vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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, Date Opened : XX/XX/XXXX, Balance : {$800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I formally dispute the reporting of certain accounts that lack my authorization. Please perform a rigorous review and delete these entries. Supporting materials are included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MO

Complaint narrative:
I am filing this complaint because both XXXX  and Experian are inaccurately reporting a charge-off on my credit file, which violates my rights under the Fair Credit Reporting Act and has caused ongoing harm. 

The account in question is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/year> {$12000.00} This account is being reported as a charge-off, yet the reporting is inconsistent, misleading, and does not accurately reflect the true history or current standing of the account. The FCRA requires that consumer reporting agencies maintain maximum possible accuracy in the information they provide, but this listing does not meet that standard. Reporting an account as a charge-off when the details are not verifiable or when the information is being presented in a way that misleads lenders into believing I defaulted undermines the fairness and accuracy of my credit file. 

Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Section 611 requires disputed information to be promptly investigated and corrected or deleted if it can not be verified. The charge-off being reported here can not be properly verified and continues to reflect negatively on my credit despite multiple attempts on my part to address it. 

The presence of this charge-off is not only inaccurate but is also materially harmful. It lowers my credit score, damages my reputation with lenders, and directly affects my ability to obtain affordable credit and financial stability. The law exists to prevent exactly this type of unfair damage from inaccurate reporting, yet Experian and XXXX  have allowed this derogatory item to persist.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am filing a complaint regarding PNC Banks mishandling of my accounts and funds. 
PNC closed my first account ending in XXXX after it was compromised. 
I then opened a new account ending in XXXX to continue receiving deposits. 
PNC has now placed a closure on my new account ( XXXX ), but my direct deposit was already posted there. 
Instead of making those funds available to me or returning them to the sender, PNC transferred my direct deposit into my old, closed, compromised account ( XXXX ) without my authorization or consent. 
This raises serious concerns : PNC closed my new account before fully closing the old one, which created confusion and mishandling of my funds. 
Transferring money into an account that was already closed and compromised violates proper banking practices. 
I was not notified, did not authorize this transfer, and still can not access my funds. 
These actions have caused me financial hardship and may represent violations of consumer protection and banking regulations related to account closures and the handling of customer funds.

I respectfully request that the CFPB investigate PNC Banks actions, require them to release my funds immediately, and provide a full explanation of why my deposit was mishandled. 
I received a letter in the mail from PNC stating that my new account ending in XXXX will be closed on XX/XX/2025 so why is my account already closed now. I was told it was closed on XX/XX/2025. Why would they transfer my direct deposit to the account ending in XXXX that was already supposed to be closed why is that compromised account still even open!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Caribou Financial, Inc.
State: NY

Complaint narrative:
Caribou -Deceptive loan practices I was approved for a used car refinance with Caribou. After several attempts asking about fees I received nothing. Also, the rate they quoted was far from what XXXX XXXX had indicated. They were quite disorganized and pushy, with several agents calling me about my file and wanting to close the deal. 
Subsequently, I decided to investigate different lenders-DESPITE the fact I was approved. I didn't trust Caribou at that point. 

Today, I received a letter form XXXX informing me that even though I have a XXXX credit score, excellent payments and income etc., they were unable to approve my application. 

This is a retaliatory tactic because I didn't use them as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
I used the transfer service 'remitly.com ' to send several international transfers between my home US based checking account to two separate accounts my spouse and I own at XXXX XXXX  in XXXX. This worked successfully for four transactions to each account for a total of eight successful transactions. Each one arrived as a deposit from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, which I assume is a partner bank they use for transfers. 

I made three additional transfers after the successful ones, two on XX/XX/year> and XXXX on XX/XX/year>. Those deposits never arrived. I have contacted Remitly numerous times via their website live chat feature and via email ( XXXX ) and they have failed to provide a resolution. I have provided proof that the deposits have not arrived in multiple formats and they have asked me to wait for days or hours each time I've contacted them. It's starting to look like this company is using its clients as a source of interest free short term loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
I was on XXXX and was looking to purchase some shoes that someone had promised me on XXXX they made me go to XXXX and then cashapp to send my payment of an inital XXXX $ which came in XXXX transactions he then said he needed XXXX $ for shipping fees, he then texted me saying he needed more money for insurance on my package that then i knew was a scam. He started saying vulgar things and refused to pay my money back. I contacted Cashapp and they are no help and do not seem to care at all and offer no money. This account was already flagged as potential scam but nothing happened still.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX pm, My friend sent me {$440.00} through XXXX from his XXXXXXXX XXXX  account. He received the confirmation that the money has been posted to receivers account. The confirmation code for the money he sent is XXXX. At the same time, I received the text from Bank Of America that He sent {$440.00}. But that amount has never been posted into my account. I contacted Bank of America Customer Service via call and text, they said that there is no trace of that amount in my account. And they said I should Contact XXXX XXXX, as they are the one sending it. We opened claim with XXXX XXXX but they denied because, it says posted in my friends account. I contacted Bank of America again, they said the same thing. So me and my friend went to XXXX XXXX with the denial letter. We should both our accounts and the letter to one of their associates and she noticed the problem. So she contacted their support team in front of us and told her everything. The Support team associate said that there is no trace of transaction in XXXX  department. But she opened the claim again on our request and said that we should visit Bank of America, because sometimes, the bank holds the money. So we went to Bank of America next day, at first they said they can not help us because they dont deal with the XXXX transfers in the bank. But later they checked my account activity and told me that I have to call the fraud department to report this and theyll be able to help. I called the fraud department of Bank of America, they said they cant report the transaction because they dont see it in the account. After a few days, we received the letter from XXXXXXXX XXXX saying the investigation team denied the claim again. I have been calling and visiting both the banks back and forth, but I am not able to get any help. This complaint includes both the denial letters, confirmation code of the transaction, confirmation email received by the sender, and confirmation text received by the receiver.

