vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my Equifax credit report, as they contain inaccurate or incomplete information. I request that these items be investigated and corrected accordingly. 

Charged Off Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} XXXX  XXXX AUTO XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting a dispute regarding the accounts listed below, as they have been reported inaccurately. I request that these accounts be reviewed, investigated, and corrected as per the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by credit bureau. 
Charged-Off Accounts : XXXX CARD Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$24000.00} XXXX CARD Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$21000.00} Inquiries : XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I opened a checking account at the Fifth Third Bank in XXXX, NC, assisted by Personal Banker XXXX XXXX. I opened this account specifically to utilize a " New Checking Offer '' promotion : a {$300.00} bonus after receiving direct deposits totaling {$500.00} or more. I provided the promotional code to XXXX XXXX at the time of account creation. 

Timeline of Events : XX/XX/year> : Account opened ; promo code provided to banker. 

XX/XX/year> : I met the {$500.00} direct deposit requirement. 

XX/XX/year> : After failing to receive the bonus, I contacted XXXX XXXX. She confirmed that the system showed the code had been entered, yet it was not " showing '' active on the account. She escalated the issue and promised a follow-up by XX/XX/XXXX. 

XX/XX/year> : XXXX XXXX contacted me to state they were still working on the issue and promised a resolution or update by XX/XX/XXXX. 

XX/XX/year> : I received no communication from the bank. 

XX/XX/year> : I attempted to reach XXXX XXXX but only reached voicemail. 

As of today, the bank has failed to honor the written offer. I have also filed a complaint with the XXXX. 

Reference Link : https : XXXX? cid=cpc : XXXX : XXXX : XXXX : fifth % 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX.The late payment should be removed immediately. XXXX Account Number : XXXX XXXX.The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX.The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX.The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX.The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX.The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/XXXX 7.The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX 8.The following personal information is incorrect Previous Address ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC Bank does not withdraw funds from my account until several days after I make a payment, and when a payment fails, they do not notify me in a timely manner. In multiple cases, I received no notice for more than 60 days, and by the time I found out, PNC had already reported the late payment to the credit bureaus. This has happened several times with no attempt by the bank to inform me before reporting it, which has caused unnecessary damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: TX

Complaint narrative:
I submitted a loan application via Happy Money Platform. I application was denied and I received an " Adverse Action '' denial notice. That notice appears to be incomplete and inconsistent with legal disclosure requirements under the Equal Credit Opportunity Act ( Regulation B ) and the Fair Credit Reporting Act ( Regulation V ). The notice states that you were unable to approve my application and that you couldn't get enough information about your credit history from TransUnion, and it lists Your Credit Score : null. I detect a minimum of 7 violations. I mailed a ECOA/FCRA violation dispute package to Happy Money via certified mail tracking # XXXX. It appears that Happy Money has refused to sign for receipt of this dispute. I have attached a copy of that dispute to this complaint. My dispute letter basically states to Happy Money, " Please respond to this request in writing within 30 days and provide the corrected adverse action notice and the requested records. Which are my rights under FCRA Section 615 ( b ). If you believe the original notice complied with applicable law, please explain the legal basis for that position and identify the specific statutory/regulatory provision ( s ) supporting it.

I reserve all rights under federal and state consumer protection laws, including claims under the Equal Credit Opportunity Act and the Fair Credit Reporting Act, and will evaluate enforcement and remedial options if full and timely compliance is not provided. Please send your response and the requested documents to my mailing address at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and by email to XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am disputing several items on my Equifax credit report. Below are the details of the accounts in dispute : Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There was an {$80.00} charge against my CitiBank credit card, account number ending in XXXX, on XX/XX/year> that I did not recognize. I filed a dispute of this charge with CitiBank promptly. CitiBank did request proof of the transaction from the merchant, XXXX XXXX. The merchant provided a Chargeback Evidence form showing the customer name of XXXX XXXX. I am not XXXX XXXX. Please see attached. 

In spite of these facts, CitiBank has ultimately found me responsible for the charge. 

I have made multiple attempts ( by email, website chat, phone, and postal mail ) over the last few months to resolve this issue to no avail. The {$80.00} plus interest was paid by me on XX/XX/year> so my credit rating isn't dinged. 

I contend, that I do not recognize the {$80.00} charge, nor the merchant or customer name listed on the merchant 's chargeback evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information. This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft. Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information. This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft. Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am writing to dispute the following information on my credit report. I have identified certain inaccuracies and discrepancies in the reporting of my credit accounts and inquiries, as outlined below. 

Charged Off 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 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
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank denied my dispute for {$2600.00} even though the merchant ran my card multiple times and used a misleading merchant descriptor ( Posto 1, which is a gas station code ). The actual amount charged was much higher than what was verbally disclosed. 

I did not knowingly authorize multiple charges or the final amount. I am requesting U.S. Bank reopen the investigation under incorrect amount, duplicate transactions, and merchant misrepresentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-11-25 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: AL

Complaint narrative:
I am contacting you to dispute several items on my credit report, which I believe are not being reported accurately. In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation of the accounts listed below and prompt removal or correction of any inaccurate or unverifiable information. 
Personal Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SSN : XXXX Accounts in Dispute : XXXX. XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Original Creditor : XXXX XXXX XXXX Account Status : Collection ( Installment ) o Discrepancy : The account has been reported as a charge-off, though it was disputed in the past. 
o FCRA Violation : Failure to comply with FCRA 1681s-2 ( b ) by not properly handling consumer disputes. 
XXXX. XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Original Creditor : XXXX XXXX XXXX o Account Status : Closed o Discrepancy : Account status not updated after XXXX XXXX bankruptcy filing. 
o FCRA Violation : Inaccurate reporting of bankruptcy status under FCRA 1681c ( a ) ( 1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am writing to dispute the accuracy of the following accounts reported on my Equifax credit report. These accounts are listed as " Charged Off '' and should not be reported as such. I request a thorough investigation into these accounts to correct any inaccuracies. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : No disputes on inquiries for EQ at the moment. 

Late Payment Accounts : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation