vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
In 2021, I deposited a {$5000.00} check into my Fifth Third Bank checking account. The bank later flagged the check as invalid and closed my account. However, Fifth Third Bank confirmed to me via phone that the funds were successfully withdrawn from the payers account and are still being held by the bank. 

Despite this, they have refused to return the funds to me and are now demanding a statement from the payer to prove I was entitled to the funds. This is inappropriate, as they confirmed the money is no longer with the payer and is already in their possession. 

I reside in XXXX XXXX XXXX, where there are no Fifth Third Bank branches. They have refused to provide documents or mail me the money, and they have ignored my repeated requests for a proper resolution. 

As a result of this wrongful withholding of funds, I was unable to pay for my storage unit or maintain stable housing. I was evicted and lost {$25000.00} {$35000.00} worth of personal property stored in that unit. Fifth Third Banks actions directly caused this financial harm and emotional trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading 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 2025-04-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a PNC Secured Credit Card on XX/XX/XXXX. I received the physical credit card on the night of XX/XX/XXXX and activated it the same night ( My PNC Company is aware that I activated on XX/XX/XXXX night ). However, PNC generated a statement on the morning of XX/XX/XXXX ( before I received or activated the card ) and charged me a $ XXXX monthly maintenance fee for the short period of XX/XX/XXXX to XX/XX/XXXX. PNC charged a monthly fee XXXX $ for a period during which the card was not in my possession and not activated. Even If I have activated the card before XX/XX/XXXX they should generate the statement only for month that if from account opening date XX/XX/XXXX to XX/XX/XXXX. 

I was unable to use the card during that time because I didnt even have it in my possession until XX/XX/XXXX night. Charging a monthly fee for a 6-day statement period and during a time when the card was not active is misleading and unfair. 
FYI - I already paid the XXXX $ fee to Credit card as it may lead to penalty. 

I contacted PNC requesting a waiver or refund, but they have not resolved the issue. I am requesting that the {$3.00} fee be refunded, as I believe this charge violates fair billing practices. It violates the principle of fair billing and could be considered unfair or deceptive under consumer protection laws. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
CFPB Complaint Summary : Rental Debt Dispute Consumer : Me Date : XX/XX/year> Credit Bureau : XXXX XXXX XXXXXXXX : Kimball , Tirey & St. John LLP XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX XXXX XXXX Case No : XXXX ( XXXX XXXXXXXX XXXX XXXX  What Happened : I am disputing a {$26000.00} apartment-related debt reported by Kimball Tirey St. John LLP to XXXX  XXXX allegedly on behalf XXXX XXXX XXXX XXXX XXXX. 

The debt is based on an unlawful detainer casenot a civil or small claims lawsuitand no financial judgment was entered. 

XXXX XXXX XXXX. : XXXX Jurisdiction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the minute order and court register of actions, which clearly show that only possession of the unit was granted, and that no monetary damages were awarded. The docket includes no XXXX entry, which is the official court code used for monetary judgments in XXXX  eviction cases. 

The original attorneys for XXXX XXXX XXXX XXXX were XXXX, XXXX, XXXX XXXX XXXX, XXXX. Kimball Tirey substituted in as legal counsel on XX/XX/XXXX, XXXX after judgment. Therefore, Kimball Tirey was not involved in litigating the case and assumed a post-judgment collection role without having personal knowledge or a valid legal claim. 

Despite this, Kimball Tirey reported a {$26000.00} debt to XXXX  and continues to attempt collection on an amount that has never been ordered or confirmed by any court. 

I was also never properly served. My opposition filing ( attached ) documents that the individual who was supposedly served does not match my physical description or government-issued ID.

Kimball Tirey is now furnishing this unvalidated debt to XXXX and has failed to provide any lease agreement, rental ledger, billing statement, or court order proving this debt is valid. 

-- - Violations Committed by Kimball Tirey St. John LLP : FDCPA 807 ( 2 ) ( A ) : Falsely representing the character, amount, or legal status of the debt FDCPA 807 ( 10 ) : Using deceptive means to collect a debt FDCPA 809 ( b ) : Continuing to collect without validating the debt upon dispute FDCPA 808 : Using unfair and unconscionable methods to collect -- -Supporting Documents Attached : XXXX XXXX ( no monetary judgment ) Full court docket ( no XXXX entry ) Substitution of attorney ( showing Kimball Tirey took over late ) Opposition to improper service Screenshot of the debt being reported on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-18 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-18 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: TX

Complaint narrative:
I am filing a dispute regarding an account that is inaccurately and inconsistently reporting the Date Last Active across the three credit bureaus for account XXXX : TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX The date reported by Equifax is not only inconsistent but also impossible, as there has been no activity on this closed account since XXXX. Reporting a XXXX date is clearly inaccurate and damaging to my credit profile. This inconsistency is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), which requires furnishers and credit bureaus to maintain accurate and consistent reporting. Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by 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 2025-04-18 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: KY

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 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:
I am writing to formally dispute the accuracy of a XXXXXXXX XXXX currently being reported on my Equifax credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX would remove the tradeline from my credit report. The have assured me that it has been reported- However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : account opened at XXXX XXXX on XX/XX/year> account number XXXX * * * account problem showing only on XXXX XXXX, XXXX late payment, which is being inconsistently reported among the XXXX credit bureaus.

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 2025-04-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am filing this complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and improperly verified I have disputed this directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under " 15 use 1681 '' as to A furnishers must report accurate information under " 15 use 1681 I '' the credit bureaus must preform a reasonable investigation within 30 days. neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-18 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX that my credit score had dropped by approximately XXXX points due to an outstanding balance. After investigating the matter, I discovered the account in question was being handled by a company called Advantage. 

I contacted Advantage by phone on XX/XX/XXXX and learned that the issue stemmed from a past-due student loan payment. They have recently taken over servicing my loan. This was the first time I had been made aware of any delinquency on the account. 

Upon further discussion, I found that all contact information associated with the account was outdated, including a former phone number, address, and an old email address from when I lived in XXXX. As a result, I never received any notifications or reminders regarding the payment due. 

I promptly paid the past-due amount of {$700.00} over the phone and enrolled in autopay to prevent this from happening again. 

What concerns me most is that I have always maintained a perfect payment history. Had I received proper notice, I would have addressed the issue immediately and avoided any negative impact on my credit. 

I respectfully request that you consider updating or removing this negative mark from my credit report, as it was due to circumstances beyond my control and does not reflect my financial responsibility. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-04-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief