {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX & XXXX XXXX * XXXX {$1000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$860.00} XXXX  XXXX Bankruptcy XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy, validity, and legality of several entries on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Privacy Act of 1974, I request that the CFPB immediately investigate the following accounts, particularly in light of a serious privacy violation regarding my student loan records. 

Account XXXX : XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/XXXX -Balance : {$490.00} - Status : Unpaid I dispute this account on the basis that I have not received any legally required documentation verifying this debt. I request full validation, including a copy of the original contract and proof of XXXX XXXX XXXX right to collect. Without that, this account should be removed under Section 609 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
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 non-monetary relief
Consumer complaint received 2025-04-20 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding multiple fraudulent accounts that have appeared on my credit report as a result of identity theft. I discovered this fraudulent activity in XX/XX/XXXX and have taken the appropriate steps to report and document the incidents. However, despite filing disputes, two of the affected creditors denied my dispute claims. 

The following fraudulent accounts were opened without my knowledge or consent : XXXX. XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$810.00} 2. Portfolio Recovery Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$480.00} XXXX. XXXX XXXX XXXX XXXX XXXX or Lease ) Account Number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$6600.00} I filed disputes directly with XXXX XXXX XXXX and Portfolio Recovery. Both companies reviewed the disputes but unfortunately denied my claims, despite clear documentation and the fact that I was a victim of identity theft. 

These fraudulent accounts continue to damage my credit standing. I have also submitted a report through identitytheft.gov and included supporting documentation confirming the identity theft. 

I am requesting that the CFPB assist in further investigating this matter and help facilitate the removal of these fraudulent accounts and inquiries from my credit reports. 

Please let me know if any additional information is needed to proceed with this complaint. I appreciate your time and attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding multiple fraudulent accounts that have appeared on my credit report as a result of identity theft. I discovered this fraudulent activity in XX/XX/XXXX and have taken the appropriate steps to report and document the incidents. However, despite filing disputes, two of the affected creditors denied my dispute claims. 

The following fraudulent accounts were opened without my knowledge or consent : 1. XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$810.00} 2. XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1500.00} XXXXXXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$480.00} XXXX. XXXX XXXX XXXX XXXX XXXX or Lease ) Account Number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$6600.00} I filed disputes directly with XXXX XXXX XXXX and XXXX XXXX  Both companies reviewed the disputes but unfortunately denied my claims, despite clear documentation and the fact that I was a victim of identity theft. 

These fraudulent accounts continue to damage my credit standing. I have also submitted a report through identitytheft.gov and included supporting documentation confirming the identity theft. 

I am requesting that the CFPB assist in further investigating this matter and help facilitate the removal of these fraudulent accounts and inquiries from my credit reports. 

Please let me know if any additional information is needed to proceed with this complaint. I appreciate your time and attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AXIA FINANCIAL, LLC
State: NJ

Complaint narrative:
In XXXX, XXXX, AXIA Financial ( XXXX, WA ) send a check to my deceased mother to refund the excess funds impounded for taxes/insurance ( after the loan was paid off ). She was primary on the loan, I was second. They were provided with her death certificate twice & a copy of the Court Order vesting me ( her son ) as beneficiary, heir, executor of her estate in fact there conveyance letter stated " to the estate of .. '' But because the check was limited in duration & made out to a dead person it could not be cashed. I responded multiple times providing instructions, copy of documents ( including the check ) in writing, email, telephone & in person advising them of their error. AXIA did nothing for 17 months until I contacted their president/chief financial officer in XXXX, XXXX. On XX/XX/XXXX, I received a response email from XXXX XXXX, omitting any salutation or identification, admitting the " check previously sent was not cashed '' & asked for an address to mail the {$2800.00} balance due - absent any interest for their failure to provide the money in a timely manner. I responded to this email with an address also criticizing AXIA 's unresponsive history. My response directed them to my financial institution/account. Their dilatory inaction continues & I ask CFPB to contact them & advise that their tardiness in correcting their mistake is fraudulent & bad faith.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
Experience, & equifax is reporting false late payments on my report. I have an XXXX XXXX account that was close on XX/XX/XXXX Name of the company is XXXX For the amount of {$27000.00}. It shows I have XXXX missed payments. I have never been late or delinquent. I have yet to received proof of the late payments. Equifax refuses to delete or remove the late payments for the year of ( XXXX in XXXX, ) ( XXXX in XXXX, XXXX, XXXX & XXXX ). ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) ( XXXX in XXXX ) ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX. ) ( XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) Theres a close account called XXXX XXXX XXXX for the amount of {$5000.00} that was close on XX/XX/XXXX. Experian and Equifax is reporting false account! That is not my account I have no knowledge of that account. This has cause me emotional distress Ive tried numerous time to notify experian and Equifax that this is a fraud account to please remove it from my report! Account was close due to fraud. 

TransUnion and Equifax is also reporting false credit age! My credit age is between XXXX years. Equifax is showing a credit age of XXXX year & XXXX  months. TransUnion is showing a credit age of XXXX & XXXX  months.

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 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I made a purchase through XXXX and paid using my personal PayPal account. I immediately contacted the seller to cancel the order or correct the shipping address because the address was outdated. 

The seller refused, falsely claimed the item had already shipped ( even though no tracking was provided for two more days ), and said he would not issue a refund due to buyers remorse. I have proof that my address change request came before the item was marked as shipped. 

The item was ultimately delivered to the wrong address and I never received it, it was not sent back as I initially thought it would be. PayPal denied my initial claim, and when I called to appeal, their agent was dismissive and hung up. The appeal is open, but Ive received no adequate resolution. I believe PayPal is failing to uphold buyer protection and ignoring valid evidence. 

Im requesting a refund as well as a fair re-investigation by PayPal. I can provide all documentation to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The bank cashed my business and personal checks to the wrong person fraudulently Pnc bank said if I signed the affidavit and got it notarized they would refund my monies same with the fraudulent debit card transactions Its been 4 months and I still have not received my refund checks in the mail as I was promised by multiple Exectitives at Pnc Ive been lied to and now stolen from I just want my refund checks mailed to me for the checks and the debit card fraud Ive provided affadvatits notaries police reports identity theft docs Please mail me my refund checks asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am a victim of hackers, identity theft and I am currently trying to get it under control. Around the same time I realized someone was trying to get in my accounts, cash app had closed my account. I still dont know what the reason was. I tried to appeal the decision and it was denied. They said this is a permeant decision and I will not be able to open up a new cash app. I do not agree with this decision because it could have been someone else in my account at the time, due to identity being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have tried to contact Citibank regarding monies I am owed for NSF fees, overdraft fees, and other fees in which I was charged, causing my account to become overdrawn for such a period of time that the account was closed due to a negative balance. 
The bank has the been involved in class action lawsuits for these very issues and had to refund/issue checks to thousands of customers. 
I am XXXX of those customers and I believe I am owed by Citibank for causing me unnecessary NSF fees, overdraft fees, and ultimately the closure of my checking account, causing me to be unable to open another account at most banks. 
I contacted Citibank multiple times in XXXX, and early XXXX to inquire why I hadn't recieved refunds or credits by them for my account, and they refuse to tell me anything about the account because I can not verify the account number. I do not have this number on anything because my documents were paperless and Citibank refuses to assist me with my account and charges incurred due to their funds availability policies and overdraft 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 2025-04-20 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:
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. 

XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: EdFinancial Services
State: TN

Complaint narrative:
I am submitting this complaint due to a confirmed data breach through XXXX XXXX, the third-party technology provider for my loan servicer, Edfinancial Services.On XX/XX/year> Department of Govenrment Effciency ( DOGE ) gain access to multiple internal systems within the Department of Education , including financial aid dataset that contains my personal information amgoust others that's enrolled in the federal student aid program.My personal information was compromised, which under federal law that information was protected. Now my information and credit reports are seeing adverse affects from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MA

Complaint narrative:
I opened a credit card with US Bank a few months ago and recently encountered an issue where my account was unexpectedly closed. The card was used for business purposes, and I had been making payments from my business account ( which I own ). At some point, US Bank froze the account due to concerns about the payment method.

During an online chat with a representative, I was informed that payments from the business account would either require ongoing verification or may not be allowed. I explained that I needed to continue paying from that account, and that if no workaround was possible, I would likely need to close the card. However, I did not request or confirm that the account should be closed at that time.

I later discovered that the account had been closed by the bank without any clear notification or final confirmation from me. When I called today to request my account statement and ask about the cash back rewards I had earnedapproximately $ XXXX was told that rewards are not paid out once an account is closed. 

This feels both unfair and potentially unlawful. I did not receive adequate notice or consent to the account closure, and the forfeiture of legitimately earned rewards seems inappropriate given the circumstances. I would appreciate a review of this issue and a resolution that honors the rewards I earned while the account was active.

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