vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charges filed Officer XXXX POLICE REPORT attached, FTC and ID attached for verification thank you

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 2025-06-11 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit inquiries must meet the permissible purpose requirement. These inquiries do not qualify and therefore must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I paid off my card in XXXX of XXXX. I have not used the card since. I was charged service charges last month which I paid. I noticed my acct. Was frozen and I could not use it. I called the customer service dept today and they said thar I have to send my checking acct statement to prove it is my acct. I am not comfortable with that and I asked them to close my acct. They refused and said I could not close acct until I send my bank statement. I am not comfortable with that with all the scams going on. What can I do to rectify this. It is a revii credit card with a XXXX limit. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: PA

Complaint narrative:
According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus and it's coming back as verifiable without a proper investigation. The company has failed to send me any information that I requested and has also failed to send verification of the debt, original contracts bearing my signature and an explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I had started working with Beyond Finance in XXXX of XXXX to help me with my credit card debt. Last XXXX I received a settlement offer for my XXXX personal loan for approximately {$4000.00}. When I received that, I sent it over to Beyond Finance and called about it. When I called, they said no to do anything with it and not to worry about it because they are trained to negotiate balances lower than what companies offer. A month later they negotiated an offer with another account for approximately the same amount. 

In XXXX of XXXX, they ended up coming to an agreement on my XXXX loan but at that time the account had gone to an attorney and a judgement was filed on my title. The amount that was settled on for that account was for approximately for {$9900.00}. At the time of that settlement, Beyond Finance took their fee of {$2800.00}. 

I ended up calling at the beginning of XXXX to find out why it was delayed and why the original offer wasn't accepted. When the supervisor called me back she said it was due to not having enough funds in my but when I look back at my statement it shows I had {$3800.00} in my account and it was enough to pay towards XXXX. I also addressed that they had taken out of {$5400.00} in fees and had paid over {$11000.00} and nothing had been settled. I ended up calling XXXX creditors and settled on my own for approximately {$7000.00}. 

After figuring out that I could settle on my accounts and get the same result, I ended up canceling the program. At the time, I had {$610.00} in my account. At the time of cancelation, they took an additional settlement fee of {$530.00} and refunded me {$63.00}. When I called I was told that it was because they had a resolution for XXXX XXXX which is not accurate because I settled on that myself and they had already taken out approximately {$1200.00} already. 

What Beyond Finance did was is drag out how long it was going to take to settle on these debts so they could collect more in fees. In the agreement I signed it states that they would collect fees when these XXXX things happened : a resolution is reached, the client accepts the resolution and the first payment is made to the creditor. 

If this is the case, why are they continuing to take out fees for themselves and for accounts that they already took their XXXX  % fee upfront? Why would they let an account drag out, so the settlement has to be more and put me in a position to get sued and a judgement on my title? Did they do this so that they could collect more than necessary fees? 

Did they do all this to just take advantage of me and how many people have they taken advantage of like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Midland Credit Management for what I believe to be fraudulent, inaccurate, and unverifiable reporting of XXXX collection accounts on my credit reports with XXXXXXXX XXXX XXXX XXXX. These accounts are listed under the name Midland Credit Managemen and are associated with the original creditor XXXX  XXXX, with balances of {$2600.00} ( Account # XXXX ) and {$1500.00} ( Account # XXXX ) respectively. 

These accounts were never validated or verified under federal law, despite my right to request this. Midland has failed to furnish : A signed contract or agreement bearing my signature ; Complete billing statements or itemized account history ; A valid chain of assignment or proof that Midland legally owns or has been assigned the alleged debts ; Any indication they are the bona fide owner and not merely a third-party servicer attempting to collect on a securitized or otherwise uncollectible account ; Proper compliance with Metro 2 standards required for lawful credit reporting.

Despite being a debt buyer, Midland continues to report these accounts as active collections, including past-due balances and negative payment history, which I believe to be knowingly false and materially misleading, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

They have also failed to mark these accounts as disputed under FCRA 623 ( a ) ( 3 ) in past instances, and are reporting derogatory information without sufficient investigation as required under FCRA 1681s-2 ( b ) and 1681i.

What information I am requesting : Full debt validation under FDCPA 809 ; Legal verification under FCRA 611 ( a ) ; Proof of assignment and ownership of the alleged debts ; Original creditor agreements ; Account-level documentation ; All data used to substantiate and continue furnishing the accounts to the CRAs ; All information shared with or received from the CRAs under the reinvestigation process ; Compliance with Metro 2 Format Reporting Guidelines including fields relating to account status, dates of first delinquency, payment history, and furnisher codes.

These derogatory, fraudulently reported and unverified collections are materially inaccurate, negatively impacting my credit score, access to credit, reputation, and financial standing. I have suffered concrete harm from being denied credit, facing higher interest rates, and enduring financial stress, all caused by noncompliant, unlawful reporting and collection attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6700.00}

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 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
This debt collection agency contacted me on behalf of XXXX regarding a disputed debt I do not owe. I have not received a written validation of the debt, and I do not have any agreement with this collection agency. I also did not give XXXX permission to share or sell my personal information for third-party collections.

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692g No written validation of the debt was provided.

15 U.S.C. 1692c Unlawful contact without permission or prior communication.

15 U.S.C. 1692e Misrepresentation of the debt. 

I have sent a cease and desist to XXXX and am waiting for an itemized final bill and demand this company Sequium never contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I deposited a check via mobile deposit on PNC Banks ios app on sunday XXXX. On XXXX it had posted as ledger balance but available balance was not updated. By XXXX i called customer service where XXXX told me that there was a 5 day hold as per their letter ( which I NEVER received ), but i could call the fraud department to get them to expedite it. When i called the fraud department they were extremely rude and basically said there is nothing they could do. I have confirmed that the money left the check issuers bank account 8 days ago on XXXX. In my account, the money is not there. It is now XX/XX/year> and my bank is holding my funds in limbo. There seems to be XXXX recourse for a consumer on this. 


Furthermore they said that I should be able to see what they were looking at because XXXX said the amount looked pasted in but i have been documenting with screenshots every day. The only screenshot i see on the app is of a virtual representation of the deposit slip, there is no image of the check i deposited. That would be a problem with your mobile app accepting the check anyway. I just want them to send the check back to the issuing bank at this point since clearly they dont accept american currency at pnc XXXX I also want restitution for the interest i have had to accrue without that check to pay off XXXXt loans and credit cards. I also want a penalty for pnc if possible so that they dont do this to other personal finance customers in the future if possible, but at minimum i want restitution and the money they are holding sent back to the issuing back ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-11 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: FL

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-11 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been paid {>= $1,000,000} by representatives of XXXX XXXX and his mother. They agreed to provide Research and Development funding for a large project with high profit potential. After transferring the funds to my wallet they requested renegotiation and hacked my account to block and steal the money back from me. What I need is for this to be repaired considering the account they have stolen from was in my name and listed with XXXX XXXX My life is a never ceasing investigation and I have provided other crypto fraud information in previous contacts. 

Please stop this non sense and return my money immediately. 

This was my wallet : XXXX ( to ) This was the transfer account : XXXX ( from )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/year> I, XXXX XXXX Federally protected Consumer and Natural person extended credit to US DEPT ED using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. Said debt collector has sold the debt three times to different debt collectors while simultaneously reporting from two different debt collectors at the same time. I sent US DEPT ED and XXXX  XXXX  a notice to cease and desist and a notice to validate the debt which they have failed to abide by. US DEPT ED and XXXX XXXX is now civilly and criminally liable for violating my consumer rights. US DEPT ED and XXXX  XXXX  has yet to resolve this matter.

Company response to consumer: Closed with explanation