vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: NH

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by XXXX, Experian, and XXXX  under XXXX ( XXXX ). Despite my formal disputes submitted on XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 1 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$100.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$1000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-15 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: PNC Bank N.A.
State: OR

Complaint narrative:
Upon reviewing my credit reports from all three major credit bureaus ( XXXX, XXXX, and XXXX  ), I discovered that the late-payment history PNC bank has reported is inconsistent among the bureaus. This raises serious concerns about the accuracy, completeness, and reliability of the information you are furnishing. Please see screenshots inserted. 
XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 30 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 30 days past due XXXX  : 30 days past due XXXX  : 60 days past due XX/XX/XXXX XXXX  : 60 days past due XXXX  : 60 days past due XXXX  : 90 days past due XX/XX/XXXX XXXX  : 60 days past due XXXX  : 60 days past due XXXX  : 90 days past due Under the Fair Credit Reporting Act ( FCRA ), PNC bank violated 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) the duty to provide accurate information ). PNC bank furnished different late-payment information to different credit bureaus. 

Duty to report accurately : The mortgage companies must ensure the information they report to credit reporting agencies ( CRAs ) is complete and accurate.

Uniform reporting obligation : Under FCRA 623 ( a ) ( 1 ) and the CFPB interpretation, a furnisher must not provide data that it knowns or should know is incorrect. I demand that PNC bank : 1. Investigate the accuracy of all late-payment information PNC bank has furnished for my account to each credit bureau .

2. Identify and provide documentation showing exactly : o The source from which PNC bank obtained the late-payment data ; o The records PNC bank relied on ; and o The method used to determine and verify my alleged late payments.

3. Confirm whether this same information was furnished uniformly to all credit bureaus.

If PNC bank is unable to verify with documentary evidence that these late payments are accurate and reported uniformly, you must, under the FCRA : Immediately remove the unverified late-payment entries from all credit bureaus ; or Correct them to reflect a current/on-time status across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I recently discovered that my personal information has been used fraudulently by an unknown party. Unauthorized accounts and/or transactions were opened or conducted without my consent. I have documented the fraudulent activity and reported it to the appropriate institutions, including placing fraud alerts with credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion 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 : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Over 20 years Chex Systems is still reporting obsolete information about me to creditors that was cleared over 20 years ago.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never been late before on any accounts. This derogatory reporting constitutes inaccurate and unfair billing, violating the Truth in Lending Act ( TILA ).

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to investigate and correct any reporting errors. 

XXXX XXXX Account # 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 2025-08-15 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: PA

Complaint narrative:
I want to be clear that this complaint is not a mistake. My credit report contains multiple inaccuracies that can not be verified with the highest degree of accuracy. These errors continue to harm my credit and well-being during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
XXXX, XXXX. XXXX, XXXX I requested statements that would reveal how principle payments were applied during the interest suspension period. I requested accurate number of approved PSLF payments. Federal Student Aid and MOHELA records differed greatly.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One XXXX XXXX acct. Acct # ending in XXXX. 
Received via XXXX statement covering Period - XXXX. XXXX- XXXX. XXXX, 2025 Payment due date was XX/XX/year>. 
Called XX/XX/year> - got to Customer service Rep. ( # XXXX ). 
She verified that I had paid {$2000.00} on this account that had NOT been recorded by them. I was traveling. and prepaid. 
I asked to close the acct. and sent Capital one the balance of {$270.00}. 
So we agreed that she would return {$980.00} Which I received. and she had my Rewards balance of {$1.00} returned as well. 

Statement ending XXXX. XXXX : Previous balance : {$1600.00} Payments paid per statement : $ ( 512.17 ) New transaction : {$90.00} Int : {$19.00} Balance due Per Capitol XXXX {$2200.00} After finding my Unrecorded {$1000.00}. I still closed the acct. Paid {$270.00} and she applied {$1000.00} ( of the {$2000.00} payment ) and we agreed that my refund by check would be {$980.00} which included and fee miss ) I agreed. I also requested and got my Rewards credit back. I received the {$980.00} check and on XX/XX/XXXX, and the check for {$1.00} dated XX/XX/XXXX. 
I requested the data on the missing statements XXXX - XXXX, and XXXX - XXXX, and a statement dated XX/XX/XXXX - XX/XX/XXXX due date XX/XX/year>. 
I spoke to a XXXX XXXX, Rep # XXXX ( PH : XXXX ) I filed a complaint with them : # XXXX. 

I was charged for on the statement of XX/XX/XXXX - XX/XX/XXXX ( which was never sent until I requested ) The Company back charged me for the {$2000.00} they said they had received and {$980.00} for which they paid and we agreed to. 
Begining balance : {$2000.00} Fees and interest : {$62.00} total request for : $ {$2000.00} This was a completely settled file- they never sent further statements until- they are asking for Money I have paid and agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] 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 2025-08-15 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: NC

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate reporting on my credit files by TransUnion, Experian, and Equifax, which is directly harming my ability to expand my business and access necessary financing. 

Due to these incorrect and unverifiable entries, my credit profile has been negatively impacted, resulting in : Denials or limitations of business credit and financing Increased interest rates on existing or potential loans Direct interference with my business growth and economic opportunities This harm violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Bureaus must maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Disputed information must be reasonably reinvestigated and corrected. 

I have disputed these inaccuracies with each credit reporting agency, yet the erroneous accounts remain and continue to cause financial harm to both my personal and business credit standing. 

I request that the CFPB investigate this matter, compel the credit reporting agencies to fully comply with the FCRA, and require the prompt correction or deletion of the inaccurate information so that I may move forward with my business expansion without undue damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-15 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation