vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC thank you for the invoices but my information I requested invoice are not contract this is the XXXX  time requesting this information this is my XXXX request I have a right to the information. failure to comply with my request I will file fraud case don't need your invoices just the information I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I checked my credit report and it showed a credit card in the amount of {$2300.00} from XXXX XXXX XXXX XXXX  that was applied for and approved under my name with the address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I did not apply for the card nor have I lived at that address. I have never even heard of XXXX XXXX XXXX XXXX  before today. There have also been multiple inquires on my credit which I did not approve. The card in question is now in delinquent status and my credit has been negatively affected by all of this. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive fo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
PLEASE HELP ME SOLVE MY PROBLEM WITH EXPERIAN, EQUIFSX, AND TRANSUNION. I HAVE REQUESTED FOR THEM TO REMOVE FRAUDULENT ADDRESSES THAT ARE REPORTING ON MY CREDIT FILE. PLEASE HELP ME REMOVE AND BLOCK THOSE ADDRESSES AND KEEPING ONLY MY ADDRESS. THERE ARE ACCOUNTS ON THERE THAT THEY ARE NOT WILLING TO REMOVE BECASUE THEY ARE ATTACHED TO THOSE FRAUD ADDRESSES AND THEY ARE IMPACTING ME NEGATIVELY. I AM A VICTIM OF HUMAN TRAFFICKING AND IDENTITY FRAUD. I NEED THIS TAKEN CARE OF IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
PLEASE HELP ME SOLVE MY PROBLEM WITH EXPERIAN, EQUIFSX, AND TRANSUNION. I HAVE REQUESTED FOR THEM TO REMOVE FRAUDULENT ADDRESSES THAT ARE REPORTING ON MY CREDIT FILE. PLEASE HELP ME REMOVE AND BLOCK THOSE ADDRESSES AND KEEPING ONLY MY ADDRESS. THERE ARE ACCOUNTS ON THERE THAT THEY ARE NOT WILLING TO REMOVE BECASUE THEY ARE ATTACHED TO THOSE FRAUD ADDRESSES AND THEY ARE IMPACTING ME NEGATIVELY. I AM A VICTIM OF HUMAN TRAFFICKING AND IDENTITY FRAUD. I NEED THIS TAKEN CARE OF IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
In XX/XX/year>, my student loan payment was taken from my servicer MOHELA via Autopay. I was employed by a government office for that month and have provided an approved Employer Certification Form for that month. The Dept. of Education is not giving me XXXX credit for XX/XX/year>. I have submitted a reconsideration request ( # XXXX ) to be given the credit or a refund. The fact that the servicer withdrew the payment themselves via autopay requires that I be given credit or a refund. As can be seen in my bank statement below showing that the XXXX payment was made, the payment was listed as " XXXX '' ( In banking, XXXX stands for Prearranged Payment and Deposit. It's a specific type of electronic payment transaction within the XXXX XXXX House ( XXXX ) network, primarily used for recurring payments like direct deposits and bill payments. XXXX entries are initiated by an agent with the consumer 's authorization and can be single or recurring. ) ... My XX/XX/XXXX payment was made manually online by me and it can be differentiated because it says " XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Loan started- XX/XX/year> for XXXX XX/XX/XXXX provided both solar documents XXXX  XXXX WHILE I am asking what is happening- they claim they didn't know about the solar- then just said well we knew but didn't address the issue- Run around - RUN AROUND- End Of XXXX I start yelling for a supervisor- Making calls- No return calls I have obtained- over XXXX final disclosure documents- Loan amount has changed XXXX times- Fee 's have changed XXXX times- Loan lock expired- at XXXX XXXX Refuse to provide a new loan lock- Just an email XXXX is extended at SOFI cost- NO PROOF- Day before closing fee jumps another XXXX dollars- * XXXX forgot a fee * * Just happens to be close the same Lock extension fee. Company has not provided break down of fees simply states other closing fees- Refuses to provide a document with full fees, Refuses to provide a document of lock rate extended- ( XXXX days for how much ) RAN my credit XX/XX/year> again without consent- or notification- I only know because I was required to complete a why this credit inquiry is on my file- Call the company to find out it was SOFI that ran it- Obtained XXXX credit denial- Because of an incomplete application- My credit was dinged for not only a check but a denial- Talked to XXXX NO REPONSE- just that they are looking into it- Sent a notary to sign loan docs for a loan AMOUNT - that was from XX/XX/year> not what they changed the loan amount to of $ XXXX. 
LOST over XXXX XXXX in money- as they are incompetent Finally was able to get a supervisor- ( little to no help ) after calling and demanding to have someone on the PHONE NOW- As far as I am concerned this is complete fraud- Complete incompetency-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding the failure of XXXX XXXX XXXX ( XXXX ) to address and correct numerous inaccuracies in my consumer report following a dispute submitted on XX/XX/XXXX. The dispute challenged various personal identifiers and account-related data that are outdated, unverifiable, or entirely incorrect. XXXX has failed to respond within the 30-day window required by the FCRA and has not provided any documentation verifying the accuracy of their reporting. 

