vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-04 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$XXXX} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$XXXX} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$XXXX} Credit limit {$XXXX} Highest balance {$XXXX} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Closed Payment history guide XXXX  days past due as of Aug XXXX  XXXX  days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Historical XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 2025-02-04 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: DISCOVER BANK
State: CA

Complaint narrative:
I have reached out to this company several times, yet they persist in refusing to remove any items that do not belong to me. 

This account is fraud and they must remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
In XXXX of XXXX  I applied for a credit check in order to move into XXXX XXXX apartments in the XXXX area, the fee in order to apply was {$XXXX}, which was paid at the time of applying. After I paid and applied I was denied a few weeks later and got a notification on my credit that I had a collection due. I've disputed the collections multiple times through a XXXX party app with no luck of having it removed. I have not received any written notices or emails from the agency currently in charge of collecting the debt or given a way to pay it if chose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Agencys Name and Address MIDLAND CREDIT MANAGEMENT INC Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not

wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Subject : PNC Bank for Violations of FDCPA, FCRA, and Harassment Practices Violations : 1. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : PNC Bank failed to ensure accurate reporting of my account.

2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : The excessive calls and threats of repossession violate consumer protection laws. 
3. Notification Requirements ( 12 CFR 1026 ) : PNC Bank failed to provide proper written notice before reporting the charge-off.

I am filing this complaint for the following violations : 1. FDCPA Violations : PNC Bank, through its representatives using XXXX ext. XXXX, made harassing calls to me repeatedly ( XXXX times a day ) in XX/XX/XXXX to demand payment on my auto loan, despite my account being in good standing at the time. 
They threatened repossession of my vehicle, even though the payments were not delinquent beyond the XX/XX/XXXX due date. 
2. FCRA Violations : PNC Bank inaccurately reported my account as a charge-off to credit bureaus in XX/XX/XXXX without any formal notice in writing, email, or mail. 
Despite making payments for XXXX, XXXX, and XX/XX/XXXX under duress from these threats, PNC continued reporting the account as delinquent and charged-off. 
3. Failure to Notify : PNC failed to issue written notices of delinquency or provide any communication regarding the placement of my account into charge-off status, as required by law. 
4. Misrepresentation of the Loan : I have written proof ( attached ) that the auto loan was paid in full as of XX/XX/XXXX and that all payments were made before the loan term expired. 

Attachments Provided : Proof of full payment in XX/XX/XXXX ( loan payoff letter ). 
Call records showing repeated harassment. 
Credit report showing the inaccurate charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE XXXX Unauthorized Inquiries The purpose of my letter is to dispute the following XXXX XXXX inquiries that are wrong and unauthorized. Please remove them from my Experian credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 



# XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXXXXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was charged off on the following date XXXX, 2024. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

This is the third claim that I have submitted through cfpb and you fail every time, it is totally illegal to recondition the account, every month you continue to report it as a new account in charge off, I will proceed to sue you for negligence when doing investigations, due to this account my credit does not advance because each month it is responsible for reducing XXXX points in my credit score. I don't know how or you can't see them because the history is there, you can see in each report how they recondition it and you are supporting this incorrect use in my report. every claim have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-02-04 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:
There is information in consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions tot be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted.

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 2025-02-04 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:
There is information in consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions tot be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted.

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against Transunion for violating federal laws by refusing to remove fraudulent debts from my credit report after I provided a valid XXXX XXXX letter. On XX/XX/year> and XX/XX/year>, I submitted a dispute to XXXX under the Debt Bondage Repair Act ( DBRA ) ( 15 U.S.C. 1681c-3 ) requesting the removal of debts linked to my XXXX  status. 

I provided all legally required documentation, including : A verification letter from CAST COALITION TO ABOLISH XXXX  & XXXX, a federally recognized organization. 
Proof of identity ( driver 's license, XXXX, and utility bill ). 
A copy of my credit report highlighting fraudulent accounts. 

Despite receiving my documentation, Transunion refused to remove these debts, falsely stating they could not validate my XXXX letter. This is a direct violation of multiple federal consumer protection laws.

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 2025-02-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a Victim of XXXX XXXX / Identity theft as a result of this unauthorized accounts were opened in my name with out my permission please block and delete these account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit karma is advertising is you dont get approved for a credit card you get XXXX $ per denied if its a guarantee approval and I was denied for XXXX cards based of there scoring model and was denied twice causing me to add inquiries to my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to contact Experian for several months. At some stage my SSN was separated from my credit file ( for unknown reasons ) and I have had to contact all three credit bureaus to sort this out. I was able to do this for XXXX and XXXX. Every time I contact Experian I am directed to an automated service that ultimately says it is unable to assist me. There are whole XXXX feeds on this - I have tried several workarounds ( for example contacting the business line rather than the personal credit file line ) but ultimately they always send me through to the same automated service. This has wasted so much of my time, and caused me so much stress, not to mention it has affected my rental applications as most rental agencies use Experian and can't find my credit file when they do an enquiry.

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 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXXXX/XX/XXXX Inquiry : XXXX XXXX, 2025 XXXX XX/XX/XXXX Inquiry : XXXX XXXX, 2025

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 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXXXX/XX/XXXX Inquiry : XXXX XXXX, 2025 XXXX XX/XX/XXXX Inquiry : XXXX XXXX, 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LEXISNEXIS
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to express my deep concern and confusion regarding the current status of my mortgage with Mr. Cooper. Two weeks, I was visited by individuals claiming to be investors who informed me that foreclosure proceedings are underway for my property. They further mentioned that a public notice would soon be filed and taped to my front door.

This alarming news comes as a shock, especially since I followed all instructions provided by Mr. Coopers online portal when I applied for mortgage assistance several months ago, on XX/XX/year>. I received a notification confirming that I had been approved for assistance and was instructed that no further steps were needed on my part. 

Since that approval, I have not received any updates or notifications indicating a problem or a need for further action. To now be faced with foreclosure proceedings and an unexpected {$7000.00} debt feels both unfair and disheartening. It appears either an error has occurred, or there is a miscommunication. Now I'm left thinking if this is for nefarious, unethical, unequal treatment, or my mortgage company sees an opportunity to make money selling my home, in any event this needs an urgent resolution. 

The FHA loan assistance program is designed to help families like mine during challenging times, yet it seems the process has placed me in a position of failure despite my adherence to the instructions given. I respectfully request : 1. Immediate clarification on the status of my mortgage assistance application and why foreclosure proceedings are occurring despite the approval I received.

2. A halt to foreclosure proceedings while this matter is reviewed.

3. Confirmation of my modification application and the approved terms, as communicated via Mr Cooper 's online portal, so I can remain in my home and work toward the resolution.

I have attached a screenshot from the portal reflecting the confirmation of my mortgage assistance approval. Please review this information promptly, as my familys home and security are at stake. 

I trust that Mr. Cooper will honor its commitment to fairness and ethical practices, especially when the stakes are this high. I look forward to your prompt attention to this matter and to resolving this situation swiftly. 


Loan Number : XXXX

Company response to consumer: Closed with explanation