vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Hello, I hope you are having a great day! I am writing to express my deep concern that my 1098 E understates interest paid in XXXX by approximately -91 %. It states that I paid {$970.00} during Fiscal Year XXXX. The 1098E mailed to me and corroborated by online statement shows the same interest paid over XXXX. In disbelief, I manually calculated interest payments based upon monthly payments from XXXX XXXX XXXX  website, and I calculated {$11000.00} total paid in XXXX. Federal Taxes allow for Interest Tax Deduction to reduce taxable income, and I am deeply concerned that I will be harmed by not being able to reduce taxable income by {$10000.00} due to an obviously erroneous 1098E for XXXX. 

It's my understanding that XXXX sold itself to Rocket Mortgage at the end of XXXX. I made payments to XXXX through XX/XX/XXXX. Rocket Mortgage became my servicer afterwards. 
Today is XXXX XXXX XXXX XXXXXX/XX/XXXX, and the IRS filing deadline is XX/XX/XXXX, or in 9 days Please implore the CFPB for help me to to get XXXX or Rocket Mortgage 's attention to remedy their blatant negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
XXXXXXXX XXXX  {$1300.00} They have not provided me with a 1099c although they have written off the debt although I have asked. 

XXXX  {$1100.00} They have not provided me with a 1099c although they have written off the debt although Ive asked XXXX XXXX XXXX$260.00} They have not provided me with a 1099c although they have written off the debt although Ive asked and keep reporting a each month although they have written it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
XXXX XXXX  {$1300.00} They have not provided me with a 1099c although they have written off the debt although I have asked. 

XXXX {$1100.00} They have not provided me with a 1099c although they have written off the debt although Ive asked XXXXXXXX XXXX  {$260.00} They have not provided me with a 1099c although they have written off the debt although Ive asked and keep reporting a each month although they have written it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt. 

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt

, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 2.A full itemization of the alleged debt, including principal, interest, fees, and all charges. 3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXX XXXX. Ins. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

XXXX XXXX payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within XXXX days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. 
PORTFOLIO RECOVERY ASSOCIATES XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flexible Finance, Inc.
State: NV

Complaint narrative:
I closed out my account with Flex which is a third party rent company I used to pay my rent at my current apartment complex called The XXXX in bi-weekly installments, however, my loan is still active on my credit report when Ive already paid off my balance and closed out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF A DATA BREACH AND I HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : XX/XX/year> Total fraudulent amount : {$430.00} XXXX XX/XX/year>XXXX  {$37000.00} 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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: VA

Complaint narrative:
Have gotten several request since last XX/XX/XXXX from six different companies stating they are debited collectors on account of XXXX XXXX XXXX that is. It was not our account or number. We have stated this is not or has ever been our account. XXXXXXXX XXXX  closed our account after numerous years with them due to we think a fraud /suspious complaint filed by use on the account we did have but not this number. We have asked for verification of debt with more than just a statement which is our right under the law FDCPA that states it has to include more than just a statement This can be produced easily by a scammer and information on this original correspondence didnt match to attached document sent when it returned. As well as the original creditor is not a company or one we had card with. So we have actually never gotten verification it is our debt. To which it is not our debt. We tried to get the issue with XXXX fixed but the two calls made XX/XX/XXXX and XX/XX/XXXX only had them tell use we were good paying customers and they couldnt access account. A supervisor would return our call. As of to date we never received that call or explanation of reason for closing account. We couldnt access account any longer. Never received correspondence from XXXX regarding this even after the numerous letters sent. We did after XX/XX/XXXX filing the fraud/ suspicious activity case. The next couple weeks got several emails on new cards being mailed to look for those that never came. When we called they had no response for this either. So this is not our account or has it ever been. This harassment, distress and time bullying us into paying a debt we never owed under the above law needs to stop. Since it so many companies it seems like fraud on these companies parts as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IN

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. 
Account name : XXXX Account XXXX XXXX XXXXXXXX, Account name : XXXX Account XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an AMEX giftcard and the transactions are getting declined for no valid reason. I have funds available and can see from there website that the transaction is declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have fraudulent accounts listed on my profile as collections. The negative account as well as the hard inquiries are hurting my ability to obtain new credit. Please remove the negative accounts and inquiries from my credit profile as I have been a victim of identity theift

