vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Rebuttal to PenFed Final Response Subject : Rebuttal to Response from XXXX XXXX re : Hardship Assistance and Account Closure To : XXXX Cc : CFPB portal, XXXX, XXXX ( if desired ) Dear XXXX XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX, regarding my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ). 

While I appreciate your attempt to summarize the timeline, I must respectfully dispute your conclusion and several inaccuracies within your response. 
1. You acknowledged two hardship applications were submitted, yet failed to recognize : I submitted additional materials on XX/XX/XXXXXXXX  I followed up in XXXX, XXXX, XXXX, and XX/XX/XXXXXXXX  via email On XX/XX/XXXX, I received a message from XXXX XXXX XXXX confirming that my documents had been uploaded and were in queue for review 2. I sent hardship-related communications on the following dates ( with email documentation available ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These communications were sent from XXXX and clearly stated my ongoing hardship, request for deferment, and willingness to provide any additional requested documentation. 
3. Your statement that I failed to provide documentation and was unresponsive is false. My record shows the opposite, including a consistent effort to contact PenFed and complete your process.

4. I never received a final hardship decision letter or clear explanation of the alleged deficiencies in my applications. Had I been given specific requests or a checklist of missing items, I would have complied.

5. The vehicle was repossessed despite ongoing efforts to resolve the matter. The actions taken to report and charge off this debt contradict your own teams earlier acknowledgment that my documents were received but pending review.

6. I now request : A written explanation for the denial of hardship despite active communication Clarification on what documentation was allegedly missing A full copy of my loan file and internal review notes per the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) A corrected entry on my credit report if your timeline and reporting is inaccurate or misleading I am committed to resolving this matter with transparency and fairness, but I will not accept the assertion that I failed to act when I have clear, timestamped evidence to the contrary.

Sincerely, XXXXXXXX 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Requested the original contract signed contract but never received it. Went to XXXX on XX/XX/year> This was dismissed by the judge, but it remains on my credit report and is hindering me from getting a consolidation loan. As a senior citizen I have been scammed out of money by several predatory companies that have not delivered on their promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a complicated fraud claim dispute on my Bank of America credit card for over {$93000.00} in unauthorized charges due to the hack of an account tied to a merchant account. Bank of America first denied the claim on the basis that the charges were consistent with my normal spending. I explained that was the way the fraud was successfully executed, copying normal spending in the hacked account. Bank of America reopened the claim. The bank again denied the claim, now based on the excuse that the bill was sent to my address and I paid it. That is not logical. Me paying a bill is no valid basis to deny the claim. There is XXXX indication that the bank even contacted the merchant, XXXX. I have had multiple calls with bank associates. They just take information ; then I get letters summarily denying the claim based on irrelevant circumstances with no indication of investigation, no reference to any evidence, and no articulation of any rational basis. Bank of America has not managed this claim in good faith. Now I am left to pay over {$93000.00} in fraudulent charges.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My commenity bank XXXX XXXX was cloned and the account was closed. The card did not have the security chip and was copied by an unknow party. The account was closed by XXXX but subsequently bought by Midland Credit Management. They are unwilling to listen to me after several letters and calls. A judgement was placed against me that I had no knowledge of in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management is no stranger to court actions having settled a class action in XXXX- apparently using people speaking thick XXXX to make deals that never happen pushing me to a pre-legal status and more added to my credit report. This went on for 5 months. 
They are very good at straddling the law with there calling - robot called me everyday ringing twice, this was done after me speaking to the head account manager - his name is XXXX - I guess they wanted to remind me of an alleged deal! 
A Debt collector works with the debtor and lender attempting to reach an agreement= Midland is a debt Buyer! 
If a repo 'd car is bought at auction, the current value is what was Paid- it is up to the buyer to find it's true value when sold.

