vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute a recent credit limit decrease on my pay pal Mastercard based on inaccurate or compromised data reported by TransUnion. 

I was notified that my pay pal master card credit limit had been reduced. After contacting customer service, I was informed that this action was due to information received from XXXX, XXXX of the major credit reporting agencies. 

However, XXXX  has publicly disclosed a data breach that occurred on XX/XX/year>, which may have compromised the accuracy or integrity of consumer credit data, including mine. I believe this breach may have directly contributed to inaccurate reporting that led to the reduction in my credit limit. 

I contacted pay pal master card to explain the situation and requested a manual review or reconsideration of my credit limit, given the circumstances. Despite my request and explanation of the XXXX  breach, I was told that they are unable to manually reinstate my credit limit and that I must wait 30 days This is unfair and harmful, as : I maintain a good payment history. 
I was not given an opportunity to provide updated or corrected information. 
The action taken may have been based on compromised credit data. 
My credit utilization ratio and score are negatively impacted by the limit decrease.

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 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a Huntington BANK checking account on XX/XX/2025 from a website advertising a new member {$400.00} bonus. I completed all tasks required within 90 days and waited the 14 days for the bonus to arrive in my account to no avail. I reached out several times to the bank and they opened an investigation stating it would take 7-10 business days. Once that time had passed I reached out several more times and was told it could take 15 days. Well that time now has passed as well and they still say there is no update. This is a shame and obviously they can see I have completed all tasks required and the fact that its an on going promotion to just not give me the bonus at this point is blatant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
Please treat this as a legal dispute and preservation notice. You must reinvestigate each item, correct/delete inaccuracies, and send updated reports to prior recipients. 1681i ( a ), ( d ), 1681e ( b ).

A. Personal Identifiers Correct/Purge Keep XXXX XXXX as the sole legal name. 
Confirm XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX as current and purge unverifiable addresses/employers ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  Account ending XXXX ( Closed ; Late XXXX in XX/XX/year> ) Conflicts vs. XXXX include closure reason and other core fields. Late coding requires documentary proof.

Demanded remedy : If you can not fully reconcile and verify the closure reason, last-activity, high balance, and each late with source records, delete the tradeline ; at minimum, remove any unverified derogatory coding and correct all fields. 1681e ( b ), 1681i ( a ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account ending XXXX ( paid/closed ; {$0.00} ) You display Late 30 Days / Consumer disputes after resolution on a {$0.00}, closed account. 
That presentation is misleading absent concrete proof.

Demanded remedy : Remove derogatory/late coding and contradictory remarks or delete the tradeline. 1681e ( b ), 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a fraudulent account on my credit file. I have no knowledge, authorization, or association with this account. Its presence is false and harmful to my credit profile.

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 2025-09-04 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
The company Collections Attorney USA LLC called me saying theres a claim against me and that I can avoid going to court and paying fees if I paid the debt I owe. I explained I have no source of income at the moment only my social security benefits and we scheduled a payment arrangement so I can avoid going to court. Unfortunately I have a XXXX and I forgot about the payment arrangement and the last payment due I couldnt pay so when i attempted to call to see if I can have a little more time to pay they said I can take it up with the court and hung up on me because I didnt remember what I was paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> I initiated a transfer of {$400.00} from PNC to my external XXXX  checking account. The {$400.00} was deducted, but XXXX confirmed the funds were never received. 

I reported this error to PNC via their online chat portal in early XX/XX/year>. Under Regulation E once I notified the bank of the error PNC had XXXX business days to investigate and either a ) correct the error, or b ) provide provisional credit while the investigation continued. 

PNC failed to do either. Instead I have been bounced between multiple XXXX client relations staff. Each one has insisted that I must schedule phone calls to have this matter even looked into rather than resolving the error providing information in writing. Despite repeated written requests PNC has failed to confirm where the funds went, provide provisional credit or reverse fees. 

Because of this failure my PNC account has become highly overdrawn. Overdraft fees and negative balances directly resulted from XXXX  refusal to comply with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: IN

Complaint narrative:
XXXX. XXXX XXXX & XXXX XXXX attempting to collect this alleged debt, you are acting as a fiduciary and are bound to operate in utmost good faith. Any misrepresentation, double-dipping, or failure to disclose IRS reporting XXXX a breach of fiduciary duty and potential fraud. Continued collection efforts without full validation will be reported to the IRS, FTC, CFPB, and State Attorney General for violations of federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I created the account with the promotion code, XXXX, and haven't received the {$400.00} account bonus despite satisfying the requirements by completing XXXX direct deposit of {$1000.00}. I called XXXX times, the first time said that they will open a new case and the second time couldn't find the case. In addition, during the second call the person said that I didn't qualified for the promotion.

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 2025-09-04 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-04 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: FL

Complaint narrative:
I am extremely frustrated to see that these inaccurate accounts are still appearing on my credit report this morning. I checked like I normally do, only to find unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but it wasnt. Since these unauthorized accounts were not removed, I demand that the documents I submitted be reviewed thoroughly so I can stop stressing over this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX I visited the XXXX XXXX XXXX  branch to deposit an insurance check. I deposited it via the XXXX  XXXX in his office. I let him know that both myself and XXXX XXXX  with bank of america and asked if there will be a hold placed. He then brought in his XXXX  XXXX and she started the verification process. After everything was verified I was told that there will be no hold and that the funds will be available the next day at XXXX on XXXX XXXX. On XXXX XXXX I received a notification that the funds will be held until XXXX XXXX. On XXXX XXXX I called the XXXX number and after being on hold for over XXXX minutes. I was told the check had just been deposited on XXXX XXXX. I was told that my new release date will be XXXX XXXX. I asked why due to the funds being verified and account. The response was because we have the right to. I have contractors lined up ready to work based on the original release of funds date which is XXXX XXXX. I feel that these funds are being unjustly held by bank of america. My name is XXXX XXXX my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX  this can be used to find my account

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 2025-09-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing a collection account that has been inaccurately reported on my credit file. The furnisher has failed to provide documentation verifying ownership or showing that this account rightfully belongs to me. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation and verification of disputed information. Furthermore, 15 U.S.C. 1692e ( 6 ) of the Fair Debt Collection Practices Act prohibits debt collectors from making false or misleading representations about the legal status of a debt. Reporting this account without verification violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

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 identity 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 XXXX 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 explanation