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
For the past two weeks, I have been getting calls from the Pentagon Federal Credit Union to pay my overdraft of {$300.00} and my credit card of {$14000.00}. PENFED instructed me to go to the local branch and make payments of XXXX dollars on Overdraft and {$98.00} on credit card. I went to XXXX XXXX 's branch and was told that I could not make any payments. The teller was instructed to call the " fraud '' department. This is the most confusing situation. In addition, I did not authorize a phone transfer of my checking account. PENFED claims I did for {$3100.00} from my closed checking account. I disputed it {$1300.00} from the Checking account. PENFED refuses to assist ; the money that's in my checking account is my money, and PENFED states I can't use it for anything, such as buying land or gambling. It's not their money, I need assistance to have this cleared up and make payments on my savings and credit card as well as clearing up the unauthorized phone transfer of {$3100.00} and have PENFED investigate my {$1300.00} dispute from XXXX ( {$200.00} and {$1100.00} ). The fraud department states that PENFED is the one imposing the fraud alert and was told not to release the restriction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX, Equifax, and XXXX are reporting inaccurate information related to three accounts from XXXX XXXX : Account # XXXX Account # XXXX Account # XXXX I have no obligation to pay this company. I previously contacted the original creditor, who has provided all requested documentation proving I do not owe this debt to XXXX XXXX. I have also attached multiple statements I received from the creditor, which show inconsistent and inaccurate payment information. These inconsistencies further confirm that the information being reported to the credit bureaus is not reliable or accurate. Additionally, I sent a formal dispute letter to the credit bureaus on XXXX XXXX XXXX, which I have also attacheddated and time-stamped for your reference. It has now been over four months with no resolution. I am formally requesting the immediate deletion of these three XXXX XXXX accounts from my credit reports with all three bureaus. Continued reporting of unverifiable and inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). Please resolve this matter and confirm deletion in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to express my ongoing frustration and disappointment regarding my inability to access my free Experian credit report through www.annualcreditreport.com, despite federal law entitling me to such reports on a weekly basis. This issue has persisted for over two years and remains unresolved. 
To date, I have been forced to purchase a paid membership with Experian to obtain my credit report, which violates my rights under federal law. Although I am able to access free weekly credit reports from both XXXX and XXXX through the same platform, an " error '' on the Experian website prevents me from accessing my Experian credit report. 
Notably, my wife is able to obtain her Experian credit report through the AnnualCreditReport.com platform weekly without issue. Therefore, it appears this problem is specific to Experians systems in relation to my account. Furthermore, I suspect that Experian has cut off my access due to my disputing factual inaccuracies on my credit report. If true, this practice is not only unfair but directly contradicts federal regulations. 
I previously reported this issue to the Consumer Financial Protection Bureau ( CFPB ), and this marks my second complaint on the matter. If Experian continues to ignore my right to access my credit report, I am prepared to escalate the issue through legal channels. 
I request immediate action to restore my ability to access weekly Experian credit reports as mandated by federal law. Failure to address this matter promptly may lead to further consequences, including legal recourse. 
Thank you for your attention to this urgent matter. I look forward to your timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
COMPANY XXXX XXXX XXXX disputing a medical debt from 2019 reported on my credit by a company I dont recognize. I never received services from them and was never notified or billed. This may violate the FCRA ( 15 U.S. Code 1681 ) due to inaccurate reporting, and possibly HIPAA if my medical info was shared without consent. Im requesting a full investigation, debt validation, and removal if unverified or improperly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
COMPANY XXXX XXXX XXXX disputing a medical debt from 2019 reported on my credit by a company I dont recognize. I never received services from them and was never notified or billed. This may violate the FCRA ( 15 U.S. Code 1681 ) due to inaccurate reporting, and possibly HIPAA if my medical info was shared without consent. Im requesting a full investigation, debt validation, and removal if unverified or improperly reported.

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