vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
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 yo
u 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
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 yo
u 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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Issue : Unauthorized credit inquiry Company : XXXX XXXX ( Used Auto Dealer ) Date of inquiry : XX/XX/year> Credit bureau XXXX TransUnion Issue XXXX The dealership ran a hard credit inquiry without my permission, refused to honor my approved financing with XXXX, and then told me he was not selling me the car at all because he didnt want to pay XXXX  lender fee. He tried to force me to use his financing or put down more money than XXXX required. This is deceptive, unfair, and harmful to my credit. 


What happened : I already had a full approval from XXXX XXXX before I went to the dealership. XXXX approved me with a {$4700.00} down payment, and I had my APR and full loan terms already confirmed. 

When I got to the dealership, I told the dealer very clearly that I was using my XXXX approval and that I did NOT authorize any credit checks with any other lenders. I did not sign any credit application. 
The dealer ran a hard inquiry anyway without my consent. 

After that, he told me I wasnt approved by XXXX not because of my credit, but because he didnt want to pay XXXX lender fee. He admitted he wouldnt make money on the deal if he used my lender. 
He then tried to force me to put {$4000.00} more down, even though XXXX had already approved me with {$4700.00} down. 

When I refused to let him change the deal for his profit, he told me he was not selling me the car at all, specifically because he didnt want to use my XXXX approval. 

Why this is a problem : The dealership : * Ran an unauthorized hard inquiry * Lied about my approval status * Refused to honor my valid lender approval * Tried to force unnecessary extra down payment * Attempted to switch me into financing that benefited them * And finally refused to sell me the vehicle at all because they couldnt profit enough This is unfair, deceptive, and predatory conduct.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I only receive Social Security XXXX judgment, proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I paid a merchant for a website design service, and he didn't complete the website design so sent an email requesting my {$250.00} back, after a week no response from the merchant so I disputed the account with my bank and the bank gave me a temporary deposit, then about 45 days later took the money from my bank account and left my account in a negative {$240.00}. This is theft and bad Business practice by the bank. A demand my {$250.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was charged {$620.00} on XX/XX/year>, via an auto-pay transaction from the merchant XXXX XXXX XXXX I had forgotten to cancel the auto-pay before the charge was processed. Upon noticing the charge, I immediately contacted the merchant to request a refund, but they refused to issue any refund or credit. 

I then disputed the charge with my credit card issuer, Chase Bank. After their investigation, Chase determined I was responsible for the charge and declined to reverse it. I spoke with multiple representatives, including XXXX and XXXX, but was told they could not assist further. 

I also reached out to the WA state attorney generals office to seek consumer protection assistance, but they informed me they could not help with this matter. 

Given these attempts to resolve the issue directly with both the merchant and my bank, I am now seeking assistance through the CFPB to address this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian continues to report inaccurate personal information about me. They are misspelling my name, and reporting addresses on my consumer report that dont belong to me. I have made them aware of this and they continue to do it. I do not live at the incorrect addresses listed, nor do I receive mail there. This is causing me financial harm by making me susceptible to identity theft and also causing me to miss important correspondence. I have attached my current ID that shows my current address.

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 2025-11-19 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:
Experian continues to report inaccurate personal information about me. They are misspelling my name, and reporting addresses on my consumer report that dont belong to me. I have made them aware of this and they continue to do it. I do not live at the incorrect addresses listed, nor do I receive mail there. This is causing me financial harm by making me susceptible to identity theft and also causing me to miss important correspondence. I have attached my current ID that shows my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI

Complaint narrative:
see attached. You will see the XXXX I went through after Paramount held the XXXX  auction on my home. I tried to save my home, for years. I spent XXXX  of dollars trying to save my home. Yet when I was supposed to be protected by the federal government from eviction during a pandemic, I was thrown out because PRMG did not follow the moratoriums that were in place to protect us. I can't let this go without paramount having to pay for their actions. Someone has to do something to defend us and make them pay for this. Me and my children will be affected by this for the rest of our lives. To feel so helpless and have the justice system not be able to defend me all because they held the XXXX auction is wrong, unethical and somone needs to answer for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay American Airlines credit card : I was subject to an internet fraud for fake merchandise in XXXX of 2025. I reported this to Barclays that this was a fraud company online with a fake website and I never received the merchandise, with proof of the online scam. However they sent me a letter refusing my dispute claim saying they will only help with and investigate charges within the last 2 months! I called back and spoke to the customer service in XXXX Nevada who told me the charge was valid which is untrue because I never received the merchandise. A XXXX search of the company sluggers base lead me to a XXXX post of several XXXX other customers also being defrauded, but all of them had banks who refunded them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
I received a debt collection notice from Viking Client Services regarding an alleged balance related to a rental car. This debt is incorrect and not owed. 

