vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC acquired the loan around XX/XX/XXXX. I initially had issue with PNC Mortgage ever since they acquired my the mortgage loan. First no agents were able to help/understand the issue due to the transfer of the loan. They kept asking for other information that was not related to the matter. After multiple attempts of trying to get in contact with a mortgage agent. I decided to go in the branch around XX/XX/XXXX. The conversation I had with the branch member was of no surprise to me. I expressed the issue I was having of not getting assistance nor getting in contact with someone to help with my mortgage situation and the response of the PNC agent was " yes, other members including family members stated that PNC Mortgage is the worst they have even dealt with ''. When I finally got in contact with someone, the agent on the phone assisted with forbearance process. They charged inspection fee even after I have spoken t, held my payout of escrow, and still questioned why I couldn't pay my bills. 
After that period was over, around XX/XX/XXXX the cost of HOA fees and property taxes increased ( about 100 % + ) drastically. From the time I acquired the original loan my monthly home fees/payments/bills were {$1800.00} and it has increased to XXXX XXXXXXXX+ ). Now I am continuing to have a hard time paying any of my bills ( HOA, insurance, property taxes, interest and principal ). At this point, I contacted PNC for other options to help with the financial hardship. I submitted an application in XXXX XXXX. And this entire process was delayed due to not getting in contact with the agent working on the case/file. Now, I am at least paying what I can afford. It appears that they are charging me late fees for advance payment of property taxes due to their projected assessment/evaluation. 
I am in need of a solution and bringing a complaint about the way PNC is unfairly handling my mortgage and they keep charging additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MOHELA
State: NJ

Complaint narrative:
I had XXXX student loans thru Mohela, I had the first XXXX on Auto pay. They switched websites sometime in late XXXX. I dint not receive any notifications. Then XXXX loans came up for first payments in XX/XX/year>, I didn't know this. They went into default XXXX  months later. The only way I knew this was I received an alert from my credit card company. Once I got the alert I contacted Mohela website and found out they had a new website. I had to go thru and create new log ins so on and once authorized thru the new site I went ahead and paid off all XXXX loans in full. I called them and asked them to issue a recall on the bad credit due to there error in informing me. They refused and said tuff luck. This is not fair what they did and now my credit score is awful. I am XXXX XXXX XXXX and with bad credit over something that could of been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing in response to a call received on XX/XX/year>XXXX  regarding an alleged debt that you claim I owe. I do not acknowledge any debt to your company, and I am requesting that you provide proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. The name and address of the original creditor ; 2. The original amount of the alleged debt ; 3. An itemized breakdown of the current balance, including interest, fees, payments, and other charges ; 4. Copies of any documents showing that I agreed to assume this debt ; 5. A copy of the judgment ( if applicable ) ; 6. Proof that you are legally authorized to collect this debt in my state.

Until this debt has been validated, please cease all collection activities, including reporting this information to credit bureaus, as continued collection without validation is a violation of the FDCPA. 
This is a formal request, and I expect your response within 30 days as mandated by federal law. Please note that I am keeping records of all correspondence regarding this matter for my records and potential legal purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I submitted a written request for validation of the alleged debt. In response, the company failed to provide legally sufficient documentation such as a signed agreement bearing my name, a full itemization of charges, or evidence establishing a valid chain of assignment.

As required by federal law, a debt must be verifiably validated before any further collection activity or credit reporting may occur. Per 15 U.S.C. 1692g ( b ), the debt must be verified if disputed in writing within 30 days. Despite this, the company continues to report inaccurate, unverified information to the consumer reporting agencies in violation of both the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

This account has potential to cause material harm to my credit profile without legal substantiation. I am formally requesting that this account be removed or blocked from my credit report until verifiable validation and accurate documentation are provided by the data furnisher.

I am not acknowledging liability or ownership of this alleged debt. I am requesting deletion solely due to lack of full legal substantiation and reporting inconsistencies under FCRA 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am writing to address a significant discrepancy concerning my student loan account managed by MOHELA. From XXXX to XX/XX/year>, in just 2 months, approximately {$42000.00} in unexplained interest have been added to my loan balance without prior notification or justification. Despite repeated inquiries, I have received inconsistent explanations from representatives regarding the erroneous interest accrual. While MOHELA has acknowledged the mistake and assured correction, no resolution has been provided to date, even after almost two months of follow-up.

This issue appears systemic, as I have connected with other borrowers reporting similar inaccuracies in unjustified interest charges. The prolonged delay in resolving this error has adversely impacted my credit score and caused considerable emotional distress. Furthermore, the lack of transparency and conflicting responses during each communication have eroded my confidence in MOHELAs ability to rectify the situation promptly. Representatives continue to defer resolution without providing a clear timeline or actionable steps, leaving me in a state of uncertainty as I prepare to commence repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or consent. Under 15 U.S.C. 1681c-2, I submitted a written request to [ ALL 3 Bureau ] to block and delete these fraudulent items from my credit report.I clearly stated that no police report is required under federal law and demanded the removal of the fraudulent items within the 4 business days required by law. As of this submission, [ ALL 3 Bureau ] has failed to comply. I am requesting the CFPB to investigate and ensure the bureau follows the FCRA statute, blocking and deleting the fraudulent accounts immediately. Please delete the following accounts, XXXX XXXX $ ACCOUNT # * XXXX, XXXX XXXX bank XXXX $ account # * XXXX Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX 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 and XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX USBK COURT EASTERN NORTH CAROLINA. XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX Identity Theft Report Proof of identity

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have been in dispute with XXXX over an unpaid balance for several months. Despite numerous attempts to provide evidence and explain the situation, XXXX continues to reject my claim, claiming that I did not provide sufficient evidence to support my dispute claim. I have consistently responded to their emails and provided all the necessary information, but I keep receiving the same response every time I try to dispute the matter. It appears that my case is not being properly reviewed or evaluated, and I am seeking assistance from the CFPB to resolve this issue. 

Charge Amount : {$79.00} Date of Charge : XX/XX/24 XXXX XXXX  Case : Unresolved Credit Card Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
PayPal has opened up the following under my name : 1 ) Paypal Synchrony Mastercard 2 ) PayPal Credit I have repeatedly asked them to get these items off of my report as they were opened fraudulently, I never authorized 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 2025-05-24 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 items. 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. 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, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
On XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX does not belong to me. Im not the main holder and the main holder was told it will not be on my credit report when it appear the main holder remove it my name right away. XXXX Removed the information from XXXX  XXXX  but not in XXXX  and I want this information removed. I did. It authorize to be add they did not speak to me. The history or payments and years do not belong to me. I did not authorize verbally or sign anything for this company to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX I request amount the car was sold for in writing because the amount on my credit bureau shows more than the original loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate accounts that are currently being reported on my credit report by Equifax, and These accounts are causing significant harm to me and my family. We are being denied access to essential credit needed for transportation and stable housing. 
These accounts have been disputed multiple times, yet they remain on my credit report without adequate investigation or resolution. I am unsure if these accounts are the result of fraud or just inaccurate reporting. 
Despite following the proper dispute procedures, the information continues to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This ongoing reporting of inaccurate information is directly impacting my ability to move forward in life and provide for my family. 
I am requesting that the CFPB investigate this matter and ensure that the consumer reporting agencies fulfill their legal obligations to verify the accuracy of the information they report and remove unverifiable or incorrect data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am extremely concerned and frustrated to see accounts on my credit report that I never authorized or opened. My personal information is being used to commit fraud, and this is unfairly damaging my credit history. 

I demand the immediate blocking of these accounts and an urgent investigation into this matter. I will not accept that my name continues to be affected due to errors or a lack of proper identity verification. 

I expect a prompt response and resolution. 

The accounts number is : XXXX XXXXXXXX, Opened on XX/XX/year>, balance {$1.00}

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 2025-05-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report fromXXXX XXXX XXXX, dated XXXX. This inquiry was conducted without my full knowledge or consent. I spoke with the dealership with the intention of purchasing a vehicle with cash, but I was misled into a financing process I did not agree to. 

The dealership : - Misrepresented the sale price of the vehicle - Added unwanted features and charges- Falsely claimed that a warranty was only available through financing - Never delivered what was promised in writing or verbally As a result, I am requesting the immediate removal of this unauthorized inquiry from my credit report. 

Please investigate this matter and confirm removal in writing.

Company response to consumer: Closed with explanation