vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account Number XXXX XXXX XXXX XXXX XXXX : XXXX ref # : XXXX Thank you.

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 2025-07-21 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: AL

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$210.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-21 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My wife sent me two XXXX transfers of {$110.00} and {$700.00} to help me pay bills, but Capital One has frozen these funds and is not granting access to them. I recently opened this checking account because my wife also opened one and recommended that I do the same. Capital One contacted my wife and my cousin regarding the transfers, and they confirmed everything, but the funds are still unavailable. Additionally, Capital One informed me that they are closing my account and that I will no longer be able to have a checking account with them. 
The transfers are reflected in their banking system as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
In XXXX & XX/XX/year>, Velocity Investments , LLC, through XXXX XXXX, XXXX, left a summons ( Case No. XXXX ) at the homes of two unauthorized third parties without my presence disclosing my alleged debt ( Account Number XXXX, tied to XXXX XXXX or XXXX XXXX XXXX ) and causing distress. A XXXX XXXX XXXX search found no such case, suggesting they impersonated legal authority, violating FDCPA ( 15 U.S.C. 1692c ( b ), 1692d, 1692e ). They may be misreporting to XXXX, XXXX, and XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ). Velocity has multiple FTC complaints, and I filed with the FTC as well today. In my XX/XX/year>, cease-and-desist letter, I demanded : ( 1 ) a 1099-C form or confirmation the debt isnt canceled, ( 2 ) cessation of all collection and third-party contact, and ( 3 ) credit bureau updates with confirmation within 30 days XXXX I included ( summons, court search verification in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AZ

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 XXXX XXXX, 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 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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am filing a formal complaint against PNC Bank for deceptive conduct, negligence in handling fraud, retaliatory account closure, and violations of federal consumer protection laws. I opened a PNC account five years ago after being misled that a branch would be opening in XXXX XXXX within 12 years. That never occurred. To this day, the nearest branch is nearly XXXX minutes away, and PNC provides no reliable ATM access in XXXX XXXX. Their claim that XXXX ATMs are available is false ; they frequently malfunction or do not recognize PNC accounts XXXX I was forced to use unsecured gas station ATMs, which led to repeated identity theft and fraudulent activity on my account. I reported each incident immediately, yet PNC consistently failed to process my disputes, violated my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ), and failed to meet required timeframes for investigation. Over 90 calls were made to their customer service department, and my case was escalated to a representative named XXXX XXXX, who harassed and misled me further. I received inconsistent and inaccurate information from various PNC representatives, and it was never clear whether disputes were properly filed. During this time, I was displaced due to the XXXX XXXX wildfires and widespread civil unrest, which led to looting, burglaries, and the loss of essential belongings. As I experienced repeated fraud amidst this regional crisis, PNC retaliated by abruptly closing my account without warning. They blocked access to my funds while over {$7200.00} in unresolved fraudulent charges remained. I was then issued a {$1.00} check as a final insult. Even after closure, representatives continued to give conflicting information, with some falsely claiming my account was still open. My attorney, XXXX XXXX, XXXX, contacted client relations and was ignored. Attempts to contact their legal department were met with silence. PNCs actions reflect violations of the Electronic Fund Transfer Act, the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the FTC Act ( 15 U.S.C. 45 ). They have also demonstrated negligent misrepresentation and a complete lack of fair banking access for customers in XXXX XXXX. Their failure to investigate fraud, combined with retaliatory behavior during a period of natural disaster, has caused severe emotional distress and financial instability. I am requesting immediate investigation, full reimbursement of {$7200.00}, and appropriate regulatory enforcement by the CFPB and other oversight agencies. No consumer should be subjected to such systemic abuse and abandonment by a national financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 VA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$440.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX Date : 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 2025-07-21 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: NC

Complaint narrative:
I was in competition for a raise at my job and was denied due to my credit report. I checked my credit report and there is a lot of misinformation accounts almost XXXX addresses I have no association with along with spammed inquires and credit card accounts. I reached out to solve this issue with no help so far. None of the companies responded to any of my letters or phone attempts to talk with someone who could escalate the situation.

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 2025-07-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute to Equifax under FCRA 611, along with a clear copy of my government-issued ID, requesting a lawful reinvestigation into three specific tradelines. I explicitly demanded that Equifax verify : Whether the furnishers had the legal authority to report, Whether a valid, enforceable agreement existed, and Whether the tradelines could be verified with full supporting documentation. 

Despite following all required identity verification procedures, Equifax refused to send me a copy of my credit report twice claiming it could not verify my identity. Yet during that same period, Equifax allowed changes to be made to the very tradelines I was disputing. That contradiction alone is a breach of protocol. 

Even without supplying my report, Equifax clearly processed the dispute, since tradeline statuses were updated. However, they provided no supporting documentation from the furnishers, no explanation of their findings, and no proof of any reasonable investigation in direct violation of FCRA 611 ( a ) ( 7 ) and 623 ( b ).

In short : Equifax refused to acknowledge me, but continued altering my report behind my back. That is deceptive, procedurally broken, and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
his 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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, GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} INQUIRIES : 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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
Car purchased on XX/XX/XXXX at XXXX of XXXX, total balance on the Bill of Sale is XXXX. On XX/XX/XXXX, I tried to make a payment on Truist bank online website and the total amount was {$22000.00}. It would not take the payment said, I needed to contact the bank. The person at the bank XXXX whom I spoke with in the XXXX hour told me that I needed to give her my route and bank account information and she had to add my bank. I refused to provide my information. 
I contacted XXXX at XXXX of XXXX to verify my loan amount and she agreed {$22000.00} is what the amount should be. I also questioned if my information had been sent to XXXX XXXX XXXX XXXX office so that I could get my tags. I went there 2 times and could not get my tags as they did not have the information from the car dealer XXXX of XXXX. Today, per XXXX, they should received this information which was mailed out today to XXXX office and it should be there this Wednesday for me to be able to get car tags. 
My complaint is the different totals on my car loan and I can not actually pay on their website without given up my bank route and account number. My other complaint is that the car warranties were added into this loan and I am paying interest on warranties that I should have had the option to pay cash for. I paid {$4000.00} cash, traded a XXXX XXXX XXXX, on a car that had {$40000.00} sale price leaving me a car loan of {$22000.00}.

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