vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-09 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: TX

Complaint narrative:
Subject : Complaint Regarding False Credit Reporting by XXXX  XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX  XXXX XXXX regarding an inaccurate late payment reported to the credit bureaus that has significantly harmed my credit. The item in question is a {$39.00} late payment dated XX/XX/scrub> 2025, which I strongly dispute. 

I had established automatic monthly payments on my account and reasonably believed they were being processed. On XX/XX/year>2025, I received a letter from XXXX  XXXX XXXX stating that my account was past due. When I called, I was told that something had unintentionally occurred in their system, my recurring payment had been canceled, and I needed to re-enroll. At my request, my online account access ( which had not been working ) was restored, and I immediately paid the balance in full. 

Later, XXXX XXXX notified me by email that a negative mark from XXXX  XXXX XXXX had been reported, potentially affecting my credit for seven years. I contacted XXXX  XXXX XXXX again on XX/XX/year>2025 and was given conflicting explanations : first that reporting only occurs after a second past-due payment, then that their new system required manual re-enrollment. They also claimed I had been notified by mail or email, but I never received any notice. 

I asked XXXX  XXXX XXXX to contact the credit bureaus directly to correct their error, but they told me they could not and that I must reach out to Experian myself. This places the burden of their system failure on me, which is both unreasonable and unfair. 

This situation was entirely outside of my control, not due to negligence, and has severely damaged my credit history. I can not and should not be forced to suffer lasting consequences because of XXXX  XXXX XXXX mistake. 

I respectfully request the CFPBs intervention to compel XXXX  XXXX XXXX to correct this false report and notify all credit bureaus immediately. Attached please find Proof of payment for your reference. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Cell : ( XXXX ) XXXX Email : 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unacceptable that I keep finding accounts on my credit report that I never opened or authorized. I was not notified when these were added, and the reporting is inconsistent across all three bureaus, which makes the situation even more suspicious and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This card was opened on XX/XX/XXXX without my knowledge. Ive disputed and also report identity theft across all credit bureaus. I also put in an identity theft report with FTC. This account is inaccurate and not my residence address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-09 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:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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 ( FTC Number ) XXXX 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 2025-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My wife and I opened an account with PNC in XXXX of 2025. We deposited her paycheck from XXXX XXXX ( she works for XXXX ) and the check was sent back because her job made an error and had to issue her a new check. 

Because of this, they closed our account without bothering to reach out to us in any way to ask what happened or to hear our side of the story. We only found out because our debit cards disappeared off the app. 

I called their customer service and they redirected me to retail fraud who was both rude and useless. They told me to call when * my * paycheck posted on the XXXX of XXXX and they would release the $ XXXX so I could go into a branch and get the cash. They refused any kind of account help and again, she was insanely rude. 

Called today after it posted since they are closed on the weekend. Was told I now can't go into a branch for cash because they issued a cashier 's check, again, against my will and without informing us in any way. 

She then, after being super rude AGAIN, told me I could go to the branch and get a stop payment placed on the check and get cash. 

I went into the branch and they said they couldn't do that and would have to wait for the check that comes in XXXX BUSINESS DAYS. MY PAYCHECK FOR THE XXXX WON'T BE AVAILABLE TO ME UNTIL THE XXXX. 

I have bills due and PNC couldn't care less about that or their customers. Now I'll miss payments because they did an account closure without my knowledge or consent, did a cashier 's check without my knowledge or consent, and then LIED TO ME about resolving the issue. It's obvious they're about passing the buck and denying me mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding several inaccuracies in my credit report that have negatively impacted my credit score. After reviewing my credit report, I have identified the following discrepancies and believe they are being reported incorrectly or unfairly. These issues violate the Fair Credit Reporting Act ( FCRA ), and I request immediate correction. 

Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX  As per FCRA 607 ( b ), all information reported must be accurate, and FCRA 605 ( a ) requires outdated or incorrect information to be removed. FCRA 605 ( c ) mandates that reporting agencies correct disputed information. Despite this, my incorrect address has been continuously reported, which I believe is a clear violation of my rights under the FCRA. 

Charge-Off : XXXX XXXX XXXX Balance : {$230.00} Last Activity : XX/XX/XXXX This account is showing inaccurate last activity, as it conflicts with other reporting bureaus. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate information. Additionally, FCRA 605 ( a ) dictates that charge-offs should remain on the report for no more than XXXX years from the first delinquency date. I am requesting that this charge-off be corrected to reflect the proper activity. 

Charge-Off with More Than {$600.00} : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$800.00} Last Activity : XX/XX/XXXX The IRS Form 1099-C issued for this account shows that the balance above {$600.00} was forgiven, making the reported balance inaccurate. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate data, and FCRA 605 ( c ) requires that canceled debt be reported correctly. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) provides the right to dispute any inaccuracies. I request the balance be corrected to reflect the debt cancellation. 

XXXX XXXX : XXXX XX/XX/XXXX This inquiry was made without my authorization. Under FCRA 604 ( a ) ( 3 ), an inquiry must have a permissible purpose to be valid. Since I did not authorize this inquiry, it is a violation of my rights under the FCRA. I request that this inquiry be immediately removed. 

I respectfully request that you investigate these issues and take appropriate action to correct them as outlined in the FCRA. I also request that I be notified in writing of the outcome of your investigation and that an updated copy of my credit report, reflecting the corrections, be sent to me once these issues are resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding several inaccuracies in my credit report that have negatively impacted my credit score. After reviewing my credit report, I have identified the following discrepancies and believe they are being reported incorrectly or unfairly. These issues violate the Fair Credit Reporting Act ( FCRA ), and I request immediate correction. 

Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX  As per FCRA 607 ( b ), all information reported must be accurate, and FCRA 605 ( a ) requires outdated or incorrect information to be removed. FCRA 605 ( c ) mandates that reporting agencies correct disputed information. Despite this, my incorrect address has been continuously reported, which I believe is a clear violation of my rights under the FCRA. 

Charge-Off : XXXX XXXX XXXX Balance : {$230.00} Last Activity : XX/XX/XXXX This account is showing inaccurate last activity, as it conflicts with other reporting bureaus. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate information. Additionally, FCRA 605 ( a ) dictates that charge-offs should remain on the report for no more than XXXX years from the first delinquency date. I am requesting that this charge-off be corrected to reflect the proper activity. 

Charge-Off with More Than {$600.00} : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$800.00} Last Activity : XX/XX/XXXX The IRS Form 1099-C issued for this account shows that the balance above {$600.00} was forgiven, making the reported balance inaccurate. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate data, and FCRA 605 ( c ) requires that canceled debt be reported correctly. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) provides the right to dispute any inaccuracies. I request the balance be corrected to reflect the debt cancellation. 

XXXX XXXX : XXXX XX/XX/XXXX This inquiry was made without my authorization. Under FCRA 604 ( a ) ( 3 ), an inquiry must have a permissible purpose to be valid. Since I did not authorize this inquiry, it is a violation of my rights under the FCRA. I request that this inquiry be immediately removed. 

I respectfully request that you investigate these issues and take appropriate action to correct them as outlined in the FCRA. I also request that I be notified in writing of the outcome of your investigation and that an updated copy of my credit report, reflecting the corrections, be sent to me once these issues are resolved.

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 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Between XXXX and XXXX, I made several payments with my credit and debit cards to a company called XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. ). 

At that time, I trusted the companys representations. However, the fraudulent nature of this company only became clear after regulators and victims began reporting it publicly, which is why I could not file a timely dispute with my bank at the time of the transactions. 

When I contacted my bank in XXXX to request help, I was told that the transactions were too old ( the most recent being in XXXX ) and that they could not provide assistance. 

I have already reported this case to the FTC, CFTC, and FBI, but I believe my bank should still be required to review the case and provide consumer protections, especially since this was a clear case of fraud and consumer deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
On XX/XX/XXXX I entered an agreement with a debt consolidation company. In XX/XX/XXXX they reached an agreement and settled the debt owed. On or about XX/XX/XXXX the debt was paid in full and i have letters to prove it. On or about XX/XX/XXXX comenity bank sold a bulk of debt to XXXX XXXX XXXX. Now im getting sued for a debt thatwas already paid and settled for with the original creditor. Deity all the compelling XXXX that I paid the debt the attorney lied to judge and said our documents were fake. Yet Gurstell Law Firm representing XXXX XXXX XXXX redacted all the Information so its quite possible le they are faking it which means they got a judgement which is under appeal Furthermore, gurstel law firm called our debt consolidations company pretending to be me and submitted documents that were never tendered in court or to Defendants. We received an email marked " XXXX '' informing me about the documents and pretending to be me to gain unauthorized access. 

I just hired an attorney to deal with this company and their legal shannighans. I also rounded up XXXX other people in XXXX XXXX and we are proceeding with a federal filing on XXXX XXXX XXXX and Gurstel law firm

Company response to consumer: Closed with explanation