vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXX Account not mines. 

Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

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 2025-05-10 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} 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 US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Novo Platform Inc.
State: AZ

Complaint narrative:
I received an unauthorized charge from a company called XXXX for {$100.00} on XX/XX/year>. This company appears to be fraudulent it has no legitimate website, contact info, or business registration, and it is widely reported online as suspicious. I disputed the charge through my bank, Novo, who denied my dispute and claimed that the merchant provided sufficient documentation.

However, when I asked for any information about the merchant such as their contact information or the documentation they submitted Novo told me they could not provide it and that they dont have that information. This leaves me with no way to resolve the charge or cancel any possible recurring billing.

This left me with no way to cancel a potential subscription or follow up with the merchant directly. I asked to escalate the matter or speak to a supervisor, but Novo provided only a generic response stating the dispute could not be reopened.

I now have no recourse to recover the funds or prevent future charges ( aside from closing my card, which Ive already done ). I believe this situation shows a lack of transparency and consumer protection, especially since Novo is enabling a transaction from a merchant they can not even identify or contact.

Im requesting the CFPB to review this dispute and Novos handling of it, including the documentation they accepted to deny my claim, and ensure I have the ability to recover funds from what appears to be an illegitimate merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
4 years ago XX/XX/year> when I as living in XXXX, I had my wallet stolen couple month after i found out that someone tried to cash a fraud check in my Bank of America account. Ive been trying to get my account back for year now. I keep getting denied from banks because of this & when I got my report I doesnt say I owe anything so I dont understand what to do moving forward. I fixed my identify, & got everything handed with that part. I just cant seem to fix my banking part & I was not at fault

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 2025-05-10 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: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank XXXX : XXXX & XXXX Department The Tower at PNC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : XXXX XXXX for IRS XXXX XXXX and XXXX & Desist under Federal Law Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX To Whom It XXXXay Concern : I am writing under the authority of federal consumer and tax law, specifically 26 U.S. Code 6050P, 15 U.S. Code 1681 ( Fair Credit Reporting Act ), and 15 U.S. Code 1692g ( Fair Debt Collection Practices Act ) in regard to the above-referenced account.

According to my credit report, this account has been charged off by PNC Bank, with a write-off amount of {$13000.00}, and a balance of {$13000.00} still being reported as past due as of XX/XX/XXXX. If this debt has been canceled, settled, forgiven, or otherwise discharged, IRS Form 1099-C ( Cancellation of Debt ) should have been issued in compliance with 26 U.S.C. 6050P, which requires financial institutions to file and furnish this form when {$600.00} or more is forgiven.

Accordingly, I am formally requesting a copy of the 1099-C form related to this account if it has been filed. If no such form has been issued, I request a written explanation of the accounts current collection and reporting status, including whether the remaining balance is still legally collectible.

Additionally, if the debt has been charged off or otherwise canceled, I am issuing a cease and desist under 15 U.S. Code 1692c ( c ). You are directed to cease all collection efforts and to refrain from furnishing any inaccurate or misleading information regarding this account to consumer reporting agencies. Continuing to report or pursue collection on a canceled or uncollectible debt may constitute violations of both the FCRA and FDCPA, for which legal remedies are available.

Please provide a written response and send it to both : Mail : XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX I respectfully request your full response within XXXX business days. Failure to comply may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recently pulled up my XXXX XXXX XXXX XXXX  credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions being pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Name : Midland Credit Management Original Creditor : XXXX XXXX XXXX Account Number : XXXX Furthermore, you also reported inconsistent and inaccurate information in my consumer report. 

Once again, I, XXXX XXXX XXXX is giving your company, 10 days to respond to this matter. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: AZ

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
am filing this complaint because TransUnion has failed to remove two fraudulent accounts from my credit report, despite receiving full documentation proving these accounts are the result of identity theft. 

I have already : Submitted multiple disputes directly to TransUnion Mailed a complete dispute package via certified mail, including a police report, FTC Identity Theft Report, and a signed identity theft affidavit Sent a formal letter stating my intent to sue under the Fair Credit Reporting Act ( FCRA ) The following accounts were not opened or authorized by me, and I have provided clear and repeated evidence of fraud : XXXX  XXXX Account ending in XXXX XXXX Account ending in XXXX These accounts are reporting inaccurately and in violation of my rights under the FCRA, including : 15 U.S. Code 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681c-2 : Failure to block identity theft-related information upon proper notice Despite my efforts and documentation, TransUnions continued inaction has caused me direct financial and emotional harm.

I have been forced to make payments under duress on accounts that do not belong to me, out of fear that my credit and financial standing would continue to be damaged.

This is unacceptable. Their failure to act in accordance with federal law is not only a legal violationit is causing me ongoing hardship and stress. 

I am requesting that : The CFPB investigate TransUnion for noncompliance XXXX  XXXX ( XXXX ) and XXXX ( XXXX ) be immediately and permanently deleted from my credit report I receive written confirmation of deletion and an updated copy of my TransUnion credit report TransUnion be held accountable if they continue to violate my rights If TransUnion continues to ignore federal law, I fully intend to pursue legal action under 15 U.S. Code 1681n and 1681o, and will seek actual and punitive damages for the harm Ive suffered.

I am attaching all supporting documentation previously submitted to TransUnion.

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 2025-05-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security NumberXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX  XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 

Sincerely, 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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
My former employer, XXXX XXXX XXXX XXXX owed my at least two weeks pay for well over two months. I sat down with my new supervisor at the time to resolve this by resubmitting payment from payroll. I watched and helped him complete this form. Now, the local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX in XXXX, PA ) paid me a percentage of the two weeks owed out of their petty cash which is not the correct thing to do according to the accounting office in XXXX, PA. These petty cash payments, which are what is claiming to be owed in the amounts of {$720.00} and {$540.00}, were reported on this payroll form as already being paid so that I would not receive a double payment when I finally received the pay that was owed. It took several attempts to resubmit the forms in order to get paid but I finally got paid. What I was paid, in accordance with my records, was exactly what was owed minus the petty cash payments. I was not overpaid. These amounts were reported to the XXXX XXXX XXXX XXXX XXXX XXXX Now the collection agency states on their letters that the employer must provide evidence of monies owed. I reached out to my supervisor on several occasions for the forms we filled out together and for any evidence of monies owed and nothing was sent to me. I reached out to accounting in XXXX, PA and that is when they told me the use of petty cash for wages can not happen. They also told me they could not help me and that I would have to reach out to my supervisor. I told them I already did with no help. The collection agency, the first time I appealed to them, reached out to my former employer and received no evidence either just a form showing amount due. The second time I appealed to collection agency is when I received notice of wage garnishment. The agency requested I email them my written appeal and I did. No wage garnishment took place and I have received no more communications from the collection agency since XXXXXXXX XXXX XXXX when I appealed the second time. I assumed everything was resolved. The collection agency reported this debt to XXXX XXXX Credit Bureau which is seriously affecting my credit. I disputed this on XX/XX/XXXX with no resolve. This needs removed immediately or proof needs to be provided like I requested so that IF I owe I can pay. I firmly believe I DO NOT OWE. I have attached me XXXX email appeals.

Company response to consumer: Closed with explanation