vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$750.00} Account No XXXX XXXX XXXX XXXX XXXX : {$560.00} Account No XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX Balance : {$340.00} Account No XXXX XXXX  Balance : $ XXXX {$520.00} Account No XXXX XXXX XXXX XXXX Balance : {$610.00} Account No XXXX Inquiries : XXXX XXXX XXXX  XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been a XXXX XXXX XXXX card holder and user since XXXX, XXXX. Over the many years I have always paid off my card balance monthly, never carrying a balance month to month. In XXXX of XXXX my husband and I were both laid off ( worked for the same company ). Since then, we have been working to build our own company. In addition, I have been looking for work outside of our own business but have been unable to find employment. Consequently, our finances have suffered and we are now only able to make minimum payments on our cards. We have XXXX children and my husband 's parents are also our dependents so we are not able to avoid some debt. Because our balances have increased, our credit score has been impacted. 
XXXX XXXX XXXX sent a letter on XX/XX/XXXX informing that our XXXX will increase from 15.99 % to 23.49 % effective XX/XX/XXXX ( all charges dated XX/XX/XXXX and after will be charged at the higher rate ). 
I called twice to request that this rate increase please not be implemented. They refused but told me that at the point that I was unable to make my minimum payment, they would refer me to their internal customer support team who " may '' be able to help me. 
It's absurd and downright despicable to increase rates on longstanding customers simply because they've fallen on hard times. So, they increase our debt substantially but offer to " help '' when the debt burden becomes unmanageable? I'm so distraught and don't know where else to turn. 
Please help.

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 2025-05-15 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In XX/XX/year>, I noticed that Midland Credit Management was reporting a charged-off debt on my XXXX  credit report. I mailed a formal dispute via certified mail to XXXX  citing FCRA 611, requesting verification of the account. My personal information ( including outdated addresses ) had already been cleaned from my file prior to the dispute. I requested full validation of the debt, including the original signed contract, itemized statements, a
nd proof that the account was legally and accurately reporting. Midland failed to provide any documentation that substantiates the debt. This account appears to be unverifiable, and it remains on my credit report with no evidence of accuracy or ownership.

Their failure to verify the debt with original documents and match it to my updated personal information is a violation of the Fair Credit Reporting Act. I believe this account is being reported without proper substantiation, causing harm to my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX my checking account with PNC Bank was randomly put under review. I was given no notice that the account would be put under review nor has there been any suspicious activity with the account that would make putting it under review make sense. In contacting customer service I was told to visit a physical branch in my area and provide several forms of photo identification. In providing all of the information the bank said was needed PNC Bank is still unable to give a reason why the account is under review nor are they able to give a timeline of how long the account will be under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I contacted the chat at the debt collection company that purchased my account. The first person I chat with tells me I see your loan and I can pay it off for XXXX, this loan has nothing to do with me and is wrong so she apologizes and said she was looking at the wrong info. I asked to be transferred, the next person says oh i see your paypal debt, again this is not mine, they claim its the same name different email. At this point I ended the conversation because I think they are trying to attach different accounts to me and trying to get me to pay things that don't belong to me. I think this is incredibly dangerous and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CT

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 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 2025-05-15 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an email from Transworld Systems Inc. ( TSI ), a third-party debt collection agency, claiming I owed {$160.00} for two alleged toll violations on the Pennsylvania  XXXX XXXX These violations were supposedly incurred in XX/XX/XXXX by a Pennsylvania license plate matching one that had been in use on my vehicle through the end of XXXX. 

However, I moved out of Pennsylvania in XX/XX/XXXX. The referenced Pennsylvania license plate had not been in use since that time. The vehicle it was originally registered to had been re-registered in Missouri with Missouri plates, and the Pennsylvania plates were discarded. My vehicle had valid Missouri registration and plates throughout the entire time period in question and has not been in Pennsylvania since at least XXXX. There was no possible way for the alleged violations to have been incurred by my vehicle. 

I called XXXX shortly after receiving the notice to dispute the debt. I was instructed to email documentation proving the debt was invalid, which I did promptly. My email included : * Vehicle registration documents from both PA and MO, * Missouri license plate photos with time/date metadata, * Proof that the vehicle was physically located in Missouri and XXXX personally was located in Nevada during XXXX time of the alleged toll usage, * A photo confirming the PA license plate was no longer in use. 

I received no reply from XXXX acknowledging my dispute. On XX/XX/XXXX, XXXX a year XXXX received a follow-up demand letter from XXXX attempting XXXX collect the same debt. 

On XX/XX/XXXX, I sent a second email to XXXX, copying the Pennsylvania XXXX XXXX and the PA Attorney XXXX XXXX, again disputing the debt and requesting photographic proof of the alleged violation. I have received no response from any of the involved parties as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question 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 2025-05-15 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was with XXXX for my cell phone and internet. I relocated from XXXX, Florida to XXXX, Florida at the end of XX/XX/XXXX. I cancelled XXXX XXXX and took an account for cell phone only regarding the cell number I have had for years and is what my employers? family/friends are familiar with. I need to keep the XXXX number and myu phone. It took XXXX till XX/XX/XXXX to release the lock on my sim card ( account paid in full ) and Mobile will not send me a new XXXX XXXX  sim card to load to my phone, and the bill you say I owe ; I paid numerous amounts of money within the almost seven months I have been with XXXX XXXX and have not had any service, and or internet for the tower at my address. A couple of weeks ago while trying to access the line on the internet ( and speaking to representatives ) realized they did not have my XXXX listed on the account : XXXX or did they have the correct phone number told to me for the tower, or the correct access information. 
I have spent weekly phone calls and up until XXXX visited the XXXX and XXXX stores telling me all was now good. Please understand that at this time I would like all money paid to XXXX XXXX over these months returned in full IMMEDIATELY> I need to haved a working phone for all to contact me. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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/year>

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 2025-05-15 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
In Early XXXX I started a savings account at M and T upon opening they offered me a credit card. A credit card with a XXXX dollar cash back if i charged with XXXX XXXX. Ok I said! Well. I never received credit card, but it showed up on my mobile banking website. No purchases because I never received the card. I called several times never received the card. Then i went into the bank physically, and a very kind lady helped and said she would resend it. Long story short, never received it. Then! I called customer service and finally told them to cancel the card because i did not get it. And they convinced me that they would send it. And guess what it came! Finally. So i took it on a trip with me and used it. I waited fir my XXXX dollar cash back. Never got it! Now, after putting me on hold with XXXX different people they say that i didnt use the card in the first XXXX XXXX! So not eligible for the XXXX. Simply did not have the card until recently. 
I feel that this is a scam just to get people to sign up for a credit card, and purposely dont send it until past the XXXX XXXX. Not to mention the games they play on the phone.

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 2025-05-15 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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