vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: PA

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian are reporting information that is inaccurate, incomplete, and/or unverifiable, and they have failed to properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA ). 
I submitted disputes to each credit bureau regarding inaccurate information on my credit file. The bureaus either : Verified the information without providing any method of verification ; Failed to conduct a reasonable investigation ; Continued reporting information that can not be validated ; or Failed to remove or correct the disputed information within the required time period. 
Under the FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under FCRA 611 ( 15 U.S.C. 1681i ), if a consumer disputes information, the bureau must : Conduct a reasonable investigation, Delete or correct any information that can not be verified, Provide the consumer with the results, and Complete the process within 30 days.

Under FCRA ( 15 U.S.C 1681b ), A consumer reporting agency may only furnish a consumer report under specific legally allowed purposes. A CRA may provide a report when the consumer authorizes it in writing.

If the furnisher or bureau can not verify the information, it must be deleted. Continuing to report unverifiable information is a violation of the FCRA.

The disputed information being reported about me is inaccurate and has not been validated, yet the bureaus continue to report it. I am requesting CFPB assistance to require TransUnion, Equifax, and Experian to comply with FCRA requirements, properly investigate the dispute, and remove any inaccurate, incomplete, or unverifiable information. 

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 2025-11-15 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my 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 explanation
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
Beginning in XXXX and continuing through XXXX, several inaccurate, unauthorized, and fraudulent items started appearing on my credit reports across multiple credit bureaus. These include accounts, late-payment notations, and credit inquiries that I did not authorize or open. 

The disputed accounts include : An account reported by a bank in XX/XX/XXXX showing a {$0.00} balance but still being reported as an active negative tradeline. 
An account reported by XXXX from XX/XX/XXXX with a balance of {$1400.00}, which I did not authorize. 
An account reported by XXXX XXXX XXXX  from XX/XX/XXXX with a balance of {$1000.00}, also not authorized. 
An XXXX account opened in XX/XX/XXXX reporting a balance of {$1100.00} and a XXXX late payment, which is incorrect and not authorized. 

In addition, several unauthorized hard inquiries were added to my credit reports on : XX/XX/XXXX ( XXXX inquiries from a major credit card issuer ) XX/XX/XXXX ( a retail jewelry credit inquiry ) XX/XX/XXXX ( multiple inquiries from a mortgage reporting company across different bureaus ) These inquiries were made without my permission and without any application or request for credit on those dates. 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted formal disputes to the credit bureaus. I provided documentation including an identity theft report, evidence of inaccurate reporting, and verification that the disputed items were not authorized. Despite this, several accounts and inquiries continue to remain on my reports without proper verification. 

The credit bureaus have not produced any documentation showing a signed application, contract, IP address, location data, or any form of authenticated authorization supporting these accounts or inquiries. The continued reporting of inaccurate and unauthorized information is affecting my credit profile and violates the accuracy and reinvestigation requirements of the Fair Credit Reporting Act. 

I am requesting that the CFPB require the involved companies and credit bureaus to : Conduct a full reinvestigation of all disputed items. 

Delete any accounts or inquiries that can not be verified with original documentation. 

Correct inaccurate late-payment reporting. 

Provide written confirmation that my credit files have been corrected across all bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX 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 XXXX  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 FICO 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to report serious issues with PNC Bank regarding unauthorized account activity, failure to provide customer service, and inability to close my account ( XXXX XXXX  ). 

1. Unauthorized/Disputed Activity : The account has been subjected to multiple, unauthorized recurring ACH debits from XXXX  for {$100.00} ( see transaction history for XX/XX/XXXX and XX/XX/XXXX ). These were reversed, but the recurring attempts are continuing, indicating a failure by the bank to fully secure the account after reporting unauthorized charges. 

2. Unauthorized Fee/Lack of Waivers : PNC charged a {$36.00} Overdraft Item Fee ( dated approximately XX/XX/XXXX, based on the provided history ). Given the recurring fraudulent attempts by XXXXwhich should result in the account being flagged for closure/protectionI demand this fee be waived. PNC has failed to support the customer against fraudulent charges. 

