vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE SENT OVER LETTERS ACCOMPANIED WITH POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT TO REMOVE THE FRAUD IDENTITY THEFT INFORMATION FROM MY CREDIT REPORTS. EXPERIAN, EQUIFAX AND TRANSUNION HAVE FAILED TO REMOVE THE FRAUD INFORMATION. THEY ARE BREAKING THE LAW BY REPORTING THE IDENTITY THEFT INFORMATION ON MY CREDIT REPORTS. ALL 3 CREDIT REPORTS ARE REPORTING THE FOLLOWING FRAUD INFORMATION AND ACCOUNTS ON MY REPORT. XXXX XXXX XXXX OPEN DATE XX/XX/XXXX. XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ARE FRAUD ACCOUNTS AND IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND NEVER APPLIED FOR THEM. FRAUD CREDIT INQUIRY XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. FRAUD PHONE NUMBER XXXX. INCORRECT INFORMATION XXXX XXXX NEVER LATE. CARD WAS LOST AND FRAUD CHARGES WERE MADE ON THEM THAT IS WHERE TH ELATE PAYMENT XCAME IN CARD WAS PAID OFF AT THE TIME BUT FRAUD CHARGES WERE MADE ON THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am absolutely furious that, despite my ongoing disputes, the XXXX  XXXX XXXX account ( # XXXX ) is still showing a XXXX late mark on my credit report, while the comments incorrectly indicate paid as agreed. I have disputed this account as unauthorized since XX/XX/year>, and despite multiple dispute letters, each including a Method of Verification request, this account still remains on my credit report. How is it possible that, after all the evidence Ive provided, this account is STILL being reported as if it is mine? This account should have been removed a long time ago, yet it continues to damage my credit score. Equifaxs failure to uphold its responsibilities under the Fair Credit Reporting Act ( FCRA ) is deeply frustrating, and this continued inaccuracy is completely unacceptable. I demand the immediate deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-25 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I contacted. I contacted PNC bank about my account being withdrawn after not making any transaction. I made the first transaction of depositing {$620.00} on XXXX XXXX in my spending account. I then {$600.00} to a person using my XXXX PNC took all of my money left over in my spending I called and they stated that they dont see a deposit of XXXX in my account is- {$600.00} they stated the money went towards the negative ballot in my account and no transaction. I then seen that the only negative balance I have currently is my credit card. I believe PNC Bank is fraudulently taking money from my account and changing transaction date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Please accept this correspondence as my formal notice disputing the referenced accounts. I have no affiliation with them and did not authorize their creation. I request removal and review. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Applications were made in my name without my knowledge or authorization, leading to these companies pulling my credit report and negatively impacting my credit score. I do not recognize these inquiries, nor have I given permission for them. I already contacted the bureau, and a representative assured me that these unauthorized inquiries would be deleted, yet they remain on my report. This ongoing issue is creating unnecessary stress and concern for potential identity theft.

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 2025-11-24 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: PA

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am filing a complaint regarding a collection account reported by Midland Credit Management for a balance of {$2600.00}. I dispute this debt because it is not mine / inaccurate / unverifiable ( adjust based on your situation ). 

Despite my efforts to resolve or dispute this account, including contacting Midland directly and filing previous disputes with the credit bureaus, the account continues to appear on my credit reports. 

This reporting is damaging my credit and may be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) if the debt can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Applications were made in my name without my knowledge or authorization, leading to these companies pulling my credit report and negatively impacting my credit score. I do not recognize these inquiries, nor have I given permission for them. I already contacted the bureau, and a representative assured me that these unauthorized inquiries would be deleted, yet they remain on my report. This ongoing issue is creating unnecessary stress and concern for potential identity theft.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-24 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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: TN

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXXXXXX | XXXX XXXX | XXXX XXXX | XXXX XXXX XXXXXXXX | 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 non-monetary relief
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was reviewing my credit report and notied inquries that are nt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: PA

Complaint narrative:
I disputed this account [ KIKOFF LENDING LLC XXXX ] with all three credit bureaus, they responded to me stating that the account was verified by your company. This cant be correct. Im asking your company to investigate this matter and to correct this inaccurate account. 

THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/year> i made a deposit of {$120.00} dollars that wasnt credited to my account I notified the bank they told me they saw the transaction and would handle it from there they put a provisional payment of XXXX into my account pending investigation .. then they sent me a letter saying the claim had been investigated based on all available information and no billing error has been found .. they withdrew the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
After numerous inaccurately and incompletely information and filing complaints through CFPB the company responded with the fact they have know of possible fraud and did nothing about it even though I have requested the negative information be removed. At this time with there own documentation they submitted to CFPB I request the account be removed immediately from all credit reporting agencies due to incorrect and incomplete information under federal law and FCRA and CFPB regulations possible fraud is enough to remove the account 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
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to credit report. according the The main law is the Fair Credit Reporting Act ( FCRA ), a federal law that requires credit reporting agencies to ensure the information they collect and distribute is fair, accurate, and up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
CFPB Complaint Summary Inaccurate Credit Reporting I am filing a complaint against Experian, Equifax, TransUnion, and XXXX for failure to accurately report, verify, and correct incorrect credit information. 

The XXXX account contains : - Contradictory delinquency history ( XX/XX/year> days reported inconsistently ) - Delinquencies reported during ND ( No Data ) periods - Delinquencies reported after the account was marked Paid/Closed - Failed reinvestigation despite documented inaccuracies - Updates reported without actual correction These actions violate : - FCRA 602 ( A ) - FCRA 607 ( b ) - FCRA 611 - FCRA 623 ( a ) ( 1 ) ( A ) I am requesting CFPB intervention to enforce deletion of the account or update to paid as agreed/never late

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 2025-11-25 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: NC

Complaint narrative:
I have had to contact companies and ask them to stop reporting information that was 14 years old and incorrect information and a truck loan I never knew had a 7 year term.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I have had to contact companies and ask them to stop reporting information that was 14 years old and incorrect information and a truck loan I never knew had a 7 year term.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Company : Avant , LLC Product : Credit Card Issue : Compromised account, improper credit reporting, failure to investigate, refusal to suspend reporting, hardship ignored Complaint Description : I am filing this complaint because Avant continues to report a balance and negative information on my closed credit card account ending in XXXX, even though the account was closed due to a suspected compromise and security concerns. 



I notified Avant that I believed the account may have been compromised and that I closed the account for my protection. Avant confirmed that the account was closed, but they have continued reporting the balance to the credit bureaus without : Validating the remaining balance Investigating the compromise concerns Suspending reporting during the review Providing documentation proving the charges are accurate This violates the FCRAs requirement that furnishers only report information that is accurate, verified, and not misleading. Avant is reporting a disputed and potentially compromised balance as though it is confirmed and legitimate, which is harmful and inaccurate. 



I am under documented medical and financial hardship, and Avant has not reviewed or considered my hardship request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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