vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am writing to urgently address a serious matter involving a loan that PNC Bank claims is associated with my name.

PNC initially stated that I had a second mortgage, then later referred to it as a HELOC loan. I am 100 % certain that I have never taken out any loan with PNC Bank. Despite this, the account continues to appear under my name and is negatively impacting me.

Years ago, I filed a police report regarding this matter and have provided PNC with a copy. While I was informed that PNC is no longer collecting on this loan, I have not received any formal documentation confirming this. The documentation I have been provided so far is conflicting and unclear as to whether this is a second mortgage, an HELOC or any other type of loan. I know Im 1000 % sure I have not taken out with PNC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
There are several student loans, credit cards, cell phone, and collections on my credit report. These are not my accounts. This has negatively affected me as I'm unable to obtain credit or housing. My husband is on XXXX, and we need to move closer to the XXXX XXXX XXXX. Please remove all accounts. I've included an Identity theft report. FTC Report Number : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
There are several student loans, credit cards, cell phone, and collections on my credit report. These are not my accounts. This has negatively affected me as I'm unable to obtain credit or housing. My husband is on XXXX, and we need to move closer to the XXXX XXXX XXXX. Please remove all accounts. I've included an Identity theft report. FTC Report Number : XXXX 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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services for {$120.00}, originally from XXXX XXXX XXXX, appearing on my XXXX, XXXX, and XXXX  credit reports. This account is reporting inaccurate, incomplete, and unverifiable information : 1 ) Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and reporting unverifiable collections violates this requirement.

2 ) Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable investigation, which requires competent evidence, not simple data matching from the furnisher.

3 ) Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be promptly deleted from the consumer 's credit file.

4 ) Credit Collection Services has failed to provide full validation of this debt, including : A signed contract or application proving I opened an account with XXXX. 
Itemized statements showing how the alleged balance of {$120.00} was calculated.

Proof of my legal obligation to pay this alleged debt.

Without proper documentation, this account is unverifiable and should be deleted from all credit bureaus.

Requested Relief : I am requesting the CFPB to investigate and require both Credit Collection Services and the credit bureaus to provide proper validation. If they can not provide full documentation within the required timeframe, I am requesting permanent deletion of this collection account from all three credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
As a victim of fraud within my own family, I have reached out to various government agencies for assistance. XXXX this has been a slow process. Many of the companies have been very helpful.LVNV funding llc. Have been unscrupulous and downright illegal with their practices. They refused to acknowledge the fraud affidavit. They continuously report to all 3 CRAs that this credit card that was open fraudulently is in default. While I realize that might be true, this is not my account. I understand they are debt buyers, however, my issue is that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I accepted Mr. Cooper 's Payment Deferral offer ( Per XX/XX/year>XXXX  letter ) by phone. Terms : defer 3 missed XXXX XXXX XXXX payments ( XXXX ) to maturity, escrow shortage XXXX repaid over 60 months ( $ XXXX ), late fees waived, new total monthly payment {$1900.00} due XX/XX/year>. 

As of today, my online account still shows past due, and on XX/XX/XXXX I received a foreclosure-style letter. This creates dual tracking concerns and risks inaccurate credit reporting. 

On XX/XX/XXXX, I sent a formal RESPA Notice of Error & Request for Information requesting written confirmation of my acceptance, portal update within 2 business days, suppression of foreclosure notices, call logs, and credit reporting details. No resolution has been provided.

I want my account updated immediately to reflect " current '' effective XX/XX/year>, with written confirmation of the deferral terms, and assure foreclosure activity and negative credit reporting will cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XXXX I need transactions for because someone robbed my account and sent my money from PayPal to cash app. I need transaction history for those dates and any money that was ever sent from my cash app at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: IN

Complaint narrative:
Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. 
If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n./I am filing this complaint against [ Creditor/Collection Agency Name ] for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act The reporting of this eviction is deceptive, as no final judgment or public record proving l legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Logged in in XX/XX/XXXX, see a message that card is in a status that can't be used. Reached out to customer service and am told that card has been closed since XX/XX/XXXX. 

I received no notice, or method or recovering this account. 
They won't provide any reason for closure. The account had been opened since XXXX and was being paid on time. 

This impacted my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am disputing the validity of a debt being reported by Caine & Weiner under account number XXXX. 

Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c and 1692g, I requested full validation of this alleged debt, including : 1. The original signed agreement 2. A complete payment history showing how the balance was calculated 3. Proof that Caine & Weiner has legal ownership or assignment of this debt To date, none of this documentation has been provided.

The continued reporting of this unverifiable account to XXXX XXXX XXXX XXXX violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires that only accurate, complete, and verifiable information be reported.

I am requesting that the CFPB require Caine & Weiner to : Immediately delete this account from all credit bureaus Cease all collection activity Provide written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing inaccurate and outdated loan information appearing on my credit report. My Capital One auto loan was paid in full, yet it is still being reported as a collection account. In addition, my personal loans with XXXX XXXX and XXXX XXXX are showing late or missed payment entries that appear to be incorrect or outdated. These inaccuracies are negatively affecting my credit score and do not reflect the current status of my accounts. I am requesting that the CFPB direct these lenders and the credit bureaus to investigate, update, and correct my credit report to accurately reflect my payment history and loan statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  {$5300.00} 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 non-monetary relief
Consumer complaint received 2025-08-10 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: PA

Complaint narrative:
As a victim of fraud within my own family, I have reached out to various government agencies for assistance. XXXX this has been a slow process. Many of the companies have been very helpful.LVNV funding llc. Have been unscrupulous and downright illegal with their practices. They refused to acknowledge the fraud affidavit. They continuously report to all 3 CRAs that this credit card that was open fraudulently is in default. While I realize that might be true, this is not my account. I understand they are debt buyers, however, my issue is that this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-10 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-08-10 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: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-08-10 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
FASA or XXXX will not respond to my emails. I was told by XXXX that they would waive XXXX XXXX off my student loan balance for misadvising me and causing me to pay over XXXXXXXX XXXX in interest feel. XXXX XXXX from XXXX and fasa ombudsman will not respond letting me know when they will waive it or give me a status and the interest is growing. XXXX told me she would be able to immediately waive the XXXX and then emailed me on XX/XX/XXXX and said it could take 10 days. The interest is occurring so it will go over the XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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