vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
I did not take out a loan with this company. I noticed in XXXX of XXXX  they had been deducting money from my checking account, totalling {$1800.00}. The lady on the phone informed me a loan had been taken out in my name, with my banking information in the amount of {$1800.00}. I disputed that fact and they failed to provide any documents verifying the loan. They did not refund my money. They did stop deducting money from my account. Now I have a charge off appearing on my credit report, from this company in the amount of {$3800.00}. 
From additional research I have conducted, this business is utilizing a rent a bank scheme to illegally offer loans. 
I would like my money refunded and also the derogatory information removed from my credit report. 
I would also like any documentation they have to help me determine who might have opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CT

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-01 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: WA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am filing a formal complaint against PNC Bank for their improper handling and wrongful denial of a debit card dispute involving a misrepresented and undelivered service, as well as for preventing me from closing my account for months while this dispute remained unresolved. 

On XX/XX/2025, I attempted to reserve parking in XXXX through the XXXX app for attendance at the XXXX XXXX XXXX at the XXXX  XXXX XXXX. Within the app, I selected the event and was shown garages listed as being near the XXXX XXXX. I selected and paid {$15.00} for a garage listed at XXXX XXXX XXXX XXXX. 

After driving from XXXX XXXX XXXX to XXXX with my mom and XXXX daughters, I put the address of the parking garage in my GPS only to discover that no such parking garage exists at that address in XXXX. I confirmed through several minutes of XXXX  that XXXX XXXX XXXX XXXX is actually located in XXXX, not XXXX. The reservation time was also misrepresented, displaying starting in XXXX hours even though the selected time had already passed. As a result, the service I paid for was both misrepresented and impossible to use, constituting clear non-delivery. 

Because the reservation had already started, the XXXX app prevented me from canceling the reservation. I was forced to urgently locate and pay for alternate parking in XXXX under time pressure. I incurred inconvenience, delay, and additional physical burden in cold weather with my XXXX mom and a XXXX XXXX 

I submitted documentation and screenshots to PNC showing : The incorrect XXXX address The incorrect reservation timing Proof that no usable service was ever delivered Despite this, PNC denied my dispute after months of delay. During this time, PNC also refused to allow me to close my account, stating it could not be closed while the dispute was pending. After months of delay, PNC ultimately denied the dispute anywayrendering the forced delay and restriction on my account entirely unjustified. 

PNC failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). The merchant provided no valid proof of service delivery in XXXX because no such service occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-12-01 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: SC

Complaint narrative:
These inaccurate accounts keep showing up on my credit report even though they should have been removed, and it is really taking a toll on me. I am urgently asking that the documents I provided be reviewed in full so I can finally stop worrying every single day about this situation.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-12-01 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: PA

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-12-01 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 reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year> I purchased crypto on the Venmo XXXX. I purchased {$19.00} XXXX, which includes a XXXX cent fee from Venmo. When attempting to transfer the funds I was given a message stating that the crypto funds could not be transferred to an external wallet due to a hold on said funds. This has occurred before in the past so I knew immediately that they weren't going to let me transfer the XXXX I had purchased for quite some time, so I immediately sold it. I forgot, however, that they also will not release your funds from a crypto sale for a period of XXXX business days. No reason is stated for this hold besides " as a security measure ''. When asked what kind of security measure protects me from my own money the company says they are unable to disclose that information. When asked why the crypto funds could not be transferred they give the same " security measure '' answer, without explaining an actual reason. After pressing the matter XXXX representative stated it was due to funds not clearing from my bank. When I explained that the funds were not from my bank, that they were funds which had already been deposited and cleared directly into my Venmo balance, the associate replied " There are other possible reasons. '' without disclosing what those reasons are. This company charges people to buy and sell crypto on their platform, then refuses to allow them to transfer the crypto to an external wallet, and does not release the funds immediately after the sale confirms on the block chain like literally every other crypto platform does. I believe they do this intentionally to collect more fees from their users because the users are forced to sell the crypto on their platform due to the inability of the users to transfer their crypto to an external wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am respectfully requesting a full reinvestigation of the accounts listed below. I am a consumer reviewing my Experian credit file, and I noticed multiple charged-off and collection accounts that appear inaccurate, incomplete, outdated, or unverifiable. Under the FCRA, all information furnished about me must be 100 % accurate and fully verifiable. Many of these accounts list inconsistent dates, zero balances on charged-off items, duplicate reporting, or creditor names that I do not recognize. I am asking Experian to conduct a proper investigation and require each furnisher to provide complete and verifiable documentation ; otherwise, the accounts should be deleted. 

CHARGED OFF XXXX XXXX, XXXX, CREDIT XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, MAF XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRIES XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, LATE PAYMENT 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 2025-12-01 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within XXXX  ( XXXX  ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized XXXX  inquiries and false collection entries on my XXXX  credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX XXXX charged off {$580.00} to IC System Inc creditors. I paid {$10.00} on this debt in XX/XX/XXXX and have had No contact with the company until today. I C Systems is still Illegally reporting this old debt as New debt on my credit reports, as recently as this year. I have contacted XXXX for proof of the initial charge off date in XXXX of XXXX. They will not provide proof. I C Systems has not been in contact with me for Years-it 's been Over 7yrs since I communicated about this debt, so it should be off my credit report but it is Still being reported as new ( several times in the past few years ), which is direly impacting my score. I've contacted I C Systems to let them know this is Illegal. They said XXXX sent a bill in XX/XX/XXXX but neither XXXX or IC Systems has provided proof of that, and I have been a resident of XXXX since XX/XX/XXXX. I don't understand how IC Systems can get away with reporting this on my credit as New debt when it is from XXXX and I want it 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 explanation
Consumer complaint received 2025-12-01 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/year>, I authorized a purchase through the website givenchysale.com. I received an email confirmation for XXXX # XXXX, which clearly shows that the payment method was Pay With Card. I authorized a standard card payment only not a XXXX transaction. 
Despite this, the merchant appears to have processed my card through XXXX without my knowledge or consent. I never selected XXXX during checkout and did not authorize any third-party payment routing. My emailed receipt explicitly confirms a direct card transaction. 
I never received the merchandise I paid for. Shortly after the transaction, the website went offline entirely, and numerous consumers publicly reported the merchant as a scam. I made multiple attempts to contact the seller using every method they provided, but I never received any response at all. 
Despite the website being taken down, despite the merchant ignoring all communication, despite the merchant providing no proof of delivery or authorization, and despite public complaints identifying the business as fraudulent, Goldman Sachs Bank USA repeatedly sided with this scammer and denied my dispute. 
This issue has now been investigated for over a year, and Goldman Sachs has still refused to correct the charge or address the unauthorized routing through XXXX. Goldman Sachs did not provide any documentation supporting their decisions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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