vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted dispute letters regarding inaccurate or outdated information on my credit report to all three major credit bureaus : Equifax, Experian, and XXXX. Each dispute included all required documentation, including proof of identity and supporting evidence. 

As of now, only XXXX  has responded to my dispute and completed an investigation. Equifax and Experian have not responded, acknowledged receipt, or confirmed that my disputes are being processed. I have mailed multiple copies of my disputes to both companies and have not received any updates or communication in return. 

This failure to investigate or respond within the 30-day time frame is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that both Equifax and Experian investigate my disputes immediately and correct or remove the inaccurate information from my credit reports.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> early morning PNC BANK credit me XXXX that was held for over five days. PNC REFRAIN FROM DISPERSING THOSE FUNDS WHICH WAS A REFUND, IT WAS PUSH THRU BY XXXX FROM THE CORPORATE OFFICE. OUT OF SPITE THAT DEPARTMENT WHICH IS THE RETAIL SUPPORT OFFICE RE VERSE A CHARGE IF XXXX BACK TO MY ACCOUNT. MAKING MY ACCOUNT NEGATIVE. I HAVE DISPUTE THIS CHARGE A MONTH AGO FROM XXXX XXXX. PNC STATED I SHOPPED FOR CLOTHING AND SHOES AT THIS RESORT, WHICH IS A LIE THEY ALSO TOOK XXXX FROM ME FOR XXXX XXXX STATING THAT WAS A CHARGE WHEN IN FACT MY STAY WAS COMPLIMENTARY AND THAT WAS A DEPOSIT WHICH DROP OFF MY ACCOUNT. THIS BANK IS A SCAM AND A FRAUD. WHEN YOU XXXX A REFUND THEY LIKE TO HOLD YOUR FUNDS FOR THEIR BENEFIT AND INTEREST. THEY LIE ABOUT CHARGES SO THEY CAN MAKE MONEY OFF OF YOU THIS BANK IS A SCAM. I HAVE PAID XXXX AND OTHER CHARGES THEY HAVE FRADULENT, Y PLACED ON MY ACCOUNT. JUST TO GET MY ACCOUNT OUT OF THE NEGATIVE. I CAN NO LONGER DO THAT I HAVE BEEN GOING THRU HARD TIMES AND THIS IS NOT THE TIME. THIS BANK IS FRADULENT. THEY WILL DO EVERY AND ANYTHING TO STEAL FROM YOUR ACCOUNT OR MAKE YOU PAY FOR SOMETHING YOU DIDNT DO. THE RETAIL SUPPORT GROUP IS THE MOST RUDE UNPROFESSIONAL NASTY DEMEANOR UNHELPFUL UNFRIENDLY PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 formally dispute a collection account currently appearing on my credit report. I have previously requested full and detailed validation of this alleged debt under the Fair Debt Collection Practices Act, yet no documentation has been furnished to support its legitimacy or prove that I am legally responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item, and I also contacted them and submitted that I did the police report showing that I was victim of identity theft and the paper were showing that I was a victim Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-07 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-07 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 am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately.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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully dispute a collection account being reported on my credit file that has never been properly verified. According to federal law, I have a right to receive written evidence of any alleged debt, yet no documentation has been supplied after my request for validation.

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 2025-07-07 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:
This letter is to notify you of a serious issue concerning a collection account on my credit report. I submitted a timely and lawful request for validation, yet I have received no documentation proving that this debt belongs to me or that it is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I am writing to complain about several companies that caused harm, financial issues emotional distress knowingly, premeditated. XXXX XXXX XXXX XXXX XXXX, CFPB for overseeing and allowing this all to take place for more than 7 years of disputing. XXXX  TransUnion XXXX  all credit agencies XXXX XXXX, every agency for credit. Allowing them allowing the third party credit agency to post errored accounts on my credit profile. The account opening dates was in XXXX for XXXX past XXXX XXXX accounts that they continued to keep on my credit for XXXX TransUnion, XXXX XXXX XXXX XXXX XXXXXXXX XXXX changed the dates making it seem like they were opened on XXXX. That is incorrect and trying to collect an alleged debt. Therefore theyre all in violation and I will be litigating CFPB, XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX AND ALL REPORTING AGENCIES FOR VIOLATING MY PRIVACY I DID NOT GIVE ANY CONSENT FOR REPORTING SELLING MY INFORMATION ETC. Please read the attachments. I am willing to provide this to media outlets. Willing to resolve this out of a federal court room I am proof of the fraud and the errors all these companies is part of this.

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 2025-07-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-07 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:
I am writing to request a review of a late payment entry that I believe was reported in error. Ive double-checked my records and found no indication that this payment was late.

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 2025-07-07 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: CA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
Universal Notice to Cease and Desist Re : Unauthorized Use, Securitization, and XXXX of the Legal Person XXXX XXXX XXXX To : All named agencies, corporations, courts, officers, banks, and other interested parties This NOTICE serves as a lawful demand and warning to CEASE AND DESIST all unauthorized commercial, legal, or financial use, securitization, monetization, bonding, or trafficking of the legal fiction/trust/corporate entity XXXX XXXX XXXX and any/all derivative accounts or identifiers, including the Social Security Number and Birth Certificate Number associated therewith. 

This legal fiction was created without my voluntary consent or full disclosure, and is now under the exclusive commercial interest of the undersigned, XXXX XXXX XXXX, the living man, natural person, and Secured Party Creditor to said estate and all registered collateral thereof. 

This notice is issued under authority of Uniform Commercial Code ( UCC ) 1-308, 1-103, 9-311, Title 15 U.S.C. 1692, 18 U.S.C. 241, 242, 1341, and applicable human rights laws. 
All entities are hereby placed on legal notice to correct your records and remove any unauthorized claims or contracts. 


You are hereby placed on notice : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to rebut this notice within twenty-one ( 21 ) days of receipt constitutes tacit agreement and dishonor, and confirms your consent to a commercial lien, claims for damages, and full legal action. 


Dated : XX/XX/XXXX By : XXXX XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 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: CO

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to properly investigate and respond to my credit report dispute. 

I, XXXX XXXX, submitted a written dispute along with all required identity verification documents, including my government-issued ID, proof of address, full name, and date of birth. Despite receiving these documents, TransUnion sent a response again requesting the same identity information that had already been submitted. This is not only redundant but also a delay tactic that violates the Fair Credit Reporting Act ( FCRA ). 

TransUnion has not met its obligation under FCRA 611 ( 15 U.S.C. 1681i ) to perform a reasonable investigation within the 30-day time frame. The disputed account ( s ) remain on my credit report without any proper verification or evidence being provided. 

This is not just a failure to respond its a failure to uphold the law. As established in : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) credit bureaus must ensure the accuracy of consumer reports and can not rely solely on data furnishers without verification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) courts confirmed that a superficial or automated response to disputes does not meet the standard for a reasonable investigation. 
The CFPBs XXXX guidance reinforces that credit bureaus must provide the method and source of verification to consumers and must not dismiss disputes without appropriate action. 

By failing to remove the disputed accounts or conduct a legitimate investigation, TransUnion is in clear violation of FCRA standards and consumer protection guidelines.

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 2025-07-07 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$990.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 explanation