vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
This complaint concerns the ongoing publication of inaccurate, outdated, and unverifiable personal information across all three major credit bureaus XXXX XXXX, and Equifax. Despite repeated efforts to have this information corrected or removed, it continues to appear on my credit files without justification or valid association with my current residence or identity. 

Equifax, XXXX, and XXXX  are all reporting an outdated and invalid address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This address has no connection to my current living situation and should not appear on any of my reports. XXXX  is also reporting XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX is separately reporting the slightly altered and equally inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . These records are not only inconsistent they are completely irrelevant to my current identity and have not been associated with any recent, verifiable application, correspondence, or account. These erroneous entries are likely the result of outdated furnishing by third-party data brokers or the residual effects of a data breach that improperly linked my personal identifying information to addresses I have never lived at, authorized, or used for any financial activity. This is not identity theft this is the result of flawed data management and reporting practices that fail to meet the standards of accuracy required under federal law.

The Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), mandates that consumer reporting agencies maintain information with the maximum possible accuracy. Continuing to report incorrect addresses that do not belong to me is a clear violation of that legal obligation. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute such information and to expect a thorough, timely, and evidence-based reinvestigation. To date, no bureau has provided any documentation or verification tying me to these addresses or substantiating their continued publication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I am submitting a complaint concerning the conduct of Charles Schwab Bank and its representative, XXXX XXXX XXXX, of the XXXX XXXX Department. My Schwab account was closed, and a total of {$9100.00} has been withheld since XX/XX/2025, despite my full cooperation in submitting all requested documents. 

XXXX XXXX left XXXX voicemails but has failed to follow up, return calls, or send written correspondence. I have made repeated efforts to reach her by phone, accounting for time zone differences, but have received no response. 

I am alleging violations of : Federal banking standards for timely resolution of account disputes and fraud investigations. 

Negligence in communication and record-handling, creating unnecessary harm to the consumer. 

Failure to comply with internal timelines or provide written status updates within a reasonable timeframe. 


I respectfully request a formal investigation into Charles Schwab Bank 's handling of this matter. I am ready to submit supporting documents, including proof of contact attempts and faxed submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
My recent credit report contains inaccurate and unauthorized accounts that I did not open. I have never interacted with these companies, and these accounts do not reflect my true financial activity.

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 2025-06-26 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: CA

Complaint narrative:
I'm reaching out to formally dispute an account listed on my credit report that is completely unfamiliar to me and not mine in any way. I do not recognize this account, I have never opened or used it, and I have never had any relationship with the creditor listed. Simply put : this account is unknown to me and is clearly a case of mixed or incorrect data being attached to my credit file. 

This is a serious issue, and I am demanding that this matter be addressed immediately and thoroughly. I work hard to maintain and protect my credit, and I will not allow inaccurate, misreported, or misattributed information to tarnish my record.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Repeated Transaction Resequencing and Misapplication of Deposits Resulting in Unfair Fees Dear Consumer Financial Protection Bureau, I am filing a formal complaint against PNC Bank due to repeated and concerning transaction practices that have resulted in unfair return fees and financial harm. 

On Monday, XX/XX/25 PNC Bank resequenced my transactions, which led to a returned item when I immediately ( XX/XX/25 ) deposited cash into the account to cover the overdraft and bring the balance current. However, PNC did not apply the cash deposit properly or in time, and instead returned the payment that should have been covered. 

Additionally, Id like to note that my debit card was locked at the time of another transaction, yet PNC Bank still allowed a payment to be processed using that card. This is causing an overdraft and also will have the payment returned again. This raises serious concerns about the integrity of their card security system. 

If a card is locked, no transactions should be authorized. Allowing a charge to go through on a locked card contradicts the purpose of the security feature and misleads consumers into thinking their accounts are protected when they are not. 

This further contributes to the financial damage and loss of trust Ive experienced with PNC Bank, and it must be investigated as part of this complaint. 


