vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
In XXXX XXXX XXXX I was a victim of identity theft and accounts where opened in XXXX  with XXXX XXXX I contacted them and reported the issue with TransUnion and was told the debts where resolved and I was not responsible for it but it remains on my credit report

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries appearing on my credit report. I did not apply for credit or authorize these companies to pull my credit, and these inquiries are negatively impacting my credit profile without my consent. 

The following inquiries are in question : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report to a person that it has reason to believe has a permissible purpose. I did not grant such permission to these companies, and as such, these inquiries appear to be in violation of federal law.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am submitting this formal complaint against PNC Bank for unfair lending practices and possible disability-based discrimination regarding my recent application for a personal loan.

I applied for a loan to cover urgent moving expenses due to unsafe living conditions at my current residence. My rental history is strong, and my current income from self-employment and assistance programs is verifiable.

My credit histo

ry was in good standing prior to my voluntary co-signing of a vehicle loan for my son, who required reliable transportation for employment. PNC Bank initially accepted my credit to approve the co-signing, acknowledging my creditworthiness at that time. However, following the co-signing, my debt-to-income ratio increased, and despite my continued ability to meet financial obligations, PNC Bank denied my loan application based solely on rigid credit sc oring and ratio standards without individualized consideration of my actual ability to repay or my disability-related hardships. Uniform Commercial Code, UCC Article 1 1-304 ( Good Faith and Fair Dealing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist bank Opened a new business account with them. XXXX of the XXXX deposited checks bounced back. They placed a hold on my account and started a fraud claim. They requested I contact the XXXX banks and get verification that checks wont bounce. I called both banks and they stated they wont disclose anything in writing. When I called Truist on XX/XX/year> to rely message. They stated they will make a note to analyst and I cant speak with them directly. I also mentioned that these XXXX checks were deposited into my personal Truist account back in XXXX. I called again for an update on XX/XX/XXXX. They stated the case was closed and the XXXX checks that did cash are being held in a recovery account and without a release date and are being held and definitely.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a collection entry that has appeared on my credit report regarding a {$510.00} balance from my pets visit to XXXX XXXX. I contacted the hospital directly and was informed that I could make payments toward the remaining balance. I followed through and paid the full amount as instructed. Despite this, the account was reported to collections, which I believe is an error and unfairly impacts my 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 2025-04-29 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: TX

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In line with the Consumer Financial Protection Bureau ( XXXX  ), Regulation XXXX, XXXX XXXX XXXX XXXX hard query on my credit report and These following debt ( XXXX ) MUST be removed a total sum {$65000.00} which have impacted my credit report negatively

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 2025-04-29 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: Credit Karma, LLC
State: GA

Complaint narrative:
Hi Credit Karma is not authorized by me to run a Soft Credit Inquiry without my permission. I dont not have an account with them and they continue to do this .i have made several complaints to them and they refuse to stop. They dont not have my written authorization to check my credit file at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: UT

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 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 2025-04-29 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: SC

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 2025-04-29 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to investigate consumer disputes, citing sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that failed to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian provided me with a consumer personal information report in which it proves they do not verify who is trying to use my Social Security number. They have failed at doing what they are supposed to do and that is report accurate personal information and consumer information. They just hurry up and report anything and dont check to make sure that it is the actual person using their own information. I specifically asked them for all documentation for all accounts. They have listed on my credit report and consumer information. I asked for specifically wet signature, pages, titles of ownership of accounts, agreements, and removal of late payments and other information that is posted on my consumer and credit profile that was not supposed to be reported during the XXXX pandemic

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 2025-04-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the following accounts listed on my Experian credit report : XXXX XXXX XXXX ( {$530.00}, Acct : XXXX ), XXXXXXXX XXXX XXXXXXXX ( {$410.00}, XXXX : XXXX ), XXXX XXXX XXXX ( {$1300.00}, XXXX : XXXX ), and XXXX XXXX XXXX ( {$1900.00}, Acct : XXXX ). These accounts have been charged off by the original creditors, and I have not received a 1099-C form from the IRS, which is typically issued when a debt is canceled. Given that these debts appear to be resolved without proper cancellation documentation, I respectfully request that they be removed from my credit report as they are unfairly impacting my credit standing. Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts listed on my Experian credit report : XXXX XXXX XXXX ( {$530.00}, Acct : XXXX ), XXXXXXXX XXXX XXXXXXXX ( {$410.00}, XXXX : XXXX ), XXXX XXXX XXXX ( {$1300.00}, XXXX : XXXX ), and XXXX XXXX XXXX ( {$1900.00}, Acct : XXXX ). These accounts have been charged off by the original creditors, and I have not received a 1099-C form from the IRS, which is typically issued when a debt is canceled. Given that these debts appear to be resolved without proper cancellation documentation, I respectfully request that they be removed from my credit report as they are unfairly impacting my credit standing. Thank you for your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account Showing Late Payment Remarks when it ; s not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX INQUIRIES XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX 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 XXXX as proof from the US 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 explanation
Consumer complaint received 2025-04-29 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: DC

Complaint narrative:
Dear Experian, I am writing to formally dispute the inaccurate reporting of a collection account from XXXX XXXX XXXX XXXX XXXX ; XXXX, listed on my credit report with a past-due amount of {$1000.00} as of XX/XX/year>. After thoroughly reviewing my credit report, I have identified this entry as incorrect and fraudulent in which the item needs to be removed from credit report immediately Specifically, I never received a Form 1099-C ( Cancellation of Debt ) or any documentation related to this account. The absence of this required documentation raises significant concerns about the accuracy and legitimacy of this reporting.

Additionally, I did not authorize or acknowledge any debt resolution that would have led to this collection. The reporting of this account as past due is inaccurate and constitutes an ongoing error. As such, I am requesting that you take the following actions immediately : 1. Conduct a thorough investigation into this account and its reporting.

2. Verify the accuracy of the collection details with XXXX XXXX XXXX XXXX XXXX ; XXXX. 
3. Provide documentation or evidence that supports the legitimacy of this account as currently reported.

If the reporting entity can not validate the accuracy of this information, I request that this collection account be promptly removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days and provide me with the results of your investigation.

Failure to address this dispute adequately will leave me no choice but to pursue legal action for statutory damages as permitted under the FCRA. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities if necessary.

I appreciate your prompt attention to this matter and expect confirmation of receipt of this dispute. I also look forward to a resolution within the legally mandated time frame. Please contact me at the address or phone number listed above if you require any additional information. 
Sincerely, XXXX XXXX. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I am i victim of identity theft. Some has used my social and id to open up credit card accounts and loans. I never gave anyone authorization or permission to open the accounts. Im not able to get a good job with this negative credit situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I am i victim of identity theft. Some has used my social and id to open up credit card accounts and loans. I never gave anyone authorization or permission to open the accounts. Im not able to get a good job with this negative credit 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 explanation