vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
This account is unauthorized and is not mine. I need this account to be removed from my credit report 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 2025-07-31 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received a title loan from lXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ky XXXX. I deposited the check XX/XX/year> on a Saturday same day I got the loan. I deposited it in my banks atm. 5/3 bank XXXX XXXX XXXX XXXX ky XXXX. Ive been banking with them close to a year and I have direct deposit set up from my job to the bank. On Monday my 5/3 app didnt reflect my deposit. So I called the bank and they said it would be processed that day the XXXX. Tuesday the XXXX the check showed processed on Monday the XXXX but still didnt reflect on my available balance. I called again they said call customer service. I called customer service and they said something was wrong with my the app but my funds were available. So i transferred XXXX from my savings account I have with the same bank. I already had {$100.00} in my checking account before the {$1000.00} check. I went Wednesday the XXXX and withdrew XXXX. I went in the bank to make the withdrawal. I look at my app today because my check from work gets direct deposited tonight and i have a negative balance of {$1000.00}. I called the bank and they said its because theres a hold on that {$1000.00} check that got deposited XX/XX/year>. They said it will be a week before the hold is lifted plus they will take the funds I get deposited tonight from my job. Bank blamed the loan company loan company blamed the bank. So I had the loan company call the branch manager XXXX and still theres nothing they will do about it. This is putting me in a bind with rent and food. The check from the loan company was good. I dont understand why or how they can do this. They let me withdraw my money then put my account in the negative over {$1000.00} and they will take my money that gets directly deposited tonight which will be $ XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) - OportunXXXX XXXX Account XXXX XXXX Dear Oportun/XXXX  XXXX, I am formally disputing the reporting of the above-referenced account on my credit file. This account appears multiple times on my report under different entries with conflicting information, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The entries also violate the maximum accuracy requirement as stated under FCRA 607 ( b ) and the obligation to conduct a reasonable investigation under FCRA 611. 



Inaccuracies and Violations : Duplicate Entries : This same account is reported three times with identical account numbers ( # XXXX ), same creditor ( OPORTUN/XXXX  ), and balance ( {$0.00} ), which inflates derogatory information and is misleading to creditors. 

Inconsistent Reporting : Conflicting last activity dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and unclear remarks ( e.g., Paid/Closed, In Good Standing, and Closed or Paid Account ) all reported on the same loan. 

XXXX Balance Yet Marked Adverse : This is a closed, paid account with no balance due, yet it is listed across multiple entries and in a way that falsely signals multiple obligations or charge-offs. 

Violation of FCRA 602 ( A ) and 607 ( b ) : Failure to maintain and report only complete and accurate information.

Failure to Report Consistently : The payment history reflects 100 % on-time with no past due yet remarks and entry repetition suggest otherwise. 



Action Requested : Immediately DELETE all duplicate or misreported entries related to this OPORTUN/XXXX XXXX account . 

Ensure only one accurate, paid-in-full, closed account is reported ( if legally permitted to remain ).

Provide a written response with the results of your reinvestigation within 30 days under FCRA 611 ( a ) ( 6 ).

If you find the reporting inaccurate or unverifiable, delete the information as required by FCRA 611 ( a ) ( 5 ) ( A ).

Please consider this letter formal notice of dispute. Should the inaccurate and duplicate information remain unresolved, I reserve the right to pursue further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as explore civil remedies under FCRA 616 and 617 for willful or negligent noncompliance. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
My car was repossessed on XX/XX/year>. I was told to call them about reaching a resolution and opening a review on my case and I would receive a phone call 48 hours later. I never received a phone call or email regarding this decision. I had to call to get a decision, then was told a decision. Then I ran into issues with payment and misinformation about dates I can submit the money for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding XXXX XXXX refusal to remove a single late payment from my credit report. 

This late payment, for a purchase dated XX/XX/year>, was caused by my autopay being turned off without my knowledge. I had relied on autopay to ensure timely payments and was unaware of the issue until the payment had already been reported late. I received no appropriate communication from XXXX notifying me that my autopay had been XXXX. As soon as I became aware, I immediately paid the balance and late fees in full. I have had this credit card since XXXX 12 yearsand have always paid my balance on time and in full. 

Despite my otherwise excellent payment history and multiple requests for a one-time goodwill adjustment, Comenity Bank has refused to remove the negative mark. This late paymenton a {$50.00} purchasehas caused my credit score to drop over XXXX points ( from XXXX to XXXX ). This penalty is extremely disproportionate and does not reflect my history as a responsible customer. 

The charge was made on an XXXX store credit card. While XXXX is still operating, the company has filed for bankruptcy, and its unclear whether I will be able to use the account moving forward. I now have no opportunity to rebuild a positive payment history on the card or demonstrate ongoing good standing. 

Making this even more concerning, I recently received notice that XXXX is changing the terms of my credit card agreement to include a 39.99 % XXXX XXXX and a more aggressive minimum payment formula. These updates signal increasingly punitive lending practices, yet the company refuses to XXXX even basic consideration for a one-time, low-dollar error that I immediately resolved. 

Additionally, XXXX does not offer any way to contact their credit reporting department by phone. I was told the only option is to send physical mail and wait an unspecified amount of time for a response, which I have done. This has made it nearly impossible to resolve the issue or speak with a representative, and Ive received no timeline or meaningful updates along the way. 

I am not disputing that the payment was lateI paid the late fees and returned check charge without issue, even though I was not appropriately notified about these or the change to autopay. I am requesting your assistance in encouraging Comenity Bank to use discretion and remove the late payment as a goodwill adjustment, given the circumstances and the severe impact to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-07-31 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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.

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing a debt that is being reported and collected by Professional Debt Mediat for {$7200.00} ( Account # XXXX ). I do not recognize this debt and have not received any documentation proving its validity. 

On XX/XX/year>, I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), requesting proof of the original creditor, a signed contract, and a full accounting of the alleged debt. To date, I have received no response or documentation from the company. 

Despite my request, the company is still reporting the debt to credit bureaus and pursuing collection without verifying that the debt is accurate or owed. This is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NV

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing. 

I am demanding immediate deletion of this account from all reporting agencies. If you can not provide documented proof showing this account was reported correctly, it must be removed without delay. I will not tolerate any further negligence or disregard of my consumer rights. Failure to correct this error promptly will result in formal complaints to the FTC, CFPB, and legal action if necessary. 
Thank you very much for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX is engaging in deceptive and unlawful practices by using my personal informationprovided strictly for identity verification purposesas a tool to continue verifying and reporting accounts that do not belong to me. 

I have screenshots and credit bureau notifications showing that XXXX XXXX has continued to update and validate these accounts using the same personal data I submitted to support my dispute. This behavior constitutes a violation of both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Under these laws : I have the right to dispute inaccurate or unauthorized information on my credit reports ( 1681i ), Debt collectors are prohibited from using false, deceptive, or unfair means to collect or verify a debt ( 1692e, 1692f ). 

XXXX XXXX  use of my personal information to artificially validate disputed accountsdespite no proof of ownershiprepresents both a violation of my consumer rights and a bad faith attempt to manipulate credit reporting systems. 

I request immediate intervention from the Consumer Financial Protection Bureau to stop these actions and ensure full deletion of these accounts across all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX approximately XXXX I walked up to the XXXX XXXX thru ATM attached to the bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX to deposit funds into my XXXX  XXXX acct debit card ending in XXXX I was traveling from California through New Mexico XXXX I was unaware XXXX XXXX is only located in California. As I attempted to rent a room from a hotel no one accepted cash, so I stopped at PNC to try and deposit the cash I had in the amount of {$2200.00} into the bank. The machine said confirm I tried to add more cash in, and the machine said there was too much deposited or something wrong with my cash and it made a noise like the money would come back out after a few moments it said transaction canceled. I received my debit card back with no receipt, I put my card back in to hopefully see my funds and they were not in my account and the deposit function was blacked out the ATM had malfunctioned and kept my money. I have tried multiple times within the past XXXX weeks to retrieve my money and filed complaints opened claims and no one will help retrieve my money that PNC is sitting on. I contacted both XXXX XXXX and PNC immediately on Saturday XX/XX/XXXX within business hours to file a dispute and claim. I have XXXX children, and my rent is due tomorrow XXXX, My claim with XXXX  XXXX has been denied with no help and I do not understand how they can not help getting my money back claim # XXXX. I have a claim with PNC as well Claim # XXXX they have told me go through my bank as I am a non-PNC customer, but PNC has my money in their atm and have no nothing to rectify this and vice versa both banks at pointing the finger at each other. I filed a complaint for New Mexico as well claim reference # XXXX. I am not getting anywhere and desperately need my money. There is ATM footage, a simple balancing of the atm and logs will show my money is sitting there. Please help me recover my money back.

Company response to consumer: Closed with explanation