vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: DC

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: GA

Complaint narrative:
First problem that i got with PNC BANK was the last payment I did all my payments on time but at the time that i want to make the last payment the refused to accept it like always and the make me to do a transaction at the bank but the money dissapeared and i have to made another payment and this happens about 2 months ago After that ( make another payment without noticed or received the money i wait for title and now it look like they are playing with me because i didnt received my title If you need more info please let me know thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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. Please block and delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this info. My name is also misspelled and appears to be mixed with another persons file. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: DC

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 2025-10-14 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute and request an investigation into multiple inaccurate, unverifiable, and duplicate items being reported on my credit file by various furnishers and credit reporting agencies. These errors are causing serious harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

1. Duplicate & Inaccurate Accounts Several accounts are reported multiple times or with conflicting balances, violating FCRA accuracy requirements : XXXXXXXX XXXX XXXX XXXXXXXX Reported late payment with balance {$2100.00}, opened XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX Late payment reported with balance {$32000.00}, opened XX/XX/XXXX. 

XXXX XXXX Reported twice with different balances ( {$500.00} and {$630.00} ), same open date XX/XX/XXXX. 

XXXX XXXX XXXX XXXX & XXXX Multiple collections reported with differing balances ( {$1100.00} and {$1600.00} ), overlapping dates. 

2. Improper Charge-Offs, Late Payments & Collections Many accounts are inaccurately reported as charge-offs, late payments, or collections, some of which are outdated, unverifiable, or incorrect : XXXX XXXX XXXX Reported late payment despite account dispute. 

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 Reported with charge-offs, late payments, or collections that are inaccurate or unverifiable. 

These errors inflate my debt obligations and create a false negative credit profile. 

3. Unauthorized Inquiries Several inquiries appear on my credit file without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA requires all inquiries to be authorized by the consumer ; these were not. 

Harm & Relief Sought These reporting errors have lowered my credit score, caused credit denials, and resulted in financial and emotional distress. I request that CFPB : Investigate these reporting violations immediately. 

Require credit reporting agencies and furnishers to validate each disputed account. 

Remove all duplicate accounts, unverifiable charge-offs, late payments, collections, and unauthorized inquiries. 

Ensure compliance with FCRA 1681e ( b ), 1681i, and 1681s-2, requiring accurate and verifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I hired a moving company and paid them in full using my credit card. The movers failed to deliver all of my property that was in their possession. This is not a case of being unhappy with the service- it is a clear non-delivery and breach of contract. 
I have filed multiple disputes with my credit card company ( five in total ), but each time they incorrectly categories it as a service dissatisfaction issue and denied the dispute without properly investigating. I provided evidence showing that the movers still had undelivered items, but this was ignored. 
I also requested written denial letters for each closed dispute and have not received them. The most recent representative told me they were mailed, but could not provide tracking or copies electronically. 
I am requesting that the credit card company investigate the dispute under the correct reason : non-delivery of goods/services as agreed, and provide all denial letters in writing.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
To Whom this may concern, This a follow up to my previous claim that was closed ( Claim XXXX XXXX XXXX 

I opened a Citi " Regular Checking Account '' ( Account Number XXXX ) on XX/XX/year>. On XX/XX/XXXX I was told my account was flagged for fraud and being closed immediately even though no fraud was committed on the account. I was told at this time that it would take 60 days and the remaining funds would be mailed to me. On XX/XX/XXXX I received a phone call that the only way to receive the funds from the account ( {$130.00} ) is to appear in person at a citibank branch with my husband who had deposited into the account. The nearest branch is over two hours away. They said it would be impossible for the funds to be mailed to me. This is an unacceptable outcome as Citibank closed my account for no fault on my part. 

The response to this ticket was I needed to visit a Citibank branch with my husband showing ID and they would be able to provide me with my money. However, when I visited the Citi branch in XXXX, MD they informed me there was nothing they could do because the account was blocked and advised me to call the executive line. This was a four hour round trip drive from my home. As a practicing XXXX  I am aware withholding my funds with no way of retrieving them is illegal and I will not hesitate to file a lawsuit if this matter is not settled with my funds being returned to me. 

Thank you. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Upon reviewing my Equifax credit report, I discovered that Midland Credit Management is reporting two collection accounts that do not belong to me. These accounts are inaccurate, unverified, and are negatively impacting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 formally dispute several unauthorized credit inquiries that appear on my credit report. I did not grant authorization to the companies listed below to access my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), a credit report may only be accessed with the express written consent of the consumer or for another legally permissible purpose. Any inquiry performed without such authorization is a direct violation of federal law. 
Accordingly, I request that your agency Investigate the unauthorized inquiries listed below. 
Remove these inquiries from my credit report immediately. 
Provide written confirmation once the deletions have been completed. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate disputed items within 30 days of receiving this letter and provide the results of your investigation in writing. 

Thank you for your prompt attention to this matter. Please remove the unauthorized inquiries immediately and confirm in writing once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not grant authorization to the companies listed below to access my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), a credit report may only be accessed with the express written consent of the consumer or for another legally permissible purpose. Any inquiry performed without such authorization is a direct violation of federal law. 
Accordingly, I request that your agency Investigate the unauthorized inquiries listed below. 
Remove these inquiries from my credit report immediately. 
Provide written confirmation once the deletions have been completed. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that under the FCRA ( 15 U.S.C. 1681i ), you are required to investigate disputed items within 30 days of receiving this letter and provide the results of your investigation in writing. 

Thank you for your prompt attention to this matter. Please remove the unauthorized inquiries immediately and confirm in writing once this has been completed.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
removal I am requesting the removal of inaccurate and outdated addresses from my credit report. I have already disputed these addresses with Experian, Equifax, TransUnion they have failed to remove it These addresses are not associated with me and may be contributing to errors or potential fraud risk on my credit file. The addresses I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My current and only valid address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am concerned that these inaccurate entries are affecting the accuracy of my credit report and potentially my credit score or lending decisions. I have provided proper identification and proof of my current address during previous disputes, but the incorrect information remains. 

I respectfully request the CFPB to assist me in ensuring that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by investigating and correcting my personal information

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Back in XXXX Wise agreed to pay a settlement of us {$270.00} for delaying verification of my account, and delaying payments. However, they have lied repeatedly about being able to send the money. I have contacted them countless times to send it and they keep lying and saying that the payment has been rejected. 

Because they have tried numerous times to collect personal data that has nothing to do with transfers I did not want to add additional accounts to their platform. But because they kept lying about sending money I added an American bank account to try and help them, although they need no help from me. Nevertheless they are still claiming that they are unable to send the money. 

Now, I have had many many many issues with WISE this is just the latest in a saga that's now been going on for years. Therefore, I'd like more information on escalation and sharing my complete dossier of files against Wise. I've attached one photo of my request to know where the pay out was back in XXXX. This past Friday I asked them to explain why they needed to continue waiting to send the payment because they said the delay had something to do with their complaint process. I repeatedly asked them to explain the process and their deadlines for completing the payment and as usual they ignored it. I'm attaching a pic of every email they ignored. 

For the record all other complaints I have filed against wise including their ombudsman, and the XXXX are now closed. I'm stating this fact in case they try to use it as an excuse to hurriedly close this complaint or ignore it! 

P.s. I've also attached a photo of them asking for banking information that I have already submitted numerous times. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
XX/XX/year> and XXXX I got a notification that someone logged into my Chime account from an XXXX XXXX which I do not own. 2 minutes later there was an initialXX/XX/XXXXTransfer for {$0.00} to chime accountXX/XX/XXXX XXXX, within the next 6 minutes they made XXXX more transactions equaling {$1000.00}. I have never used this function of Chime before, the initial amount sent being {$0.00} and the last taking my account to {$0.00} to the XX/XX/XXXX seems like a red flag to me and I have been told twice that " no error occurred '' and they are refusing to reimburse my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Verification of Debt First Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Portfolio Recovery assoc , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Date Dear sir or madam : In accordance with Section 809 of the Fair Debt Collection Act, I am requesting validation of the debt related to a XXXX account. According to the statute, you must cease any debt collection activities until you have verified this debt and have 30 days from the receipt of this letter to verify the debt. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: FL

Complaint narrative:
I asked Cash app to file a complaint concerning the hold on my money from XXXX transaction. Cash app stated they could take my concerns. Gave me a case number which is ( XXXX ) but they dont have a department to follow up on this matter. XXXX does not have a record of the transaction because it did not go through. They are not holding the funds. Cash app refuses to look into this matter or investigated in any type of way stating that I have to wait 18 days before I can dispute the charge. Initially, I was told that it would only take five days for it to fall off of my cash app account.

Company response to consumer: Closed with explanation