vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX VIA CFPB XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investigation Request Complaint ID No. XXXX Complainant : XXXX XXXX To Whom It May Concern, Pursuant to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i, I am requesting a 409 investigation regarding XXXX reporting of late payments ( XXXXXXXX XXXX XXXXXX/XX/XXXX ). 

XXXX  has failed to provide : A complete payment ledger ; Processor/bank evidence of missed payments ; Documentation of the date of XXXX  delinquency. 

Instead, XXXX  has relied on generic responses and dashboard references, which do not meet FCRA standards of a reasonable investigation. Furthermore, XXXX  previously issued conflicting information regarding XXXX delinquency status, undermining credibility. 

I demand : A full, verifiable accounting of all payments made ; Documentary proof supporting late-payment claims ; Removal of derogatory reporting if adequate evidence can not be furnished. 

If XXXX  can not comply, the disputed late payments must be deleted from all consumer reporting agencies. 

Respectfully, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-23 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX  ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( XXXX  ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX  ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( XXXX  ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX  ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( XXXX  ) ( A ) ( B ) ( i ) XXXX XXXX  ). 
XXXX XXXX - XX/XX/year> - XXXX inquiry was not authorized. 
XXXX XXXX - XX/XX/year> - XXXX inquiry was not authorized.

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 2025-09-23 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: MI

Complaint narrative:
I am submitting disputes related to inaccurate and fraudulent accounts being reported by Equifax. These include late payment history that is inconsistent and unverifiable ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), as well as fraudulent/identity theft accounts ( XXXX XXXX XXXX XXXXXXXX XXXX ). I am also disputing an unauthorized inquiry from XXXX XX/XX/year> XXXX I have attached my FTC Identity Theft Report, dispute letters, and supporting documentation. Under FCRA 605B and 1681i, I am requesting these items be deleted or corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need to file a complaint against Wells Fargo I have an XXXX old son with XXXX  XXXX while I was on a zoom meeting I let him used he accidentally purchase some sort fake police scanner trial which i was unaware until they charged me {$39.00} I tried contacting the merchant with no success I file a claim with well Fargo which they denied stating that my son with XXXX purchase it and that they dont consider him a XXXX person who can make his own decisions and that must just be an excused on my end to avoid paying I feel offended will take the recorded call to an attorney and pursue discriminatory legal action against Wells Fargo and XXXX for XXXX practices

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 monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My account was hacked by XXXX on XX/XX/year>. I have gone to the bank XXXX  times in person, then was given a person who was personally involved. He hasnt fixed anything, on XXXX  XX/XX/XXXX I hired an attorney to help me, I contacted XXXX XXXX he never responded to my attorney to this day!! I have tried to contact PNC XXXX more times and have been hung up on all occasions!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CBC Companies, Inc.
State: CA

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 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My neighbor has a mortgage with Mr. Cooper ( Nationstar Mortgage ) at XXXX XXXX XXXX, XXXX, XXXX XXXX .. Their mortgage is in breach for multiple reasons which I have sent Mr. Cooper a certified letter that they received on XX/XX/year>. They basically sent me a letter back stating that they can not share anything because of privacy issues although I am not asking for private information. The neighbor at XXXX XXXX has erected fencing, fence posts and 30-40 pet livestock animals only 10 feet from my property line which is a direct violation of Washington township XXXX XXXX Pa XXXX They have been there for over a year now and I have manure contaminated soil because there is no vegetation left to control the rain water runoff. The rain water rushes down the neighbor 's property ( they live uphill from me ) and then runs through the manure onto my backyard. This is trespass on my property by waste which is a breach. The nuisance of the animals is another breach, I can not use or enjoy my back yard because of the smell and noises from the animals. They have turned a conforming structure into a non- conforming structure which is a violation of township rules and another breach of the mortgage. I am now concerned that my water well is contaminated from the manure, I am in the middle of having it tested. I am asking the CFPB to require that Mr. Cooper to investigate whether their borrower is in breach of the mortgage contract, take appropriate enforcement action under the loan terms to stop the illegals use and provide a proper response acknowledging that they are reviewing the issue and taking it seriously. If Mr Cooper continues to ignore my complaints they will be added to my lawsuit against my neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CBC Companies, Inc.
State: WI

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 2025-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to demand the immediate removal of unauthorized hard inquiries from my credit report. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and have directly harmed my credit standing. 

Despite previous assurances from your representative that these fraudulent inquiries would be removed, they remain on my report. This failure to correct known inaccuracies is unacceptable and continues to cause me financial and emotional distress.

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 2025-09-23 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:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Date XX/XX/year> XXXX XXXX NC Case Type : Criminal I have been back and forth with Experian. They are terrible when it comes to resolving problems. They don't call back and are good at sending form letters. This was a speeding ticket. I DID NOT report it as fraud, and a fraud alert should not have been issued. Experian told me it would not affect my credit, but I just had a XXXX transaction turned down for fraud alert. I spoke to a court clerk, and she explained that if you break the law, it is considered criminal, even a speeding ticket. The Fraud Alert needs to be removed. Then I would like to know why a XXXX XXXX XXXX speeding ticket is appearing. Isn't there a time limit?

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 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have been trying to withdraw my funds from XXXX since XX/XX/XXXX and was unsuccessful due to my account being blocked internally and have not been able to close the account due to the balance which I can't withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint is being filed because the consumer reporting agency has not fulfilled its obligations under FCRA 1681i ( a ) ( 7 ). I requested a detailed explanation of their reinvestigation process, including the furnisher 's name, the person contacted, and the documentation reviewed. The agency has failed to provide this information within the legally mandated period, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
I am filing a complaint against National Commercial Services and XXXX XXXX a XXXX regarding an invalid debt of {$150.00} that is being reported to collections. 

In XX/XX/year>, I rented a car from XXXX XXXX a XXXX. The reservation was fully prepaid using reward points, and no additional payment was required. Despite this, XXXX XXXX a XXXX attempted to bill me {$150.00}. I disputed the charge with my credit card company, XXXX XXXX. After reviewing the case, XXXX XXXX ruled in my favor and reversed the charge, confirming that I was not responsible. 

Even after this resolution, XXXX XXXX a XXXX referred the matter to collections, and National Commercial Services is now attempting to collect the same invalid debt. This action is inaccurate, misleading, and in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), as they are pursuing a debt that has already been resolved in my favor and does not legally exist. 

This false collection attempt has caused me unnecessary stress and the potential risk of damage to my credit. I request that the CFPB take immediate action to : Require National Commercial Services and XXXX XXXX XXXX XXXX to cease all collection activity on this invalid debt. 

Ensure that no derogatory information related to this debt is reported to any credit bureau. 

Confirm in writing that this matter has been closed. 

I am attaching supporting documentation, including the credit card dispute resolution letter, which shows that the charge was reversed and I am not responsible for it. 

Complainant Information Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation