vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In reference to complaint XXXX, this is an amendment -- " Amendment - Verification Harassment Pattern '' Content : " I am providing additional information to complaint # [ number ]. After filing my original complaint, PNC has engaged in systematic verification harassment : * * Excessive Verification Requirements : * * Phone representatives now demand ALL of the following on top of the text verification code 1. Full 16-digit debit card number 2. Full account number 3. Current driver 's license number 4. Previous Virginia driver 's license number 5. Specific branch where account opened ( 2015 ) 6. Full address 7. Complete SSN 8. Date of birth 9. Yesterday 's cash withdrawal amount 10. Full email address * * This is Retaliation : * * - Standard verification requires 2-3 items - No legitimate security purpose for 10 items - Pattern began AFTER CFPB complaint filing - Designed to prevent legitimate inquiries about wrongful closure - Creates impossible barriers to basic customer service This harassment pattern proves PNC 's systematic retaliation for exercising my consumer rights I to filing dispute for theft of funds based on my police reports. 


Questions for PNC * * About Their Verification Policy : * * 1. " What is PNC 's standard verification procedure for existing customers? '' 2. " How many pieces of information does PNC typically require to verify identity? '' 3. " Can you provide me with PNC 's written verification policy? '' 4. " Why do I need 10 pieces of information when other customers need 2-3? '' * * About the Excessive Requirements : * * 5. " What security purpose does requiring my 2015 branch opening location serve? '' 6. " Why do you need my previous out-of-state driver 's license number? '' 7. " How does yesterday 's cash withdrawal amount verify my identity? '' 8. " Why is my 16-digit debit card number required for phone verification? '' * * About Timing and Retaliation : * * 9. " When did PNC change its verification requirements for my account? '' 10. " Did these requirements change after I filed my CFPB complaint? '' 11. " Are these excessive requirements applied to all customers or just me? '' 12. " Is this retaliation for filing regulatory complaints? '' * * About Training and Consistency : * * 13. " Who trained your representatives to require 10 pieces of verification? '' 14. " Is there a supervisor who can verify calls with standard requirements? '' 15. " Can you document in my file that normal verification should be used? '' 16. " I want written confirmation of PNC 's actual verification policy '' 17. " Please note in my file that excessive verification is harassment '' 18. " Can you transfer me to someone who follows normal procedures? '' 19. " Are you confirming that PNC requires 10 pieces of information from all customers, or is this special treatment because of my dispute filing?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
There is a a creditor and a collection agency reporting the same account I have requested dept validation from the collection agency and they send me partial proof which isnt enough I have also requested that the creditor report the dept properly it is a closed account but it dont indicate that the account was transferred to the collection agency and it reports 2 different balances which makes both reports inaccurate

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 2025-05-30 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: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX. The name of the original creditor. 
XXXX. The amount of the alleged debt, including any interest, fees, or other charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. The chain of title of the alleged debt ( documentation that proves they have the right to collect ).

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 2025-05-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-05-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a account that is being reported with the incorrect start date the account is time barred as per XXXX XXXX state statue of limitations for credit reporting I have requested dept validation from the collection agency they have not fully validated the dept properly

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 2025-05-30 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 am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there that are inaccurate. Under 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately XX/XX/XXXXXXXX accounts, XXXXXX/XX/XXXX{$1900.00},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 explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXXXXXX 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 XXXXXX/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 2025-05-30 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: MA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-05-30 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: CA

Complaint narrative:
Closed Late Payment ( Equifax ) XXXX - XXXX * * * * - XX/XX/year> - Account Balance & Past Due : {$0.00} Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while o

thers may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Transunion consumer XXXX XXXX XXXX, XXXX, PA XXXX Subject : formal dispute regarding inaccurate information on my credit report. 

XXXX writing formally to dispute inaccurate information on my credit report that I believe is Harming my financial well-being. 
XXXX aware of my rights on the Fair Credit Reporting act, and I request an investigation into these inaccuracies as required by law Recently, The Consumer Financial Protection Bureau file lawsuit against XXXX XXXX  Transunion for his failure to properly investigate consumer dispute, an investigation, and order on unlawful practice, these practice as outlined by the CFPB included :

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 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to formally dispute the validity and legality of the debt currently being reported to the credit bureaus under the name Genesis Credit Management LLC, allegedly related to my former residence atXX/XX/XXXX 
Background : I vacated the premises due to unsafe and inhabitable living conditions, which posed a direct threat to the health and safety of both me and my toddler. 

I paid all rent on time during the duration of my lease. 

I properly notified the apartment management of my intent to vacate and the reasons behind the move. 

I do not owe any outstanding balance. 

The original amount alleged has now tripled, indicating unjust accumulation of fees and possibly illegal collection practices. 

Dispute and Legal Grounds : This debt is inaccurate, unauthorized, and in violation of my consumer rights under the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy of this debt. You are required to conduct a reasonable investigation and remove any unverifiable or inaccurate information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692e Per 1692c ( c ), this letter serves as a formal Cease and Desist. You are to cease all communications with me regarding this alleged debt.

Per 1692e ( 8 ), reporting false or disputed debts to a credit bureau without proper investigation or verification constitutes deceptive and illegal behavior. 

State Habitability and Tenant Rights Laws It is illegal to hold tenants financially responsible for breaking a lease when a unit fails to meet basic living and health standards, especially when a childs welfare is at risk. This falls under the implied Warranty of Habitability, recognized in most state landlord-tenant laws.

Action Demanded : Immediately cease all collection efforts and remove this account from all credit reporting agencies ( XX/XX/XXXX). 

Provide complete documentation validating the origin and legality of this alleged debt, including a copy of the original signed lease, accounting records, maintenance records, and proof of any balance owed ( none exists ). 

Correct or delete any inaccurate information you have furnished to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : 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 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts CAPITAL XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-05-30 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:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : 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 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts CAPITAL XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief