vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have disputed the Midland Credit Management account on my credit report multiple times because it contains inaccurate and unverifiable information. Despite three disputes, the account has only been marked as updated, but no meaningful changes have been made, and no documentation has been provided.

In my disputes, I specifically requested : A signed contract or agreement creating the obligation Proof of legal assignment or ownership ( chain of title ) An itemized breakdown of the reported balance ( principal, interest, fees ) The method of verification used in the reinvestigation, as required under FCRA 1681i ( a ) ( 7 ) Midland and the credit bureau have failed to provide any of these items. The account continues to report the same inaccurate data, without verification or supporting evidence, despite these formal requests. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the Consumer Financial Protection Bureau assist in having this account deleted from my credit report due to its unverifiable and inaccurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I am emailing to let you know if my situation. I took out XXXX XXXX through XXXX  while I was attending XXXX XXXX XXXX. I wasnt making payments at the time due to being in a financial situation, soon after my XXXX XXXX were sold to another company without my permission. They gave my personal information such as my birthday, social security, home address, phone number and more personal information. This is against the law and against my rights as a citizen of the United States, I feel unsafe. I am on the student loans forgiveness plan which I am paying now since XXXX. Im beyond upset because Im a XXXX XXXX not getting any support financially and expected to pay loans with barely any money to feed my son. I understand its my responsibility to pay the loans and repay them back so another XXXX  can have money to borrow for a higher education. My problem is that in XXXX I was not contacted regarding my student loans. It was just reported by XXXX administration that I havent paid any of my XXXX XXXX instead of given the opportunity to get contacted to pay them back. My information was sold to another company without my permission. This is ruining my credit. At the end of the year I intend on buying a house. I can not do that because its reported on my credit that I missed a payment on my student loans. I spoke to someone regarding this situation and they fixed it in XXXX for me about XXXX reporting my late student loans. Someone went in to my account XXXX  days later and marked it late even though I was put on a payment plan in XXXX. Now Im to the point where Im trying to get ahead to better my XXXX  life but how can I when shady things like this is happening behind the scene of institutions and the government. I feel like I shouldnt have to pay the XXXX XXXX now that my information was sold without my permission. This violates my rights as a XXXX  and citizen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I am emailing to let you know if my situation. I took out XXXX XXXX through cornerstone while I was attending XXXX XXXX XXXX. I wasnt making payments at the time due to being in a financial situation, soon after my XXXX XXXX were sold to another company without my permission. They gave my personal information such as my birthday, social security, home address, phone number and more personal information. This is against the law and against my rights as a citizen of the United States, I feel unsafe. I am on the XXXX XXXX forgiveness plan which I am paying now since XXXX. Im beyond upset because Im a XXXX XXXX not getting any support financially and expected to pay loans with barely any money to feed my XXXX. I understand its my responsibility to pay the loans and repay them back so another XXXX  can have money to borrow for a XXXX XXXX. My problem is that in XXXX I was not contacted regarding my XXXX XXXX. It was just reported by XXXX administration that I havent paid any of my XXXX XXXX instead of given the opportunity to get contacted to pay them back. My information was sold to another company without my permission. This is ruining my credit. At the end of the year I intend on buying a house. I can not do that because its reported on my credit that I missed a payment on my XXXX XXXX. I spoke to someone regarding this situation and they fixed it in XXXX for me about XXXX reporting my late XXXX XXXX. Someone went in to my account XXXX  days later and marked it late even though I was put on a payment plan in XXXX. Now Im to the point where Im trying to get ahead to better my XXXX  life but how can I when shady things like this is happening behind the scene of institutions and the government. I feel like I shouldnt have to pay the student loans now that my information was sold without my permission. This violates my rights as a XXXX  and citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I am emailing to let you know if my situation. I took out XXXX XXXX through XXXX  while I was attending XXXX XXXX XXXX. I wasnt making payments at the time due to being in a financial situation, soon after my student loans were sold to another company without my permission. They gave my personal information such as my birthday, social security, home address, phone number and more personal information. This is against the law and against my rights as a citizen of the United States, I feel unsafe. I am on the XXXX XXXX forgiveness plan which I am paying now since XXXX. Im beyond upset because Im a XXXX XXXX not getting any support financially and expected to pay loans with barely any money to feed my son. I understand its my responsibility to pay the loans and repay them back so another XXXX  can have money to borrow for a higher education. My problem is that in XXXX I was not contacted regarding my XXXX XXXX. It was just reported by XXXX administration that I havent paid any of my XXXX XXXX instead of given the opportunity to get contacted to pay them back. My information was sold to another company without my permission. This is ruining my credit. At the end of the year I intend on buying a house. I can not do that because its reported on my credit that I missed a payment on my XXXX XXXX. I spoke to someone regarding this situation and they fixed it in XXXX for me about XXXX reporting my late XXXX XXXX. Someone went in to my account 2 days later and marked it late even though I was put on a payment plan in XXXX. Now Im to the point where Im trying to get ahead to better my sons life but how can I when shady things like this is happening behind the scene of institutions and the government. I feel like I shouldnt have to pay the student loans now that my information was sold without my permission. This violates my rights as a XXXX  and citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Exeter Finance repossessed my vehicle without providing a legally required Notice of Default and Right to Cure under Missouri law. After repossession, they sold the vehicle and later reported the account as " charged off '' and " {$6700.00} written off '' with a {$0.00} balance to the credit bureaus. 