This is not the first time PNC Bank has done this. I have noticed a pattern of resequencing transactions to process higher charges first, even when smaller transactions occurred earlier. This practice causes multiple overdraft or return fees and seems designed to maximize fee revenue rather than reflect accurate transaction timing. 

This behavior is deceptive and predatory. Resequencing transactions to create artificial overdrafts and misapplying deposits is not just bad businessits abusive. 

I am requesting that this issue be formally investigated, and that PNC Bank be held accountable for these unfair practices. I am also seeking a refund of the fees caused by their actions. 

Please confirm receipt of this complaint. I am happy to provide documentation, including screenshots and statements, upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-26 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: MO

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 2025-06-26 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: FL

Complaint narrative:
I opened a XXXX XXXX account which was later compromisedmy credit card was stolen or cloned and used to make unauthorized purchases. I reported the fraud and submitted a police report and FTC Identity Theft Affidavit. I attempted to resolve the issue with all three credit reporting agencies ( Experian, Equifax, and TransUnion ), but each has failed to process the dispute properly or provide a functional means to resolve the matter. 

Experian acknowledged the dispute but rejected it citing minor issues with the police report. I corrected the issue and re-uploaded documents, but was not provided further acknowledgment, while no fax they have an online uploading portal. Equifax blocks me from uploading any supporting documents if a dispute is already open, preventing correction or escalation and has shut down fax option. TransUnion has shut down its fax service, has not acknowledged the certified mail dispute I sent, and their online system has been broken for weeksreturning error messages and not allowing login or uploads. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 605B, which requires the CRAs to block identity theft-related information within 4 business days of receiving a valid report and affidavit. I have complied with all required steps, yet the account remains on my reports and continues to harm my credit and cause financial stress. 

Im asking for CFPB intervention to compel the CRAs to accept and process my documentation, block the fraudulent activity under FCRA 605B, and confirm removal in writing.

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 2025-06-26 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: FL

Complaint narrative:
I opened a XXXX XXXX account which was later compromisedmy credit card was stolen or cloned and used to make unauthorized purchases. I reported the fraud and submitted a police report and FTC Identity Theft Affidavit. I attempted to resolve the issue with all three credit reporting agencies ( Experian, Equifax, and TransUnion ), but each has failed to process the dispute properly or provide a functional means to resolve the matter. 

Experian acknowledged the dispute but rejected it citing minor issues with the police report. I corrected the issue and re-uploaded documents, but was not provided further acknowledgment, while no fax they have an online uploading portal. Equifax blocks me from uploading any supporting documents if a dispute is already open, preventing correction or escalation and has shut down fax option. TransUnion has shut down its fax service, has not acknowledged the certified mail dispute I sent, and their online system has been broken for weeksreturning error messages and not allowing login or uploads. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 605B, which requires the CRAs to block identity theft-related information within 4 business days of receiving a valid report and affidavit. I have complied with all required steps, yet the account remains on my reports and continues to harm my credit and cause financial stress. 

Im asking for CFPB intervention to compel the CRAs to accept and process my documentation, block the fraudulent activity under FCRA 605B, and confirm removal in writing.

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 2025-06-26 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trXXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Im writing to bring your immediate attention to multiple inaccurate and misleading entries currently being reported on my credit file. After reviewing my credit report, Ive found information that is either completely incorrect, outdated, or misattributed and I am demanding a full investigation and prompt correction.

Let me be clear : this isnt a vague dispute or a misunderstanding. The errors Im referring to are specific, harmful, and legally unacceptable. These inaccuracies are actively damaging my credit reputation and interfering with my ability to secure fair access to financial products something Ive worked hard to maintain and protect.

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 2025-06-26 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: NY

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX & XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-06-26 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX INQUIRIES : US DEPARTMENT OF EDU Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX US DEPARTMENT OF EDU Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: I.C. System, Inc.
State: GA

Complaint narrative:
Credit report showing account that is not mine. Please see below FTC report and remove from credit report immediately.

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