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 2025-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : BK OF AMER - XXXXXXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom it May concern.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all account that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for account listed below. 

Your failure to see verifiable accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 

In addition, please remove all non-account holding inquiries over 30 days old. Also Please add a promotional suppression to my credit file. 

Under the federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby request as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
In XXXX of last year I came out of forbearance and entered into the process to XXXX my current loan. I was told on the phone that my credit would be restored within 60 days of coming coming out with a renegotiated amount to pay. The clerical time it took for XXXX XXXX  to process everything was counted as the 120 days late on my credit report during this time. They promissed me on a phone call and told me they were going to fix it because they were pulling the phone call and dates for when the promises were made to rectify my credit. It took XXXX XXXX 6 months to process my new mortgage terms because they were backed up and I got penalized for this on my credit. They promised me all backwards dates from the payment date were going to show as paid as promised. They have not met their obligation and keep telling me they are working on it. It has been over 3 months since my new mortgage terms have been paid. They are crushing my credit report on all 3 bureaus. I keep getting the run around for months about everything that was completed it has been a very painful process to get all this accomplished with XXXX XXXX  - i call in almost every day asking they have been hurting my credit for too long! 

XXXX XXXX  Mortgage Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
In XXXX of last year I came out of forbearance and entered into the process to XXXX my current loan. I was told on the phone that my credit would be restored within 60 days of coming coming out with a renegotiated amount to pay. The clerical time it took for XXXX XXXX to process everything was counted as the 120 days late on my credit report during this time. They promissed me on a phone call and told me they were going to fix it because they were pulling the phone call and dates for when the promises were made to rectify my credit. It took XXXX XXXX 6 months to process my new mortgage terms because they were backed up and I got penalized for this on my credit. They promised me all backwards dates from the payment date were going to show as paid as promised. They have not met their obligation and keep telling me they are working on it. It has been over 3 months since my new mortgage terms have been paid. They are crushing my credit report on all 3 bureaus. I keep getting the run around for months about everything that was completed it has been a very painful process to get all this accomplished with XXXX XXXX - i call in almost every day asking they have been hurting my credit for too long! 

XXXX XXXX  Mortgage Acct : 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting my XXXX XXXX XXXX account ( # XXXX ) with inconsistent and illogical date reporting. The dates of delinquency, payment history, and charge-off status do not align logically, making the account confusing and misleading. This violates 15 U.S.C. 1681e ( b ), which requires Equifax to ensure maximum possible accuracy. In multiple FCRA cases, courts have recognized that conflicting or inconsistent timelines render a report inaccurate and unfairly damaging to the consumer. 

Additionally, XXXX XXXX XXXX as the furnisher has failed to notify Equifax that this account is disputed. Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), furnishers must report accounts as in dispute once a consumer files a dispute. In XXXX v. XXXX & XXXX, the court ruled that failing to mark an account as disputed violates the FCRA and causes consumer harm. Equifax is required to reflect that dispute status in its reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: AR

Complaint narrative:
Please review identity theft report attached, along with proof of XXXX  EQUIFAX BREACH XXXX XXXX Experian/Transunion Dispute Resolution Credit Inquiry Removal Letter : I am writing to dispute unauthorized inquiries and unknown accounts on my credit report. Please see the lenders and dates below I was affected by the Equifax XXXX data breach. Please see documented evidence. Unknown accounts are listed on the Identity theft report provided. 

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 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 2025-09-17 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: AR

Complaint narrative:
Please review identity theft report attached, along with proof of XXXX  EQUIFAX BREACH XXXX XXXX Experian/Transunion Dispute Resolution Credit Inquiry Removal Letter : I am writing to dispute unauthorized inquiries and unknown accounts on my credit report. Please see the lenders and dates below I was affected by the Equifax XXXX data breach. Please see documented evidence. Unknown accounts are listed on the Identity theft report provided. 

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 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 2025-09-17 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: AR

Complaint narrative:
Please review identity theft report attached, along with proof of XXXX  EQUIFAX BREACH XXXX XXXX Experian/Transunion Dispute Resolution Credit Inquiry Removal Letter : I am writing to dispute unauthorized inquiries and unknown accounts on my credit report. Please see the lenders and dates below I was affected by the Equifax XXXX data breach. Please see documented evidence. Unknown accounts are listed on the Identity theft report provided. 

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 non-monetary relief