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

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent fraudulent inquiries off of my report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-08-08 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 am writing to formally dispute an entry on my Equifax credit report dated XX/XX/XXXX. The account in question is reported below : Account Details : - Original Creditor : XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX  - Amount : {$260.00} Account Details : - Original Creditor : XXXX XXXX XXXX XXXX - Collection Agency : XXXX XXXX - Amount : {$230.00} Account Details : - Original Creditor : XXXX XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX 
- Amount : {$1000.00} I am writing to dispute the XXXX XXXX account listed on my Equifax credit report. The account was opened on XX/XX/XXXX, and is reported as charged off with a balance of {$10000.00} as of XX/XX/XXXX.

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

Complaint narrative:
I am writing to formally dispute an entry on my Equifax credit report dated XX/XX/XXXX. The account in question is reported below : Account Details : - Original Creditor : XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX  - Amount : {$260.00} Account Details : - Original Creditor : XXXX XXXX XXXX XXXX - Collection Agency : XXXX XXXX - Amount : {$230.00} Account Details : - Original Creditor : XXXX XXXX XXXX XXXX - Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX 
- Amount : {$1000.00} I am writing to dispute the XXXX XXXX account listed on my Equifax credit report. The account was opened on XX/XX/XXXX, and is reported as charged off with a balance of {$10000.00} as of 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Subject : Complaint Regarding PNC Bank Deposit Made to Closed Account Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am requesting your assistance in recovering funds I sent to my former PNC Bank checking account via XXXX XXXX. 

Background : I am XXXX XXXX XXXX and recently relocated from Tennessee to XXXX, WA. I opened a PNC Bank checking account in Tennessee to deposit my payroll checks, and I would then transfer funds to my Cash App account to pay rent and friends. 

Before moving, I withdrew all my funds, leaving my PNC account at a XXXX balance. The account remained open for some time but was eventually closed by PNC Bank, likely due to insufficient funds for monthly fees. This account had previously been verified with XXXX XXXX as an account that could receive deposits. 

The Issue : On XX/XX/year>, at XXXXXXXX XXXX  XXXX, I accidentally sent {$730.00} from my Cash App account to the closed PNC account, since it was still showing as a verified deposit account. XXXX XXXX confirmed the payment went through to PNC Bank but can not reverse the transaction without the banks assistance. 

Information Provided by Cash App for PNC Bank to Trace Funds : Deposit Amount : {$730.00} Date of Deposit : XX/XX/year> XXXX XXXX  XXXX Bank Name : PNC Bank , National Association Last XXXX digits of debit card : XXXX Transaction ID : XXXX Attempts to Resolve : I contacted PNC Bank immediately after realizing the error. However, I was told that without the account number, they could not locate the deposit. I provided my Social Security number, personal identifying information, and the above transaction ID, but was repeatedly told by customer service ( who were polite but unable to help ) that nothing could be done without the account number. 

I have reached out to PNC Bank multiple times to request they use the transaction ID to locate my closed account and issue a refund of any remaining funds after fees. I have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for willful and blatant violations of the Fair Credit Reporting Act ( FCRA ) related to fraudulent accounts appearing on my credit report as a direct result of identity theft. I personally submitted a dispute along with all required supporting documentation, including my government-issued ID, proof of address, FTC identity theft report, and a signed statement under penalty of perjury confirming the accuracy of my claim. The fraudulent accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts were confirmed to be fraudulent, yet the bureau has failed to remove them from my credit file as required by law. 

Under FCRA 605B, the bureau is legally obligated to block all fraudulent information within four business days of receiving proof of identity theft. Under FCRA 611 ( a ), they must conduct a proper investigation and respond within 30 days, and under FCRA 609 ( a ) ( 1 ) ( A ), they must provide full disclosure of all information used to verify these disputed accounts as well as the results of any prior investigations. Despite these clear legal requirements, the bureau failed to block the fraudulent information, failed to conduct a proper reinvestigation, failed to provide the requested verification documentation, and willfully disregarded my rights under the law.

These failures have caused substantial harm, including damage to my creditworthiness, emotional distress, and the potential denial of credit opportunities. The bureaus continued reporting of these fraudulent accounts is not only unlawful but also a reckless disregard for federal consumer protection laws. This is a legitimate consumer complaint backed by substantial evidence, and urgent intervention is necessary to ensure compliance and prevent further harm.

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 2025-08-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-08 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-07 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: SC

Complaint narrative:
RE : Formal Request for Method of Verification CFPB Response Dated XX/XX/year> To Whom It XXXX Concern : My XXXX and final request, I am writing in reference to Experians XX/XX/year> response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), in which you stated that the following accounts were verified as accurate and complete : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting the full Method of Verification used to confirm the accuracy of each of the above-referenced accounts.

Specifically, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to : The person name, address, and telephone number of each furnisher you contacted.

A detailed description of the manner in which you verified the accuracy of the information, including whether this was done through automated systems, e-Oscar, or direct human contact.

Copies of any documentation provided to you by the furnishers that formed the basis of your verified determination.

Additionally, under 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide the sources of the information in my file upon request.

Under 15 U.S.C. 1681e ( b ), you are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information you report.

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 2025-08-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally disputing the late payments reported on my credit file for XXXX student loan accounts currently serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These entries some marked as XXXX and XXXX  days delinquent have caused a drop of over XXXX points to my XXXX XXXX, despite my longstanding history of responsible financial management. 

The core issue : XXXX maintained outdated contact information for me for several years, including an obsolete email address, phone number, and mailing address. Your representatives have since acknowledged that my contact details required updates. As a result, I did not receive any notifications of missed or upcoming payments, nor was I given the opportunity to bring the accounts current before they were reported as delinquent. 

These late marks are not the result of neglect or refusal to pay, but rather the consequence of incomplete and inaccurate servicing practices that prevented me from being properly notified. Under the Fair Credit Reporting Act, information furnished to credit bureaus must be accurate and complete in this case, the reporting fails to meet that standard due to the lack of timely and correct borrower communication. 

I request that XXXX remove or amend these derogatory marks with all credit bureaus to reflect accurate payment history. This adjustment would be consistent with both FCRA requirements and principles of good-faith customer service.. 

Please confirm in writing that this dispute has been received and that a formal investigation is underway. If this matter is not resolved promptly, I will escalate to the U.S. Department of Education Ombudsman, the Consumer Financial Protection Bureau, and other relevant regulatory bodies.

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 2025-08-08 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: VA

Complaint narrative:
I am formally disputing the late payments reported on my credit file for XXXX student loan accounts currently serviced by XXXX ( XXXX. of XXXX / XXXX ). These entries some marked as XXXX and XXXX  days delinquent have caused a drop of over XXXX points to my credit score, despite my longstanding history of responsible financial management. 

The core issue : XXXX maintained outdated contact information for me for several years, including an obsolete email address, phone number, and mailing address. Your representatives have since acknowledged that my contact details required updates. As a result, I did not receive any notifications of missed or upcoming payments, nor was I given the opportunity to bring the accounts current before they were reported as delinquent. 

These late marks are not the result of neglect or refusal to pay, but rather the consequence of incomplete and inaccurate servicing practices that prevented me from being properly notified. Under the Fair Credit Reporting Act, information furnished to credit bureaus must be accurate and complete in this case, the reporting fails to meet that standard due to the lack of timely and correct borrower communication. 

I request that XXXX remove or amend these derogatory marks with all credit bureaus to reflect accurate payment history. This adjustment would be consistent with both FCRA requirements and principles of good-faith customer service.. 

Please confirm in writing that this dispute has been received and that a formal investigation is underway. If this matter is not resolved promptly, I will escalate to the U.S. Department of Education Ombudsman, the Consumer Financial Protection Bureau, and other relevant regulatory bodies.

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

Complaint narrative:
I am formally disputing the late payments reported on my credit file for XXXX student loan accounts currently serviced by XXXX XXXX XXXX XXXX XXXX  / XXXX ). These entries some marked as XXXX and XXXX  days delinquent have caused a drop of over XXXX points to my XXXX XXXX, despite my longstanding history of responsible financial management. 

The core issue : XXXX maintained outdated contact information for me for several years, including an obsolete email address, phone number, and mailing address. Your representatives have since acknowledged that my contact details required updates. As a result, I did not receive any notifications of missed or upcoming payments, nor was I given the opportunity to bring the accounts current before they were reported as delinquent. 

These late marks are not the result of neglect or refusal to pay, but rather the consequence of incomplete and inaccurate servicing practices that prevented me from being properly notified. Under the Fair Credit Reporting Act, information furnished to credit bureaus must be accurate and complete in this case, the reporting fails to meet that standard due to the lack of timely and correct borrower communication. 

I request that XXXX remove or amend these derogatory marks with all credit bureaus to reflect accurate payment history. This adjustment would be consistent with both FCRA requirements and principles of good-faith customer service.. 
Please confirm in writing that this dispute has been received and that a formal investigation is underway. If this matter is not resolved promptly, I will escalate to the U.S. Department of Education Ombudsman, the Consumer Financial Protection Bureau, and other relevant regulatory bodies.

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 2025-08-07 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: Credit Karma, LLC
State: MD

Complaint narrative:
Credit Karma is willfully violating the CCPA by refusing to delete my personal data upon request, falsely claiming exemption from the law, and imposing an illegal XXXX 'anonymization ' delay. Despite my repeated demands, they continue to retain my sensitive financial information including credit reports while retroactively demanding new ID verification ( selfie/photo ) that was never required at account creation, a deceptive practice under FTC Section 5 and a breach of CCPA 's 'equal access ' rule ( 1798.100 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraud Affidavit request claim # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
XX/XX/year> & XX/XX/year> between XXXX - XXXX {$2900.00} was stolen from my CashApp via XXXX. 
There are XXXX transactions total, most of which were for duplicated amounts. 
I reached out immediately to both companies to file complaints. Every dispute has been denied multiple times stating they do not believe these are unauthorized transactions. 

I am locked out of my XXXX  account and saw a different email address linked to a previous purchase I did make. I let both companies know. 

Cash App closed my account out, which is fine I dont want to ever use this app again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Sued me without properly serving me. Contacted my employer served them and threaten to garnish my checks and that my employer had XXXX  days before they started taking money im not able to give due to financial hardship. I am at risk of lossing my job because of this matter. i only found out because she shared this informaion with me. 

XXXX XXXX2025 this paper was givng to my employer in the amount of {$11000.00} it was filed XXXX XXXX2025 which i had no knowledge about

Company response to consumer: Closed with explanation