vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX charged {$120.00} to my bank account on XX/XX/year> So I called my bank first to dispute the transaction but it was still pending. So they advised me to lock the account to initiate an investigation. After speaking with an agent they gave me the number to the company which the purchase was made ( XXXX ). After calling I was informed that my account had been hacked numerous times & more accounts opened plus some very sketchy activity my name should never be associated with, I then was given a number to call the FTC. XXXX XXXX XXXX XXXX XXXX & after speaking with him His behavior was very suspicious. I informed him that my bank was still open and I could just go up to it he stated " NO '' you must keep this very private but continued to ask repeatedly what was in my account how many accounts I had how far my bank was from my house how long it'd take my wife and I to get dressed to go to the bank and if we go dont go in wait for his instructions ONLY because " we don't know how to do this '' so with that I just told him it doesn't sound right I'll call my lawyer & go from there he began to be rude & insulting all while stating the conversation is being recorded please help if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
THIS ACOCUNT ( CREDIT CENTRAL ) XXXX OPENED ON XX/XX/year> BALANCE OF {$1100.00} DOES NOT BELONG TO ME PLEASE HAVE THIS REMOVED ASAP. I HAVE FILED A POLICE REPORT, ID THEFT REPORT, AND FILED A COMPLAINT WITH BBB. PLEASE REMOVE THIS INCORRECT INFORMATION ASAP!

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 2025-06-24 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: Cedars Business Services, LLC
State: AL

Complaint narrative:
THIS ACOCUNT ( XXXX XXXX ) XXXX OPENED ON XX/XX/XXXX  BALANCE OF {$1100.00} DOES NOT BELONG TO ME PLEASE HAVE THIS REMOVED ASAP. I HAVE FILED A POLICE REPORT, ID THEFT REPORT, AND FILED A COMPLAINT WITH XXXX. PLEASE REMOVE THIS INCORRECT INFORMATION ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

15 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 non-monetary relief
Consumer complaint received 2025-06-24 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:
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.

15 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
companies were unauthorized to pull my XXXX  credit : XXXX XXXX XXXX date : XXXX cXXXX XXXX XXXXnk XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
companies were unauthorized to pull my Equifax credit : XXXX XXXX XXXX  date : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ally financial date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : ODE Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX FL XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : HONEST AUTOS XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: OK

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 XXXXXXXX IN XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, Balance : $ XX/XX/XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-24 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: IN

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.

15 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 2025-06-24 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
This medical debt was sold to this company alongside the other accounts that your company recently had removed from my credit report. I have called this company NUMEROUS times and can't get through to a rep. This debt was forgiven and needs removed from my credit report. I was misdiagnosed with a XXXX XXXX and this XXXX bill is a result of that. They broke it down into a total of XXXX accounts. I truly appreciate your help in having this removed so I can move forward with my life. Its held me back for a very long time now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am formally disputing several late payment notations that are inaccurately reported by TransUnion and XXXX. The accounts listed below either reflect a {$0.00} past due balance or are fully paid and closed, yet they continue to display derogatory payment history without sufficient documentation or lawful justification. This is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and verifiable information. 

XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account reports a {$0.00} past due balance but is still being shown with late payment remarks. This is contradictory and inaccurate, and no evidence has been provided to validate any delinquency. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Despite being current and showing no past due balance, this account reflects derogatory late payment data. This information is both outdated and unverifiable, and should not appear on my credit report. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is closed and fully paid with a XXXX balance, yet continues to report negative payment history. TransUnion and Experian have not provided any verified documentation to justify this status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account was settled and paid. Reporting any derogatory payment status after closure with a XXXX balance is misleading and harmful to my credit profile. There has been no validation of these late payments. 

XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The account is closed and paid in full with a XXXX balance. However, both bureaus are continuing to report late payments with no documentation or basis under the FCRA, which is legally unacceptable. 

These inaccurate, incomplete, and unverifiable notations are a direct violation of the FCRA, specifically sections 1681e ( b ) ( requiring maximum accuracy ) and 1681i ( a ) ( requiring proper reinvestigation procedures ). The continued reporting of false derogatory information is causing undue harm to my creditworthiness.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation

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 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation

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 2025-06-24 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: NJ

Complaint narrative:
I am writing to demand immediate action regarding the gross inaccuracies and unlawful reporting in my credit file. After reviewing my credit report, I have discovered that your actions, as well as those of the creditors providing you with information, are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including 15 U.S.C. 1681.

Your repeated failures to comply with federal regulations have caused me undue stress, anxiety, and reputational harm, and this blatant disregard for your legal obligations must be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal and final demand that you immediately delete the inaccurate and unverified tradeline being reported by XXXX XXXX on my Experian credit report. 

Let me be absolutely clear. XXXX XXXX has failed to validate the alleged debt under the requirements of the Fair Credit Reporting Act 15 USC 1681i. What they provideda bogus lease and a so-called move-out statementdoes not meet the legal threshold for verification. These documents are not signed, are not itemized, and do not contain any proof of delinquency, amount owed, or legal liability on my part. This is not validation. It is an evasion of federal consumer protection law. 

Even XXXX, after conducting its own reinvestigation, deleted this same account due to lack of verification and documentation. If XXXX determined the debt to be unverifiable and unreliable, there is no justification for Experian to continue reporting it unless Experian is willfully ignoring the FCRAs reinvestigation standards. 

Lets be clear on the law since Experian is clearly not clear on the law FCRA section 1681i ( a ) ( 1 ) ( A ) requires Experian to delete any disputed information that can not be verified. That includes documents that are incomplete, vague, or fail to directly tie me to the alleged debt.

FCRA section 1681i ( a ) ( 5 ) ( A ) also mandates that unverifiable items must be removed, not defended by blindly parroting what the furnisher says.

If Experian is claiming this information is verified, I demand the exact documents you received from XXXX during your reinvestigation. If you can not provide documentation that includes my signature, a full itemized ledger, and legal proof of a balance owed, then your continued reporting of this account constitutes negligence at best and willful noncompliance at worst. 

We arent about to drag this out another 60 days because my next step will be a lawsuit. If your reinvestigation is properly being investigated, upload the documents and talk via the consumer financial protection, bureaus platform, not hide behind these sham delays! Please see the screenshot where XXXX quickly acknowledged the error/incorrection and the correction on the consumer financial protection bureaus portal and explained their 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