vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Thrift Investment Corp.
State: CA

Complaint narrative:
I called this company to report my uncles death in XXXX. I then traveled back to my home state after sharing that we would be trying to coordinate final payment of the loan. Weve had several issues to deal with and have not made payment. I received one phone call from the gentleman I originally spoke to as a company in the call center he left a voicemail asking for me to call back. With the time difference they are usually closed when I am out of work. 

I then received a random text message on XX/XX/XXXX aggressively demanding money and telling me to let them help me. I had to ask for them to identify who they were and where they were texting me from. The person was aggressive and threatened me with the sheriffs office if I didnt provide my address. I then called the number they provided which was thrift investment companies mainline and I spoke to the representative who identified themselves in the text and I asked their title and they said they are the vice president of the company named XXXX. He cut me off was very disrespectful. He stated that he texted me prior and I never received those text messages, so I had no idea whom I was speaking with and from what company. Since there was no proper identification of who I was speaking with or what it was in regards so in both the text and phone call they have violated my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
It has now been over XXXX  days since Citi accepted a direct deposit into an account I could not access. Citi has not provided an official closure date or disbursement date and continues to state up to XXXX  days without explanation. I am requesting immediate confirmation of the closure date and release of my funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I submitted a written dispute regarding a XXXX XXXX credit card account that was charged off. My dispute identified multiple specific inaccuracies and legal violations, including improper postcharge-off reporting, continued past-due balances, and inaccurate payment history being reported after the account was charged off. 
Despite receiving my dispute, Experian closed the dispute as verified/ no change on the same day without addressing the specific issues raised. This indicates XXXX XXXX failed to conduct a reasonable investigation and Experian relied on a perfunctory verification. 
The account continues to report the following inaccuracies : Late payment notations ( XXXX days past due ) after the account was charged off A past-due balance reported after charge-off A balance being reported by Capital One while the same debt is also being reported by a third-party debt buyer Failure to correct or suppress inaccurate payment history following charge-off I did not receive documentation demonstrating how these items were verified, nor was any explanation provided addressing the specific disputes raised.

Why This Is a Legal Problem Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ), furnishers may not report information they know or should know is inaccurate.

Under FCRA 623 ( b ), once a furnisher receives notice of a dispute, it must conduct a reasonable investigation, review all relevant information, and correct or delete any information that can not be verified.

Under FCRA 611 ( a ), credit reporting agencies must conduct a reasonable reinvestigation and can not rely solely on automated or conclusory responses from furnishers. 
Additionally, under XXXX XXXX reporting standards, once an account is charged off : It may not continue to age as past due Past-due balances should not continue to accrue Payment history should not reflect ongoing delinquency after charge-off The same debt is also being reported by a third-party debt buyer, raising concerns of improper or duplicative reporting.

Requested Resolution I am requesting that XXXX XXXX correct the inaccurate reporting by removing postcharge-off late payments and past-due balances, or delete the tradeline entirely if accurate verification can not be provided. I am also requesting written documentation explaining how the account was verified and what records were relied upon during the investigation. 
Supporting Documentation Attached are my written dispute letter, XXXX dispute result, and screenshots showing the Inaccurate 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 2025-12-27 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports maintained by Experian and TransUnion, which have caused me significant stress and financial concern. On my Experian report, there are inaccurate addresses listed, including XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX, neither of which I have ever occupied ; under FCRA Section 611 and FCRA ( 605 ), I am entitled to dispute any information that is incomplete or inaccurate and have these errors fully investigated and corrected. On my TransUnion report, I have identified hard inquiries that I did not authorize, specifically XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> ; per FCRA Section 611, I have the right to dispute inaccurate or unauthorized inquiries, FCRA Section 605 ( a ) limits how long inquiries may remain on my report, FCRA ( 605 ) requires outdated information to be removed, and FCRA ( 604 ( a ) ) mandates that all hard inquiries must have a permissible purpose. These inaccuracies and unauthorized inquiries have not only misrepresented my credit history but have also caused confusion, stress, and potential negative impacts on my ability to obtain credit. Despite my diligence in monitoring my accounts and maintaining accurate financial records, these errors remain on my reports, demonstrating a failure in proper verification and reporting practices by both bureaus. I am requesting that both Experian and TransUnion conduct thorough investigations into these inaccuracies, remove any unverifiable information, and provide me with corrected reports in compliance with federal law.

