vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XX/XX/XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-06-25 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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/year>

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I disputed this charge with my credit card company ( XXXX XXXX XXXX XXXX XXXX XXXX and they resolved the case in my favor. The {$790.00} charge from XXXX was removed from my account and credited back. 

Despite this, the same charge was referred to collections by XXXX and reported by Caine & Weiner. I panicked and paid it, not realizing the original debt had already been canceled. 

This is a false collection and violates my rights under the Fair Credit Reporting Act. Please see the attached documentation and remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: KY

Complaint narrative:
On XX/XX/year>, XXXX XXXX submitted a hard inquiry to Experian, even though my credit file was frozen at the time. I did not authorize any temporary lift or thaw of the freeze. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-1, a consumer reporting agency is prohibited from disclosing a frozen credit file for purposes such as a new credit inquiry unless the consumer has explicitly removed or temporarily lifted the freeze. 

I contacted Experian and requested an investigation and removal of the inquiry, but they refused, claiming the account was not fraudulent. I spoke with a representative named XXXX on XX/XX/year>, who confirmed the inquiry would remain despite the file being frozen. 

This is not a fraud dispute it is a violation of federal law. The inquiry should not have been permitted access to my frozen credit file. I am requesting that Experian be compelled to investigate and remove this unauthorized inquiry in accordance with my rights under FCRA 1681c-1.

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 2025-06-25 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX XXXX for reporting inaccurate and misleading information to the consumer reporting agencies regarding multiple credit card accounts. 

Upon reviewing my credit report, I identified that XXXX XXXX XXXX is reporting one or more accounts with derogatory charge-off statuses, late payment notations, and past-due balances that do not accurately reflect the actual history or status of the accounts. These entries appear inconsistent with my contractual relationship with the bank and are harming my credit profile.

I formally disputed these items with the furnisher and requested that they investigate and correct or delete any inaccurate information. To date, XXXX XXXX XXXXXXXX has not provided a correction or sufficient evidence validating the accuracy of the reported data. 

This conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information ; 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failing to correct or update incomplete or inaccurate data ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failing to report the account as disputed ; 15 U.S.C. 1681e ( b ) Failing to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation.

I am requesting that the CFPB compel XXXX XXXX  XXXX to : ACCOUNT ENDING IN XXXX Conduct a full reinvestigation of the reported accounts ; Provide all documentation supporting the charge-off reporting ( including accounting, contracts, and charge-off justification ) ; Remove or correct any unverifiable or inaccurate information from all credit bureaus ; Cease and desist from reporting false or misleading data that affects my creditworthiness. 

XXXX XXXX XXXXXXXX must be held accountable for ensuring that the data it furnishes to consumer reporting agencies is 100 % accurate, complete, and verifiable. I request regulatory enforcement and appropriate relief under the FCRA. 

EMAIL : 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX  XXXX XXXX for reporting inaccurate and misleading information to the consumer reporting agencies regarding multiple credit card accounts. 

Upon reviewing my credit report, I identified that XXXX  XXXX XXXX is reporting one or more accounts with derogatory charge-off statuses, late payment notations, and past-due balances that do not accurately reflect the actual history or status of the accounts. These entries appear inconsistent with my contractual relationship with the bank and are harming my credit profile. 

I formally disputed these items with the furnisher and requested that they investigate and correct or delete any inaccurate information. To date, XXXX  XXXX XXXX has not provided a correction or sufficient evidence validating the accuracy of the reported data. 

This conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information ; 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failing to correct or update incomplete or inaccurate data ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failing to report the account as disputed ; 15 U.S.C. 1681e ( b ) Failing to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation. 

I am requesting that the CFPB compel XXXX  XXXX XXXX to : ACCOUNT ENDING IN XXXX Conduct a full reinvestigation of the reported accounts ; Provide all documentation supporting the charge-off reporting ( including accounting, contracts, and charge-off justification ) ; Remove or correct any unverifiable or inaccurate information from all credit bureaus ; Cease and desist from reporting false or misleading data that affects my creditworthiness. 

XXXX  XXXX XXXX must be held accountable for ensuring that the data it furnishes to consumer reporting agencies is 100 % accurate, complete, and verifiable. I request regulatory enforcement and appropriate relief under the FCRA. 

EMAIL : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My vendor 's domain was hacked. The hacker via my vendor 's email provided a PNC Bank routing transit and account number for payment ( {$5000.00} on XX/XX/year> ) that was not the vendor 's bank account. The ACH transaction DID HAVE a " For Further Credit To : '' that WAS the vendor 's correct business name. PNC Bank still permitted the ACH to process. This transaction originated from my IRA account ( rental property held within my IRA ) with XXXX XXXX XXXX. Due to the USA Patriot Act, PNC Bank is required to follow Know Your Customer ( KYC ) when setting-up the hacker 's account. I have filed an ACH Recall with my IRA and reported the fraud with PNC Bank. Neither entities would provide a case number, stating the case number was internal. I have attachments that provide the hacked email ( invoice attached to email to large to upload ) and the analysis of the hacked email header. To-date, PNC Bank has not reached-out since the fraud was reported. The agent who logged my case, stated that the case can be located with my name and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account 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 2025-06-25 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: TX

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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: RFNA, LP
State: TX

Complaint narrative:
Subject : Dispute of XXXX XXXX Account Reporting Errors and Violations of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau, I am writing to formally dispute the XXXX XXXX account currently appearing on my credit report. This account is inaccurately reported and violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : Creditor : XXXX XXXX Balance Reported : {$9000.00} Highest Balance : {$0.00} Status : Charge-off Account Opened : XX/XX/year> Last Payment : XX/XX/year> Remarks : Consumer disputes reinvestigation in progress FCRA Violations : 1. FCRA 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
The balance of {$9000.00} is inconsistent with the highest balance listed as {$0.00}. This is a clear factual inaccuracy. 
2. FCRA 15 U.S.C. 1681c Obsolete information and inaccurate reporting.

The account is marked as a charge-off but is still listed as open, which is a contradiction in reporting status.

3. FCRA 15 U.S.C. 1681i Failure to reinvestigate disputed information.

This account has been previously disputed, and the reinvestigation has not corrected the reporting errors.

4. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information. 
XXXX XXXX is reporting continued late payments after the accounts charge-off date, which may mislead future creditors and is inconsistent with proper reporting standards.

Action Requested : I am demanding the following actions : Immediate deletion or correction of the inaccurate XXXX XXXX account from my credit report. 
A detailed explanation of the procedures you followed to verify this account. 
A full reinvestigation with proper documentation from XXXX XXXX. 

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue legal action for damages under the FCRA. 

Please provide a written response to this dispute within 30 days as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-25 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: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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