vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of a XX/XX/year> late payment being reported on my credit file for my XXXX  account ending in XXXX. This late payment is inaccurate and violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
1. Violation of 15 U.S.C. 1681, Section 602 Right to Privacy Section 602 establishes my right to privacy regarding my credit information. Inaccurate or unverifiable negative items damage my reputation and creditworthiness, infringing on that right.

2. Violation of 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) Under Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish account information without the written instructions of the consumer. I have never authorized the furnishing of inaccurate late payment information for XX/XX/year>. 
3. Violation of 15 U.S.C. 1666b Timing of Payments ( TILA ) Section 1666b clearly prohibits a creditor from treating a payment on a credit card or open-end credit account as late unless received after the due date in accordance with disclosed terms. The XX/XX/year> late payment does not meet these legal requirements and is being inaccurately reported. 
Given these violations, you are required under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of this account. If XXXX can not provide documented and verifiable evidence of the accuracy of the XX/XX/year> late payment, you must remove it from my file under 15 U.S.C. 1681s-2 ( b ).

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This complaint addresses an incorrect late payment currently reflected on my credit file. I have verified through my own records that the payment in question was submitted on time, and the furnisher has failed to provide proof otherwise. This false reporting is damaging my creditworthiness and does not represent my true payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or 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 explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am filing this complaint regarding three collection accounts reported by XXXX XXXX, XXXX on my credit reports with Experian, Equifax, and TransUnion. 

I have repeatedly requested Debt Validation Letters from XXXX XXXX  under 15 U.S.C. 1692g ( a ) ( b ), including full chain of custody documentation and original creditor records. These requests were made via certified mail, and I have provided receipts and copies of my correspondence. 

XXXX XXXX has failed to comply with these legal obligations. No valid documentation has been provided to verify the debts. 

Violation by Credit Bureaus : Despite receiving my dispute letters and the attached proof of noncompliance by XXXX XXXX, the credit bureaus have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). Instead, they responded with generic statements that the information was investigated and found valid without addressing my evidence. 

As held in XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), merely confirming with the furnisher without reviewing the consumers evidence does not constitute a reasonable investigation. 

The continued reporting of these accounts without proper validation constitutes reporting inaccurate and unverifiable information, in violation of 15 U.S.C. 1681e ( b ).

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MO

Complaint narrative:
We have an account with the bank under the " XXXX XXXX XXXX XXXX XXXX '', with XXXX XXXX XXXX as Trustee and her son XXXX XXXX as successor trustee. Additionally, there was a power of attorney granted XXXX XXXX. 

XXXX XXXX XXXX turned XXXX XXXX XXXX on XX/XX/2025 and wished to have XXXX XXXX added as co-trustee. The attorney for the XXXX drafted a document to add XXXX XXXX as Co-Trustee, and XXXX XXXX and XXXX XXXX took that document to the bank in person and spoke with the banker to convey their needs on XX/XX/2025. PNC Bank has been reviewing that document since XX/XX/2025 and now says they won't accept it. 

Their reason is that they have a copy of the trust that was signed on a date earlier than the date of the copy that is in possession of XXXX XXXX. 

It is our belief that the version that PNC has and the version that XXXX XXXX has are the same document. Originals were signed for PNC on XXXX date and kept by PNC, and then an original was signed a few days later and kept by XXXX XXXX. 

XXXX XXXX 's health is in decline and she has been placed in XXXX  XXXX during this time period. 

XXXX XXXX has been in contact with PNC to try to ascertain the problem with him being able to access the account to pay for her medical needs. 

PNC Bank has been obstructing access to the account and it is causing critical issues in that we are trying to pay for her health care. 

She had met in person with the banker on XX/XX/2025 and discussed her desires and needs related to adding XXXX XXXX as co-trustee. 

XXXX XXXX is not able to leave her bed in her XXXX  XXXX room and tried to do a video call with the banker at PNC at XXXX XXXX   XXXX on XX/XX/2025 to discuss with the banker her needs. PNC refused video call with XXXX XXXX on that date after initially agreeing to it. 

At this point, PNC says they do not like reviewing power of attorney documents, and say that they have a trust document that was signed on a different date than the trust document that is in the possession of XXXX XXXX and XXXX XXXX. 