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 2025-12-27 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 am submitting this complaint regarding multiple inaccuracies on my Experian credit report that have caused significant confusion and concern. My report lists incorrect addresses, specifically XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, which do not reflect my actual residence history. Additionally, several accounts report inaccurate late payments and balances, including XXXX XXXX ending in XXXX showing a balance of {$480.00} with a XXXX late payment, and the same card also showing a balance of {$2600.00} with a XXXX late payment, with dates opened in XXXX and XX/XX/XXXX respectively, and last activity listed as XX/XX/XXXX. XXXX XXXX XXXX is reported with a balance of {$1200.00}, date opened XX/XX/XXXX, and last activity XX/XX/XXXX. These inaccuracies do not reflect my actual payment history or personal information. Under the Fair Credit Reporting Act ( FCRA ) 611 and 623 ( a ) ( 2 ), I am entitled to have my credit report corrected and updated to ensure all information is accurate. The misreported addresses and account information have the potential to negatively affect my financial opportunities, including credit applications, interest rates, and other services that rely on accurate credit reporting. I have requested that Experian correct and update this information in compliance with FCRA requirements, including verifying account details with the furnishers and ensuring the reporting is fully 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
Consumer complaint received 2025-12-27 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: TN

Complaint narrative:
I am filing a complaint to you once again regarding multiple inaccuracies and unauthorized inquiries appearing on my credit reports with Experian, Equifax, and TransUnion. This is my XXXX formal follow-up regarding these matters, as previous communications have not resulted in the complete removal of the disputed information. I am extremely concerned about the continued reporting of these errors, which directly impact my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon careful review of my credit files, I identified that the account XXXX XXXX XXXX is being reported as a late closed account with a balance owed of {$0.00} on all three bureaus ( Experian, Equifax, TransUnion ) XXXX This reporting is inaccurate, misleading, and unverifiable. In accordance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), I am requesting the immediate removal of this account from all my credit reports. This repeated failure to remove inaccurate accounts is unacceptable and continues to cause me undue stress and harm. 
Additionally, my Experian report contains several inquiries that were not authorized by me and lack any permissible purpose under federal law. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are in direct violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). I demand the permanent removal of these inquiries, as they were made without my knowledge, consent, or authorization. The fact that they remain on my report despite previous requests is both troubling and legally questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TN

Complaint narrative:
I am filing a complaint to you once again regarding multiple inaccuracies and unauthorized inquiries appearing on my credit reports with Experian, Equifax, and TransUnion. This is my XXXX formal follow-up regarding these matters, as previous communications have not resulted in the complete removal of the disputed information. I am extremely concerned about the continued reporting of these errors, which directly impact my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon careful review of my credit files, I identified that the account XXXX XXXX XXXX is being reported as a late closed account with a balance owed of {$0.00} on all three bureaus ( Experian, Equifax, TransUnion ) XXXX This reporting is inaccurate, misleading, and unverifiable. In accordance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), I am requesting the immediate removal of this account from all my credit reports. This repeated failure to remove inaccurate accounts is unacceptable and continues to cause me undue stress and harm. 
Additionally, my Experian report contains several inquiries that were not authorized by me and lack any permissible purpose under federal law. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are in direct violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). I demand the permanent removal of these inquiries, as they were made without my knowledge, consent, or authorization. The fact that they remain on my report despite previous requests is both troubling and legally questionable.

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 2025-12-27 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

XXXX XXXX ( XXXX  / XXXX ) XXXX XXXX XXXX XXXX ( XXXX ), ( XXXX ), ( XXXX / XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( 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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC closed my account with no notice ; they told me they had the right to end the relationship and do not have to tell me why they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Disputed this account many times as they have not sent a complete debt validation letter. Please see attached documents!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MoneyLion Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX, XXXX. 
XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Re : Cease and Desist FDCPA 15 U.S.C. 1692c ( c ) Dear Sir or Madam, I am writing regarding the account referenced as XXXX. This letter serves as a formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand that MoneyLion, Inc. immediately cease all communications with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, text messages, letters, or any other forms of contact, except to notify me of specific actions being taken in accordance with the law. 

Please be advised that continued attempts to contact me after receipt of this letter will constitute a violation of federal law, and I will report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney General. 

I request that you confirm in writing within 10 days of receipt of this letter that all communications with me will cease, except as legally permitted. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
b'I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing.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 XXXXThe continued reporting of these inaccuracies violates the Fair Credit Reporting Act (FCRA)  607(b), 609(a), 611(a), and 623(a)(1)(A), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e(b) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am disputing inaccurate and unauthorized address information on my consumer credit report that is interfering with my ability to dispute accounts accurately. 

An address I have never lived at or received mail at was reported to the credit bureau by multiple furnishers, including a financial institution. This address is being used during reinvestigations and is linked to active accounts on my credit file. I disputed this address through the credit bureaus online system, but I was blocked from completing disputes and instructed to contact furnishers directly. 

On multiple occasions in XX/XX/year>, I attempted to submit online disputes regarding both the incorrect address and related account inaccuracies. The credit bureau refused to process the disputes online and instead required phone calls or additional steps, preventing a complete written record. As a result, my disputes could not proceed through normal reinvestigation channels. 

The continued reporting of an address that is not mine is materially misleading and affects dispute verification, because furnishers are allowed to match accounts using incorrect identifying information. This has resulted in repeated verified outcomes without proper reconciliation of contradictory reporting across credit bureaus. 

I submitted a written dispute requesting deletion of all unauthorized addresses and correction so that only my current mailing address remains on file. Despite this, the inaccurate address continues to appear, and the bureau has not completed a proper reinvestigation. 

This conduct violates the requirement that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information.

Company response to consumer: Closed with non-monetary relief