When I returned the rental vehicle, the rental company initially claimed there was an issue. However, I submitted the required supporting documents, and the rental company confirmed in writing that the case was closed. I received an official confirmation email stating that no further action was needed. 

Despite the case being closed and despite my explanation of the facts, Viking Client Services continued to contact me and attempt to collect this incorrect debt. Neither Viking nor the rental car company has provided any documentation showing what the charges are for. No photos, invoices, or explanation were provided. 

I believe this is an attempt to collect a debt I do not owe. Viking has also not validated the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting CFPB assistance to require the companies involved to stop all collection attempts and correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This reporting is not on my credit report from Experian, but is reporting to XXXX  and XXXX. Please advise

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
I disputed an incorrect account on my credit report. The credit bureau returned a result stating : Account information disputed by consumer verified as accurate. 
This account is not accurate and the creditor did not properly investigate according to the Fair Credit Reporting Act. 

I am requesting : XXXX. Proof of verification XXXX. All documentation used to verify the account XXXX. A reinvestigation XXXX. Removal of the inaccurate information if the furnisher can not validate it The credit bureau did not provide documentation showing the verification process. They simply marked it as verified, which does not meet FCRA standards. 

Please assist with a proper investigation.

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 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo offered me an FHA loan modification that raises my interest rate to 7.25 %, extends my loan to XXXX, and increases my monthly payment instead of lowering it. FHA rules require servicers to use the FHA waterfall review and the HUD-published modification rate. I also did not receive a clear escrow analysis before my payment increased. I believe this modification is not compliant with FHA servicing requirements and am requesting a review.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GMA Investments, LLC
State: NV

Complaint narrative:
On XX/XX/year> I was contacted by the company XXXX  on behalf of XXXX to collect an alleged debt. I received a voicemail from an alleged government processor who'd been sent my information by XXXX. The processor stated on the voicemail that her name was XXXX XXXX, and she is attempting to locate me ( XXXX XXXX ) on behalf of a legal case that is pending. XXXX XXXX also stated that she'd be contacting my place of employment in order to locate me and stated that if I contacted ( XXXX ) XXXX I would possibly stop the case from being processed. After XXXX XXXX could not make contact with me, she contacted my mother and left another voicemail stating the exact same thing which is she's looking for me ( XXXX XXXX ) due to a pending legal case. I proceeded to call the number and was connected to an agent identified as XXXX XXXX, XXXX XXXX informed me that I have a legal case pending with the allegations of breach of contract, and failure to repay a loan. XXXX XXXX informed me that a legal processor of XXXX XXXX is going to begin filing a case against me, and in order to stop the case from being filed I'll need to supply full payment or setup payment arrangements. I initially agreed to the payment arrangements, but requested an arrangement confirmation email prior to setting up the payment arrangements. XXXX XXXX explained that due to legal reasons she nor the company XXXX  will be able to supply any validation documentation to me due to them not being a debt collector, they're only a legal processing company. XXXX XXXX also explained that once the alleged debt is paid in full I will receive an email stating that the debt has been paid in full. XXXX XXXX explained that if I want to validate debt I need to call XXXX, and from there XXXX will instruct me to multiple debt collectors to which my information has been sold to which would ultimately lead me back to XXXX. XXXX XXXX concluded the call saying she doesn't know if my information will still be in office tomorrow and that the processor of XXXX XXXX will likely have it to setup a court date and I'll be responsible for paying over {$1000.00} in legal fees on top of the alleged debt. After I informed XXXX XXXX I'd be concluding the call, she asked if I had a lawyer at this time and I declined. XXXX XXXX failed to notify me of my rights, nor did she state during the beginning of the call that she's a debt collector, XXXX XXXX denied being a debt collector and stated XXXX is a legal entity working on behalf of XXXX. I'd informed XXXX XXXX that I haven't been contacted by XXXX nor any additional collection agency, however, XXXX XXXX insisted that I have been contacted numerous times. During my attempts to validate the debt and company, XXXX XXXX refused and only stated she works for XXXX, which is the agency building a legal case against me.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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