vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
Im a victim of identity theft i disputed directly with credit bureaus. Showed proof of FTC and supporting documents below are the attached accounts affecting my credit report please remove and block these fraudulent accounts from my report XXXX ( account # XXXX ) totaling {$27000.00} XXXX XXXX XXXX  ( account # XXXX ) totaling {$270.00} XXXX  ( account # XXXX ) totaling {$6100.00} XXXX XXXX XXXX ( account # XXXX ) totaling {$2600.00} XXXX XXXX ( Account # XXXX ) totaling {$460.00} XXXX ( account # XXXX ) totaling {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I am requesting the late reporting from XXXX be removed from my credit report due to the CARES 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 2025-11-10 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: OH

Complaint narrative:
Recently, I identified that there was some incorrect information on my credit profile, Experian, Equifax, TransUnion is reporting inaccurate information concerning my credit profile, XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
Recently, I identified that there was some incorrect information on my credit profile, Experian, Equifax, TransUnion is reporting inaccurate information concerning my credit profile, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITOR NAME is a debt collector. They are falsely reporting on my credit!! Account number XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
Subject : Formal FCRA Dispute Inaccurate Reporting by XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Dear Dispute Department, I am writing to dispute inaccurate and inconsistent information being reported by XXXX XXXX  on my credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), including XXXX, XXXX ( b ), and XXXX, which require credit bureaus to ensure maximum possible accuracy in the information they maintain and to reinvestigate disputed items upon notification. 
Disputed Account Information Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Type : Auto Loan Account Status : Derogatory / Charged-Off The information reported by XXXX XXXX appears inconsistent and inaccurate across all three credit bureaus : XXXX  reports repeated CO charge-offs for several months. 
Equifax reports multiple OK ( current ) payments during those same periods. 
XXXX  omits payment history and lists a different Past Due amount. 
The High Credit, Date Opened, and Date Last Active fields do not match between bureaus. 
These inconsistencies make the account data unreliable and unverifiable. Therefore, under FCRA XXXX ( a ) ( XXXX ) ( A ), I request that your agency : Conduct a complete reinvestigation of the XXXX XXXX  account ; Verify the accuracy of all data furnished by XXXX XXXX ; Delete or correct any inaccurate or unverifiable information ; and Provide me with written confirmation of the results within XXXX  days. 
If the furnisher fails to verify the account information with documented evidence, this item must be deleted from my credit file under FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company not only refuses to verify any information but continues to harass me even after I have submitted disputes and XXXX I repeat to cease and desist orders not only over the phone but also through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX reported the account ) ChexSystems XXXX XXXX ( XXXX XXXX XXXX  ) Account Information Account Ending : XXXX Type of Issue Credit reporting / ChexSystems / Inaccurate reporting Complaint Details I am submitting this complaint regarding inaccurate reporting on my ChexSystems report. XXXX  XXXX XXXX reported my account ending XXXX as suspected fraud. According to ChexSystems own report, the account is closed with no monetary loss, yet it continues to be reported as fraudulent. 

I contacted XXXX  XXXX XXXX to request an investigation or reinvestigation of this issue. XXXX  XXXX XXXX refused to investigate or reinvestigate, leaving the inaccurate reporting unresolved. This is inaccurate, misleading, and severely impacting my ability to open bank accounts and access financial services. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and XXXX, consumer reporting information must be accurate, complete, and up to date, and agencies are required to investigate and correct disputes in a timely manner. Reporting my account as suspected fraud when there is no basis for that designation violates these provisions. 

Steps Taken XXXX. Sent a formal escalation letter to XXXX  XXXX XXXX requesting correction/removal ( attached ). 
XXXX. Sent a formal escalation letter to ChexSystems requesting correction/removal ( attached ). 

Desired Outcome Immediate correction or removal of the suspected fraud entry from ChexSystems. 
Written confirmation that the reporting has been corrected.

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 2025-11-10 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
A vet clinic sent a refund to the incorrect card I had on file. This resulted in a - {$1000.00} credit balance on a credit card. I called the credit card company and asked for a check to be issued to me in the negative credit limit amount. They said I would get it within XXXX business days. This was all on XX/XX/year>. On XX/XX/year> I called to see where the check was. They said it was not yet issued and could take up to 45 days. I then reminded them federal law is 7 days with an additional 15 days to get the check to me. They have a case open but have refused to issue me the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I made my payment of {$100.00} to Capital One as usual. I am not set up for auto pay yet on XX/XX/XXXX they took a second payment from my bank account for {$100.00}. I live on a fixed income, I am XXXX due to an accident that lead to XXXX XXXX XXXX. The money they took the second time is the money to pay my car insurance. I called them and was told they can not refund the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to raise a serious concern regarding Citi Bank. I currently have an account with them, but every time I try to transfer my own funds, I face repeated issues. 