The following items were included in my dispute and remain uncorrected : Inaccurate Personal Information : Incorrect Name : XXXX XXXX XXXX ( should be XXXX XXXX XXXX ) Incorrect DOB : XX/XX/XXXX Invalid Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer Entries : XXXX XXXX XXXX XXXX These items do not reflect accurate, verified, or current data as mandated under 15 U.S.C. 1681e ( b ) and XXXX XXXX standards. Despite requesting that XXXX provide evidence validating this data, no proof was provided, nor were these items removed. 

Failure to Investigate and Verify : Per my dispute, I cited XXXX ' obligations under : 15 U.S.C. 1681i ( a ) ( 1 ) duty to investigate disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable information 15 U.S.C. 1681e ( b ) duty to maintain maximum possible accuracy XXXX XXXX XXXX XXXX XXXX industry standard formatting and reporting requirements XXXX failed to adhere to these responsibilities, putting my credit standing and privacy at risk. Their continued reporting of this incorrect and outdated data constitutes a willful violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Subject : Debt Validation Request under 15 U.S. Code 1692g and Dispute under 15 U.S. Code 1681i To Whom It May Concern : I am writing in response to a collection account reported on my credit report by Midland Credit Management ( MCM ), listed as : Account Name : MIDLAND CREDIT MANAG Reported Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported on : XX/XX/XXXX This letter is a formal request for debt validation and dispute of inaccurate information under my rights as outlined in : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Under FDCPA 15 U.S.C. 1692g ( b ), I request : Validation of the debt, including : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A full payment history and accounting of how the amount of {$1000.00} was calculated Verification that your company is licensed to collect in my state ( include your state here ). 
Proof of chain of custody or assignment from the original creditor to Midland Credit Management. 
Under FCRA 15 U.S.C. 1681i, I am disputing the following reporting inaccuracies : Account is marked Open but listed as a Collection Account, which is contradictory.

The Original Creditor is not disclosed, violating 15 U.S.C. 1681g ( a ) ( 2 ).

The Account Type and Closure Date are missing or listed as No Info.

There is no date of first delinquency, which is required for determining the 7-year reporting period ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Until you respond with proper documentation and validation, you must cease collection activity on this account as required by FDCPA. Furthermore, if this account can not be verified, it must be deleted from all consumer credit reporting agencies to which it has been furnished. 

Please respond within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On XX/XX/XXXX I applied a Barclay XXXX XXXX AAdvantage Aviator XXXX XXXX XXXX XXXX. I received a response that my application was under review. I called the reconsideration line at Barclay Bank. I was told my application was slated for approval but they needed to transfer me to customer security. I spoke with customer security and was told I needed to send in a copy of my driver 's license both sides, a bank statement, and my social security card. On XX/XX/XXXX I faxed a copy of a bank statement, my driver 's license both sides, and my social security card. I waited until XX/XX/XXXX to call and was transferred to customer security. I was told all of the documents were acceptable except my social security card because they could not see the seal. I was born in XXXX and my card is from that era. It would a red flag if the seal the clear as the day it was printed. Barclay refuses to recognize a valid government identification card. I was then falsely told I could fax in my Department of Defense ID card to take the place of my social security card. I found out in a phone call right after that the Department of Defense ID was not acceptable to send in. I have sent in my social security again for a second time and I was told I have to 7 to 10 business days for the application to process. The hypocrisy of this is I currently have a Barclay Bank credit card since XXXX. Barclay Bank does not ask for pictures of my ID when I send in payments and they take my money. I asked to be transferred from customer security to customer service and Barclay Bank acknowledges me as who I am with my current open account. Barclay Bank is acting in bad faith in their process when I have clearly proven my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Subject : Dispute of Unauthorized/Incorrect Credit Card Charge and Fraud To whom it may concern : I am writing to dispute a charge of {$4300.00} to my credit card account. I am disputing this account in its entirety because I did not authorize this account. I have no recollection or knowledge of this account. 

I request that this account be removed from my credit bureau immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information reported on my credit report, which I believe is negatively affecting my credit standing. I have already contacted the credit bureaus and the creditor involved but have not received a satisfactory resolution. Therefore, I am requesting the CFPB to assist with investigating and resolving this issue. 

Account in Dispute : Creditor Name : LVNV FUNDING LLC Amount : {$950.00} Type of Account : Credit Card Reported By : XXXX XXXX XXXX Reason for Dispute : The credit card account listed above is being inaccurately reported on my credit file. This inaccurate reporting is causing harm to my credit score and does not reflect my true creditworthiness.

Company response to consumer: Closed with explanation