I submitted a written request by certified mail on XX/XX/year>, asking Exeter Finance to provide documentation supporting the repossession and the credit reporting including the original loan contract, a Notice of Default, a post-sale accounting of proceeds from the vehicle sale, and confirmation of whether the debt was canceled or forgiven.

To date, Exeter Finance has not re
sponded or provided any of the requested documentation. Additionally, they have not issued a Form 1099-C for the alleged written-off amount of {$6700.00}, which may violate IRS Code 6050P if the debt was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My computer froze up on XX/XX/XXXX with a message saying to call XXXX. I called the number and was told someone had hacked my computer and PNC bank account. They supposedly put me in contact with the PNC fraud department. On the morning of XX/XX/XXXX the fraudulent fraud department convinced me to write a Cashier 's check from my savings account for {$75000.00}, which they claimed would help them catch the hackers ( who were trying to take $ XXXX to use on a betting site ) and that they would redeposit the funds in a few days. I realized it was fraud a few hours later when I found out that XXXX never directly contacts anyone. 
I immediately contacted PNC bank to ask them to stop payment. While the person at my local bank tried to be helpful, she and I got the run around from the actual PNC Fraud Department and others in the bank hierarchy. They delayed doing anything for days, ultimately allowing the check to go through. I did do a police report and contacted the Illinois Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXXXXXX sent the monthly bill to the wrong email address. They credited my account all the late fees and I immediately PAID OFF THE CREDIT CARD. It was clearly their error that the monthly statements were late and not paid on time because of their mistake. I asked them to fix the late/no payment on my credit report, but they have not fixed the report. 
I had a near perfect credit score in the XXXX 's. Since then, it has fallen to the 600 's. 
I would not ruin my credit score over a bill for {$94.00}. I would like XXXX XXXX to fix the not late/unpaid. 
I look forward to them resolving this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
Mariner Finance was served with a Notice of intention to a Dept Collector under 15 U.S. Code 1692c ( c ) / Cease and Desist Communication under 15 U.S. Code 1692c ( c ) and 1692a ( 2 ). via certified mail ( see attached ). After receiving said notice, Mariner Finance continues to communicate with me through XXXX, XXXX XXXX XXXX. They have refused to comply with U.S. law ( s ) in this matter. Not only have they violated U.S. law ( s ), I myself feel violated by this company and their practices. At this time, before legal actions must be taken, I am requesting that Mariner Finance Cease and Desist communication with me through all three credit bureaus ( XXXX XXXX XXXX XXXX ) and that Mariner Finance request that their communication with me on all three credit bureaus listed above be removed. 

I have attached : ( XXXX ) The Cease and Desist ( Before notary and signature ) ( XXXX ) The certified mail receipt ( XXXX ) Balance increase on credit report ( XXXX ) Last report date of XX/XX/XXXX on Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I discovered multiple hard inquiries on my credit reports from XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  that I did not authorize. I did not apply for credit with any of these companies, nor did I initiate contact or consent to them accessing my credit file. 

XXXX XXXX XXXX pulled my credit several times, including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  XXXX made a hard inquiry on XX/XX/XXXX. XXXX XXXX inquired on XX/XX/XXXX, and XXXX pulled my credit on XX/XX/XXXX. I became aware of these inquiries while reviewing my credit report on or around XX/XX/XXXX. 

These inquiries were not the result of any applications I submitted. I believe my information may have been used fraudulently or in error. I have not opened any accounts with these companies and am requesting an investigation and removal of the inquiries from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I discovered multiple hard inquiries on my credit reports from XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  that I did not authorize. I did not apply for credit with any of these companies, nor did I initiate contact or consent to them accessing my credit file. 

XXXX XXXX XXXX pulled my credit several times, including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  XXXX made a hard inquiry on XX/XX/XXXX. XXXX XXXX inquired on XX/XX/XXXX, and XXXX pulled my credit on XX/XX/XXXX. I became aware of these inquiries while reviewing my credit report on or around XX/XX/XXXX. 

These inquiries were not the result of any applications I submitted. I believe my information may have been used fraudulently or in error. I have not opened any accounts with these companies and am requesting an investigation and removal of the inquiries from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Complaint is that Capital One used deceptive practices on their XXXX XXXX credit card promotion offering {$200.00} reward if charges on the new card in the first XXXX  days from card open equal at least {$500.00}. Wanting to confirm I had earn the reward by making sufficient charges to earn such promo reward, I called Capital One on XX/XX/XXXX to inquire on the amount of my charges. I was informed my card did not have such a promotional offer. I spoke with Al a sr. account supervisor who provided this information. He indicated that during the application process Capital One switched me to another XXXX card that did not have such a promotion. I was unaware of this switch and that his ( Als ) information was the first time I became aware my card did not have the incentive promotion which was the only reason I applied for the card in the first place. He did confirm I had over {$500.00} in charges in the first XXXX  days of card opening ( ending XX/XX/year> ). I would like you to see if there is any way I can receive the promotion reward that was advertised and offered. Capital One methods appear to be a bait and switch ploy to gain new customers. I can provide card number, XXXX or other info if needed. Thank you.

Company response to consumer: Closed with explanation