vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct 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 non-monetary relief
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AZ

Complaint narrative:
Out of the clear blue there is a XXXX XXXX XXXXXXXX Credit Card being reported on my Transunion credit report. I have disputed this item many times and Transunion refuses to investigate this. I have also made several attempts at contacting XXXX XXXX  XXXX about this. I never had any type of Banking relationship with this Bank and did not open any credit cards.

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 2025-06-02 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: SC

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 XXXX  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 XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 non-monetary relief
Consumer complaint received 2025-06-02 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. I've paid many applications fees for mortgage just to find out that fraudulent accounts are being reported. I have wasted my time and money.

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 2025-06-02 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: KY

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding XXXX accounts : # XXXX and # XXXX. Both accounts were previously deleted from my credit reports following formal disputes. However, months later, XXXX XXXX and/or the credit reporting agencies unlawfully reinserted these accounts without providing the mandatory notice required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). 

The FCRA clearly states that if any previously deleted information is reinserted, the consumer must be notified within XXXX business days. I was never notified. This constitutes a clear violation of federal law and demonstrates willful noncompliance by XXXX XXXX and/or the bureaus. This action has caused harm to my credit reputation and financial wellbeing. 

I am demanding the immediate and permanent removal of both reinserted accounts. If this matter is not resolved promptly, I will pursue legal action under the FCRA for statutory, actual, and punitive damages. 

I urge the CFPB to investigate this unlawful reinsertion and take appropriate corrective and enforcement action against 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 2025-06-02 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: KY

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding XXXX accounts : # XXXX and # XXXX. Both accounts were previously deleted from my credit reports following formal disputes. However, months later, XXXX XXXX and/or the credit reporting agencies unlawfully reinserted these accounts without providing the mandatory notice required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). 

The FCRA clearly states that if any previously deleted information is reinserted, the consumer must be notified within XXXX business days. I was never notified. This constitutes a clear violation of federal law and demonstrates willful noncompliance by XXXX XXXX and/or the bureaus. This action has caused harm to my credit reputation and financial wellbeing. 

I am demanding the immediate and permanent removal of both reinserted accounts. If this matter is not resolved promptly, I will pursue legal action under the FCRA for statutory, actual, and punitive damages. 

I urge the CFPB to investigate this unlawful reinsertion and take appropriate corrective and enforcement action against XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
Case # XXXX Company filed false date of original creditor. Original date was XX/XX/XXXX. 
Charged off by original creditor, XXXX XXXX. 
Collection agency claimed they " could not find me '' until XXXX, however, I have always out a legal change of address when relocating with Post Office.

First contact from collection agency was actually 11 years after original date, not 9 years as they stated.

This company attached my wages beginning XX/XX/XXXX. See attachments. 
This debt was paid in full on XX/XX/XXXX thru wage garnishment. 
I have mailed copies of these paystubs to this company but was completely ignored. I have emailed copies of these paystubs to them and still have not been acknowledged by them.


Even after I sent them proof of payments they went ahead with an " order to extend judgement '' for another 10 years. My family members have been harassed and the latest voicemail that I received threatened to come to my place of employment. Sending attachments for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
They contacted my fathers number ( XXXX ) and disclosed the exact amount they are requesting. I've attached a screenshot of the text they sent him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, I opened a new Virtual Wallet with XXXX XXXX  account with PNC Bank, using the promotional link found on PNC.com. According to the terms of the promotion, you could earn a {$400.00} reward if you make {$5000.00} or more in direct deposits into the account within the first 60 days after opening. On XX/XX/XXXX, I had {$5000.00} direct deposited into the account. According to the terms of the promotion, the Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account 6090 days after all conditions have been met and will be identified as " Credits Check Reward '' on your monthly statement. 



As of XX/XX/XXXX, the promotion had not been paid. 



On XX/XX/XXXX, I submitted an inquiry as to why the promotion had not been paid, and received the response that I had already opened a prior account with the bank. The last four digits of the account they referenced was given. According to my records, that account was closed on XX/XX/XXXX. 



The terms of the promotion clearly state The new account will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 12 months, or if you have been paid a PNC promotional premium in the past 24 months. The timing of opening my current account meets both of those requirements and I should be entitled to receive the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute of Late Payment Request for Proof of Compliance with 15 USC 1666b and 15 USC 1637b I am formally disputing a late payment reported on my credit account by XXXX XXXX XXXX XXXX  According to 15 USC 1666b, creditors are required to send periodic statements with the information specified in 15 USC 1637b. I request that XXXX XXXX BANK provide proof that these periodic statements were sent in compliance with these regulations. 
Specifically, I request the following 1. Proof that the periodic statement containing the required information under 15 USC 1637b was sent to me.

2. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them.

3. Verification that the periodic statement was sent at least 21 days before the payment due date.

4. Proof that a negative information notice was sent regarding the late payment, as required by law.

I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.

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 2025-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Late Payment Request for Proof of Compliance with 15 USC 1666b and 15 USC 1637b I am formally disputing a late payment reported on my credit account by XXXX XXXX XXXX XXXX  According to 15 USC 1666b, creditors are required to send periodic statements with the information specified in 15 USC 1637b. I request that XXXX XXXX BANK provide proof that these periodic statements were sent in compliance with these regulations. 
Specifically, I request the following 1. Proof that the periodic statement containing the required information under 15 USC 1637b was sent to me.

2. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them.

3. Verification that the periodic statement was sent at least 21 days before the payment due date.

4. Proof that a negative information notice was sent regarding the late payment, as required by law.

I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: WA

Complaint narrative:
After vacating a rental property, a outstanding balance was sent to Property Receivables - a debt collector in Washington.

I paid the total amount of {$110.00} immediately. I tried to do it over their website but their website doesn't work. So I called them and did it over the phone. I was given a confirmation number that it had gone through. 

Now it's been 4 months and they are calling me telling them that I owe them {$120.00} and some odd cents. 

So I called them to tell them that I had already paid it. At first the guy told me that it's more than {$110.00} now because of interest. But I already paid the full amount so they shouldn't be charging interest because it's already paid. 

But they're also saying that I didn't pay it. 

So I opened my bank account and looked at my history and I found the original charge for the full amount of {$110.00}. 

Now they're telling me I have to email the proof to them so that they can verify it and take it out of their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. I've paid many applications fees for mortgage just to find out that fraudulent accounts are being reported. I have wasted my time and money.

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 2025-06-02 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. I've paid many applications fees for mortgage just to find out that fraudulent accounts are being reported. I have wasted my time and money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
So the account is reporting as a charge of on my credit, on all 3 reporting agencies, XXXX  XXXX  and XXXX. This company is committing fraud by circumventing the statutory law. Once the balance is reported as charge of is supposed to be not reporting but they're reporting incorrect. Therefore it should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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