Most recently, I attempted to transfer money from my Citi Bank account to my XXXX XXXX account, and my Citi account was suddenly blocked. When I contacted customer service, I was told the account was under investigation, but no one could explain why. The representatives simply ended the call after saying they couldnt provide further details. They always rude about it as if the customer did something bad. 

This is not the first time this has happened, its the second or third occurrence, and its both frustrating and embarrassing. I live in a state without a Citi Bank XXXX, which makes resolving this even more difficult. 

Citi Bank must be held accountable for these repeated disruptions and lack of transparency. I respectfully request that my account be restored immediately.

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 2025-11-10 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: AL

Complaint narrative:
I submitted multiple disputes and identity theft documentation to Experian, including a sworn statement and a law enforcement identity theft report. Experian continues to report fraudulent and inaccurate items and has refused to delete them. Experian went so far as to say my temporary police report was inadmissible because it was temporary. 
Fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Bank, both associated with identity theft and unauthorized addresses ( XXXX XXXX XXXX XXXX, XXXX FL and XXXX XXXX XXXX, XXXX GA ). Despite valid identity-theft proof, Experian has refused to block these accounts as required by FCRA XXXX. 

Experian also continues to report inaccurate and unverifiable tradelines : XXXX XXXX XXXX ( reinserted after deletion ) and XXXX, XXXX ( unverified, previously deleted, still reporting ). This violates FCRA XXXX and XXXX ( b ). 
Experian repeatedly issued verified results in less than XXXX hours without producing any documentation, demonstrating no reasonable reinvestigation. These actions constitute willful noncompliance under FCRA XXXX. 
I am requesting the CFPB compel Experian to permanently delete all fraudulent and inaccurate items, remove the associated fraudulent addresses, and provide written confirmation of deletion. Supporting documentation attached : police report, sworn statement, Experian responses, report screenshots, and certified mail evidence.

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 2025-11-10 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: LLOYD'S PLAN, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  I have filed XXXX  XXXX bankruptcy. With the state of XXXX  they are illegally reporting on my bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contacted all XXXX credit bureaus all have been asked if you file for bankruptcy chapter XXXX and then withdraw the bankruptcy voluntarily If you have an account such as a car note that had nothing to do with the bankruptcy filing.the account is active and I have never stopped paying nor have I ever been late. This loan is active until next year. Should this be reporting to all credit bureaus they all told me yes. They told me to contact GE. The part I dont understand how are you getting all payments on time but not reporting an active account to the credit bureau.I get a letter stating Im still responsible of course I am. I have never stopped paying and have never been late. The loan has payments up until next year.

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 2025-11-10 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: NY

Complaint narrative:
I am submitting this statement to dispute certain accounts on my credit report that I believe are inaccurate. I request that these items be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a list of the accounts I am disputing, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Inquiries : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX  FCU Account Number : XXXX XXXX  XXXX AUTO Account Number : 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 2025-11-10 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: MS

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Purchased merchandise via XXXX XXXX. XXXX XXXX, XXXX lights for unlit spaces. Total {$36.00}. On XX/XX/year>, XXXX posted {$47.00} via XXXX as XXXX XXXX XXXX. 
Emails stating merchandise in XXXX. Responded back to email several times advising overcharge by {$11.00} and credit full amount, cancel order. 
XXXX issued {$11.00} credit. XXXX never responded to my request except the email that order in XXXX. 
On XX/XX/year> filed Reg E for {$47.00}, citing cancelled order, overcharge and suspect merchant fraudulent. PNC sent resolution letter stating {$11.00} credit Resolved the dispute. Responded to PNC providing information as stated above. Dispute escalated to Executive office. Spoke to XXXX, XXXX, explained situation and requested {$36.00} difference, This is a foreign transaction, my account charged fee. {$.00} so Refund {$38.00}. XXXX was not agreeable to my request and advised it was still XXXX investigation. Reminded of 10 day provisional credit but XXXX said it did not apply. Yes it does. Further, chargebacks on foreign disputes have a dollar amount threshold due to cost to PNC by Processor. Have not received credit or response. 
Info about the company advised is was a suspected fraud/scam. 
Too much time to resolve this minimal amount dispute.

Company response to consumer: Closed with explanation