3. Failure to Close Account : I have repeatedly attempted to contact PNC in person, by phone, and by digital messaging to formally close the account, as the balance is currently {$0.00}. PNC 's customer service channels are consistently unreachable or non-responsive. Since the account has been targeted by fraudulent activity ( XXXX  ) and I can not reach a human representative, closing the account is the only way to prevent future financial loss. The bank is actively preventing me from closing my account in a timely manner. 

My account was overdrawn by {$470.00} on XX/XX/year>. I deposited a check totaling {$470.00} on XX/XX/year> attempting to bring my account positive and to close it. On XX/XX/year> I was charged a {$36.00} overdraft fee due to my account balance being overdrawn by {$0.00}. I had previously requested my account closed and they continued to charge me a monthly fee after I requested closure, again, on XX/XX/year>. This is morally corrupt even if it is legal. These are not the friendly neighborhood bank they claim to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
I got asked more then 8 times since end of XXXX to send my info and I did exactly what they said now they still keep giving me the run around it's been over XXXX months I need results now plz

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I never received any notification from Carter Young about this debt. Its just appeared on my credit report. I am requesting a chain of assignment. Im also requesting all documentation to this account, which includes all transactions, which includes all payments. Ive never received debt validation either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
i have identified information on my report that are result of identity theft these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I did NOT authorize this inquiry, nor did I apply for credit with your organization.

Under FCRA 604 ( a ) ( 2 ) and 607, you must have permissible purpose AND written authorization before obtaining my credit report. 

* * I am requesting the following : * * 1. A copy of the written authorization with my signature, OR 2. Immediate removal of your inquiry from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: PDQ Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the account listed above, which is currently being reported on my consumer credit file by PDQ Services Inc. 
I assert that this account is fraudulent and was not opened or authorized by me. This account is the result of identity theft. I have never done business with PDQ Services Inc. and have no knowledge of this debt. 
The reporting of this fraudulent account has damaged my credit standing, and I demand that it be immediately removed under the protections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically related to identity theft.

Required Action : I request that you investigate this matter immediately and permanently delete this entire entry for Account Number [ Account Number ] from my credit report, as it is a result of identity theft. 
In accordance with Section 605B of the FCRA, as amended by FACTA, I am enclosing the required documentation to substantiate my claim of identity theft.

Please provide me with the results of your investigation within the thirty ( 30 ) day period as mandated by the FCRA. 
Sincerely 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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax because Equifax failed to perform a lawful reinvestigation of my disputes and is continuing to publish inaccurate, unverified, and incomplete charge-off information on my credit report. More than 60 days ago, I disputed the following accounts directly with Equifax : XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX ( Acct # XXXX ), XXXX  ( Acct # XXXX ), XXXX  XXXX ( Acct # XXXX and # XXXX ), XXXX ( Acct # XXXX ), XXXX CARD ( Acct # XXXX ), and XXXX XXXX XXXX XXXX Acct # XXXX ). In my disputes, I specifically requested that Equifax obtain and review the original signed contracts, complete payment histories, itemized charge-off calculations, proof of ownership or assignment where any debt had been sold or transferred ( especially XXXX XXXX as a debt buyer ), and documentation supporting all dates of first delinquency, last activity, balances, and status codes. Instead of providing verification, Equifax sent me a letter implying that my disputes were linked to fraud or a third-party credit repair company, which is a known stall tactic and does NOT extend their investigation timeline under 15 USC 1681i . Equifax then continued reporting these accounts despite providing zero documentation from the furnishers to verify accuracy or compliance. Equifaxs actions violate the Fair Credit Reporting Act, including 15 USC 1681e ( b ) ( failure to ensure maximum possible accuracy ), 15 USC 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and also violate Metro-2 standards requiring consistent, verifiable, and complete data. In addition, several of the furnishers have failed to validate these alleged debts under the FDCPA, 15 USC 1692g ( b ), meaning Equifax is knowingly publishing information that is unverified and may be illegal to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
Beginning in XXXX and continuing through XXXX, several inaccurate, unauthorized, and fraudulent items started appearing on my credit reports across multiple credit bureaus. These include accounts, late-payment notations, and credit inquiries that I did not authorize or open. 

The disputed accounts include : An account reported by a bank in XX/XX/XXXX showing a {$0.00} balance but still being reported as an active negative tradeline. 
An account reported by XXXX from XX/XX/XXXX with a balance of {$1400.00}, which I did not authorize. 
An account reported by XXXX XXXX XXXX  from XX/XX/XXXX with a balance of {$1000.00}, also not authorized. 
An XXXX account opened in XX/XX/XXXX reporting a balance of {$1100.00} and a XXXX late payment, which is incorrect and not authorized. 

In addition, several unauthorized hard inquiries were added to my credit reports on : XX/XX/XXXX ( XXXX inquiries from a major credit card issuer ) XX/XX/XXXX ( a retail jewelry credit inquiry ) XX/XX/XXXX ( multiple inquiries from a mortgage reporting company across different bureaus ) These inquiries were made without my permission and without any application or request for credit on those dates. 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted formal disputes to the credit bureaus. I provided documentation including an identity theft report, evidence of inaccurate reporting, and verification that the disputed items were not authorized. Despite this, several accounts and inquiries continue to remain on my reports without proper verification. 

The credit bureaus have not produced any documentation showing a signed application, contract, IP address, location data, or any form of authenticated authorization supporting these accounts or inquiries. The continued reporting of inaccurate and unauthorized information is affecting my credit profile and violates the accuracy and reinvestigation requirements of the Fair Credit Reporting Act. 

I am requesting that the CFPB require the involved companies and credit bureaus to : Conduct a full reinvestigation of all disputed items. 

Delete any accounts or inquiries that can not be verified with original documentation. 

Correct inaccurate late-payment reporting. 

Provide written confirmation that my credit files have been corrected across all bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
Beginning in XXXX and continuing through XXXX, several inaccurate, unauthorized, and fraudulent items started appearing on my credit reports across multiple credit bureaus. These include accounts, late-payment notations, and credit inquiries that I did not authorize or open. 

The disputed accounts include : An account reported by a bank in XX/XX/XXXX showing a {$0.00} balance but still being reported as an active negative tradeline. 
An account reported by XXXX from XX/XX/XXXX with a balance of {$1400.00}, which I did not authorize. 
An account reported by XXXX XXXX XXXX  from XX/XX/XXXX with a balance of {$1000.00}, also not authorized. 
An XXXX account opened in XX/XX/XXXX reporting a balance of {$1100.00} and a XXXX late payment, which is incorrect and not authorized. 

In addition, several unauthorized hard inquiries were added to my credit reports on : XX/XX/XXXX ( XXXX inquiries from a major credit card issuer ) XX/XX/XXXX ( a retail jewelry credit inquiry ) XX/XX/XXXX ( multiple inquiries from a mortgage reporting company across different bureaus ) These inquiries were made without my permission and without any application or request for credit on those dates. 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted formal disputes to the credit bureaus. I provided documentation including an identity theft report, evidence of inaccurate reporting, and verification that the disputed items were not authorized. Despite this, several accounts and inquiries continue to remain on my reports without proper verification. 

The credit bureaus have not produced any documentation showing a signed application, contract, IP address, location data, or any form of authenticated authorization supporting these accounts or inquiries. The continued reporting of inaccurate and unauthorized information is affecting my credit profile and violates the accuracy and reinvestigation requirements of the Fair Credit Reporting Act. 

I am requesting that the CFPB require the involved companies and credit bureaus to : Conduct a full reinvestigation of all disputed items. 

Delete any accounts or inquiries that can not be verified with original documentation. 

Correct inaccurate late-payment reporting. 

Provide written confirmation that my credit files have been corrected across all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
This XXXXXXXX XXXX  XXXX account is the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number : XXXX Agency : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : 1. Cease all reporting of fraudulent information, 2. Block the account within 4 business days, 3. Stop verifying or furnishing any negative information connected to this account. 

This is a formal cease-and-desist demand. 
XXXXXXXX XXXX XXXX must block, delete, and permanently remove all negative information related to this fraudulent account, including late payments, charge-offs, or derogatory codes. 
Reinsertion is prohibited under federal law. 

XXXX XXXX Police Report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation