vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
I am filing this complaint because there are inaccurate, incomplete, or unverifiable accounts listed on my credit report that are damaging my credit profile. I previously disputed these items with the credit bureaus and/or furnishers, but they were either verified without proper investigation or not corrected as required by the Fair Credit Reporting Act ( FCRA ).

Specifically, these accounts do not meet the standards of accuracy or verifiability outlined under FCRA Sections 609 and 611. I requested validation or documentation to prove the legitimacy of these accounts, but either received none or received generic responses without sufficient proof.

I am requesting that the Consumer Financial Protection Bureau open an investigation into the credit bureaus and/or furnishers for failing to : Conduct a reasonable investigation of my disputes, Provide adequate documentation verifying the accounts, and Remove unverifiable or inaccurate items from my file as required by law.

Until proper verification is provided, I am requesting the deletion of these disputed items from my credit reports.

Please assist in ensuring that my rights as a consumer under the FCRA are upheld and that the credit reporting agencies and furnishers are held accountable.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing the validity and reporting of an account that originated in XXXX. This debt is over XXXX XXXX XXXX and by law, it should no longer be reported on my credit report. Furthermore, I never authorized the transfer or sale of this account, and I was not notified of such actions. Any collection activity on this debt is not only inaccurate but unlawful under federal and state laws. They are also re-aging the debt ( illegally changing the delinquency date ) which is a serious violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Dear CFPB Complaint Review Team, I am writing to file a formal complaint against PNC Bank, N.A. due to a privacy violation involving the misdelivery of another customers sensitive banking information. 



On or around XX/XX/year>, I received a mailed packet from PNC Bank containing my own account conversion documents related to their Virtual Wallet product. However, within the same envelope were also documents belonging to another individual, including full name and residential address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This was a serious and alarming breach of privacy. Not only did I receive another customers personal banking information, but this incident raises concerns that my information could have been similarly mishandled. 



I have contacted PNC Banks customer service and privacy department to escalate the matter, and I am requesting that your office investigate this breach as a potential violation of federal privacy laws and consumer protections related to financial services. 



I am seeking : Confirmation that PNC Bank is conducting an internal investigation. 
Written assurance that my personal data was not exposed. 
Accountability for PNC Banks failure to safeguard customer data. 




I have photo evidence of the packet and am available to provide additional documentation upon request. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I C SYSTEM has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

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 2025-06-11 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: CA

Complaint narrative:
This complaint serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices. Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation. To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law. Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed these fraudulent accounts on my report.

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 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I discovered my XXXX store card was closed. When I called I was not told why nor was I given a reason for closure. My reward points ( the equivalent of {$400.00} ) were taken away and not allowed to be redeemed.

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 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
XX/XX/year> I reached out to Columbia Debt Recovery LLC DBA Genesis to find out what debt was owed and see how can we resolve the issue due to me only being a co-signer. They agreed to lowing the debt amount to {$5800.00} which was paid XX/XX/year> for the total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
Despite my repeated efforts to resolve this issue directly with the furnishers and credit bureaus, the disputed account remains on my credit report. This ongoing reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that credit bureaus must conduct a reasonable reinvestigation of disputed information within 30 days. 

Dispute Details : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : The account is inaccurate, unverifiable, and has not been validated or corrected after multiple disputes.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
In May I contacted Equifax Customer service to inform them of my legal name change. 

I was placed with an overseas call center that could not speak XXXX and was completely uncooperative. During the course of that phone call, they asked me a lot of questions that made me somewhat uncomfortable. But I thought the matter had been attended to. 

Less than a week, after that I started getting attempts by people to use my personal information to set app bank accounts. Set up other things and I couldn't figure out why so I contacted with facts again around XX/XX/XXXX. 

I was told that there's no way to anybody. In their officers is responsible for it and that I must be mistaken. They then proceeded to tell me they were going to change my information because they had the forms and everything I submitted to them by mail. But yet they still haven't made this change. 

Now I find out my count online is completely unusable. I can't reach anybody over the phone properly. Because the word Cid appear as a troubleshooting code when trying to view my credit report. I am also unable to file any further disputes. And I'm unable to modify the credit freeze that I have on my account or to change the phone number associated with it. 

My last Attempt to reach them Was by mail on XX/XX/year> XXXX a certified letter that was picked up and signed off by somebody named XXXX XXXX on XX/XX/XXXX of 2025. I sent them all the information they would need and I sent them a letter Explaining how angry I was with them in a polite and calm manner, a copy of my Birth Certificate, a copy of my social security card, a copy of my state Id, a copy of the XXXX Ordered name change and I also sent XXXX other letters that showed my address and personal information on it. And I still have not received an update from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ Closed accounts XXXX XXXX {$1300.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1200.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/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 2025-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Attn : Experian. 

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Not only are they not accurate but they are all reporting different across all bureaus. I have reach out via letter to no resolve. You all are knowingly inaccurately reporting and breaking several consumer protection laws. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX  - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Hard inquiries 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
Around XX/XX/XXXX, Chime suddenly froze my account and withheld approximately {$190000.00} without giving a clear reason or prior notice. I reached out multiple times for an explanation and resolution but received no helpful response. On XX/XX/XXXX, I sent a certified demand letter and emailed a PDF version, requesting a full explanation and return of my funds. As of now, Ive received no reply. This has caused me financial hardship and stress, and I believe Chimes actions are unjustified and irresponsible.

Company response to consumer: Closed with explanation