Midland is using the local courts to enforce a notes charge off value ( much higher than the actual loan ) to assist them in collecting on a note they paid much less for! This needs to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 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 2025-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-16 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Subject : Equifax Data Breach Dispute Demand for Immediate Deletion of Fraudulent Account Based on CFPB Action To Whom It May Concern, I am formally disputing the presence of the following account on my credit file, which I believe is the result of identity theft stemming from the Equifax data breach : Below is a list of the accounts and Inquiries I am disputing as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  exposed sensitive personal data for over XXXX XXXX Americans, including critical identifiers such as Social Security numbers and credit card information. Given the nature and suspicious origination of this account, I have reason to believe it was fraudulently opened without my authorization using compromised information from that breach. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to dispute this account and demand its immediate and permanent deletion from my credit file. 

Additionally, the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against XXXX reinforces my demand. The CFPB alleged that XXXX has failed to properly investigate disputed information and has continued to report unverifiable or inaccurate data violations that directly harm consumers, especially in cases involving identity theft from known data breaches. 

Based on the above, I am demanding the immediate deletion of the account in question. If you can not prove this account was lawfully opened with my full authorization, it must be removed in accordance with federal law. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, DPT EDXXXX : Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items od information any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, DPT EDXXXX : Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items od information any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Entry Edfinancial Services L Dear XXXX  / XXXX  / XXXX  I am writing to dispute inaccurate and misleading information being reported on my credit file regarding an account from Edfinancial Services L. The account in question contains the following details : Creditor Name : Edfinancial Services L Account Number XXXX Reported Status : 180 Days Past Due This information is factually incorrect and harmful to my credit profile. The account was closed and charged off as bad debt, and it is not currently active. It is therefore inaccurate and misleading to report the account as 180 days past due as if it is still delinquent or accruing late payments. 

Reporting an account that has been closed and charged off as continuously delinquent violates the accuracy standards of the Fair Credit Reporting Act ( FCRA ) and unfairly damages my credit standing. 

I respectfully request that your bureau conduct an immediate investigation into this matter and take the following corrective actions : XXXX. Update the status of the account to reflect that it is closed and charged off, with no ongoing delinquencies ; and 2. Remove any false notations of current past-due activity or rolling 180-day delinquency.

Enclosed are copies of supporting documents, including : A copy of my government-issued ID Proof of address ( utility bill or bank statement ) Any relevant documentation showing the accounts charge-off or closure ( if available ) Please investigate this matter within the FCRA-mandated 30-day period and provide me with a written summary of your findings and any updates made to my credit report. 

Thank you for your time and attention. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing to report an unauthorized hard inquiry on my credit report by AllyFinancial an Auto Financing Company inquiry dated XXXX with phone number ( XXXX ) XXXX which continues to appear on my XXXX, XXXX  XXXX and XXXX  files despite my formal disputes. I never applied for auto financing or granted permission for AllyFinancial to pull my credit, yet this inquiry remains and is unfairly inflating the number of hard inquiries on my report. As a direct result, I have been denied credit cards and loan products that I legitimately qualify for, and my ongoing efforts to rebuild my credit following a XXXX  identitytheft incident are being set back each time I apply for credit. All of my legitimate accounts rent, XXXX, XXXX remain open with perfect payment histories, so this unauthorized pull misrepresents my responsible credit behavior and is actively harming my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am writing to formally dispute accounts that are being reported under my name without my authorization or awareness. I have never opened or managed these accounts, and their presence on my credit report is both inaccurate and deeply concerning. 

This misreporting is completely unacceptable, as it misrepresents my financial history and undermines the integrity of my credit profile. I take my credit standing seriously, and these unauthorized accounts have caused significant stress and potential financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX 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 - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal 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 ( FTC NUMBER ) 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 2025-07-16 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: PA

Complaint narrative:
After carefully reviewing my credit report, I see that there is an account reporting that is not mine. I do not have any knowledge of this account, nor did I authorize the opening of the account. I have been informed by XXXX  that my personal information ( date of birth, phone number, email address, physical address, as well as social security number ) has been exposed in a data breach in XXXX  and since that my credit has been impacted negatively. The account that has to be removed is below : Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Frequently Opened/ Fraudulent

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