XXXX XXXX asked to review that document and PNC refuses to let them review the document. 

The bottom line is PNC is effectively blocking access to the account. XXXX XXXX and her family are trying to pay for medical care for XXXX XXXX, however XXXX XXXX is incapacitated and can not personally come to PNC as they have insisted. We need access to the account to pay for her medical needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 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: GA

Complaint narrative:
The investigation did not fix the inaccuracies on my account

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 2025-08-11 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not verified to the highest standard of accuracy. These errors are weighing heavily on me and continue to affect my life in deeply negative ways. Correcting or removing them would be a great help during these difficult times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$7100.00}, XXXX  XXXX Balance {$4100.00}, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-11 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: NC

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I XXXX XXXX asked for verification and signatures and receipts of verified credit use of this credit card thats debt that they representing XXXX  I have not received nothing in the mail, and I had no attempts to show verification of my signature of this debt nor receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  XXXX XXXX XXXXREPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION)XXXX XXXX XXXXREPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION)XXXX XXXX XXXXREPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION)XXXX XXXX XXXXREPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION)XXXX XXXXREPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION)\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-11 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: GA

Complaint narrative:
I filed a dispute with card.com on XX/XX/year> because {$4400.00} was stolen from my card. They stated that no error was found and are refusing to return the funds that were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CO

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 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 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 2025-08-11 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: OH

Complaint narrative:
Complaint Title : Failure to Block Fraudulent Accounts and Remove Inaccurate Information Violation of 15 USC 1681c-2 Complaint Details : On XX/XX/year>, I submitted formal written disputes and identity theft blocking requests to Experian, Equifax, and TransUnion under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

My submissions included : FTC Identity Theft Report Government-issued ID Proof of address Detailed list of all fraudulent accounts, collections, repossessions, late payments, and hard inquiries ( including duplicates ) Supporting credit report excerpts Under 15 U.S.C. 1681c-2, the consumer reporting agency is required to block all information that resulted from identity theft within 4 business days of receiving the proper documentation. Today is XX/XX/year>, Day 5 well beyond the statutory deadline, and the disputed items remain.

This failure to comply is a clear violation of federal law and subjects the bureaus to liability for {$1000.00} per violation under 15 U.S.C. 1681n and 1681o. I am escalating this matter to the CFPB to enforce immediate removal and to preserve my right to file suit.

The items in dispute include items in attachment on initial report I am requesting the CFPB to take immediate enforcement action to compel deletion of these items from my credit reports and ensure compliance with the FCRAs identity theft blocking provision.

Attachments Provided : 1. FTC Identity Theft Report 2. Dispute letters ( dated XX/XX/year> ) 3. Proof of ID & address 4. Credit report excerpts highlighting disputed items 5. Proof of mailing/delivery receipts ( See Attachments )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
Complaint Title : Failure to Block Fraudulent Accounts and Remove Inaccurate Information Violation of 15 USC 1681c-2 Complaint Details : On XX/XX/year>, I submitted formal written disputes and identity theft blocking requests to Experian, Equifax, and TransUnion under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

My submissions included : FTC Identity Theft Report Government-issued ID Proof of address Detailed list of all fraudulent accounts, collections, repossessions, late payments, and hard inquiries ( including duplicates ) Supporting credit report excerpts Under 15 U.S.C. 1681c-2, the consumer reporting agency is required to block all information that resulted from identity theft within 4 business days of receiving the proper documentation. Today is XX/XX/year>, Day 5 well beyond the statutory deadline, and the disputed items remain.

This failure to comply is a clear violation of federal law and subjects the bureaus to liability for {$1000.00} per violation under 15 U.S.C. 1681n and 1681o. I am escalating this matter to the CFPB to enforce immediate removal and to preserve my right to file suit.

The items in dispute include items in attachment on initial report I am requesting the CFPB to take immediate enforcement action to compel deletion of these items from my credit reports and ensure compliance with the FCRAs identity theft blocking provision.

Attachments Provided : 1. FTC Identity Theft Report 2. Dispute letters ( dated XX/XX/year> ) 3. Proof of ID & address 4. Credit report excerpts highlighting disputed items 5. Proof of mailing/delivery receipts ( See Attachments )

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