vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
I am submitting this formal complaint against TransUnion, Experian, and Equifax for reporting inaccurate late payment history on my XXXX XXXX XXXX XXXX account, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account in Dispute : Creditor : XXXX XXXX XXXX XXXX Account Type : Auto Loan Account Status : Marked with 60-day lates Discrepancies : TransUnion : Reports the account as Late 60 Days as of XX/XX/XXXX Experian : Also lists Late 60 Days but with a different last reported date XX/XX/XXXX Equifax : Reports Late 60 Days as of XX/XX/XXXX These inconsistencies across credit bureaus are a clear violation of 15 U.S. Code 1681e ( b ), which requires the bureaus to maintain procedures to ensure maximum possible accuracy of consumer information. 

Legal Violations : 15 U.S.C. 1681e ( b ) : The information being reported is inconsistent and can not be considered accurate when three different bureaus show different late dates.

15 U.S.C. 1681i ( a ) : I have previously disputed this account, but none of the bureaus have deleted or corrected it. No supporting documentation from XXXX XXXX XXXX XXXX has been provided. 

15 U.S.C. 1692e : To the extent that any late information was supplied by a third-party servicer, the failure to validate the debt before reporting late payments constitutes misleading representation. 

Reason for Removal Request : No late payment occurred I was in active communication with XXXX XXXX and had made timely payments or arrangements during the period in question. 

Deceptive inconsistency The same account can not be late on three different dates across different bureaus. 

Improper investigation Despite my prior disputes, no documentation was provided by XXXX XXXX to support the derogatory reporting, which is required under federal law. 

Reputational and financial damage The inaccurate data has caused credit denials and higher loan interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never heard of XXXX, but my credit & emails are stating that I have a credit card with them. Only credit card I have & applied for is a XXXX XXXX credit card.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
On XX/XX/year>2025 I am looking over my credit report unit auto is not reporting my information correctly. All three bureaus is reporting and accuracy information on my credit report. I sent the dispute letter to XXXX XXXX. I sent the dispute letter to XXXX I sent dispute letter to XXXX  I sent the letter to United auto no one has yet to update my credit report. It is still showing an accurate information. 

Iam writing to challenge the reporting and complaint on an account with united auto, all three of the credit bureaus that is being reported on my credit report with inaccurate in correction information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I have submitted all the documents to PNC Bank for Mortgage Application but at the end they denied the application saying that can't verify the address. Spent lot of time in submitting the documents and finally they showed partiality by not approving it. 

No company is issuing a letter saying that employee is working from home but got below email and denied my application == Thanks for sending in the responses. Please see the documentation we need and scan back when you get a chance. We need letters from both Employers verifying you can remotely. 

Thanks and have a great day! 


Please have the borrower provide remote working letters from both employers XXXX XXXX XXXX Senior Mortgage Loan Officer ( MLO ) XXXX ID : XXXX Home Lending Center ==

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to properly address a credit dispute I initiated in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding a XXXX XXXX XXXXXXXX credit account reported on my credit file with a balance of {$4300.00}. In my dispute, I requested verification that this debt belonged to me. I also stated that if Equifax could not verify the accuracy of the account, it should be deleted from my credit report pursuant to FCRA regulations. 

Equifax marked the investigation as completed on XX/XX/XXXX, but I was not provided with any written explanation or online update through the Equifax portal regarding the outcome of the investigation. 

Due to the lack of resolution or response, I submitted a second dispute on XX/XX/XXXX, again requesting that the item be deleted if it could not be properly verified. Equifax marked this second dispute as completed on XX/XX/XXXX, but once again, no written response or details were provided to me, either by mail or through the Equifax online portal. 

This lack of communication and resolution is a direct violation of my rights under the FCRA, which requires credit reporting agencies to conduct a reasonable investigation and provide the consumer with the results of that investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Payment Reporting Request for Immediate Correction To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, concerning inaccurate information that has been reported on my credit file. After reviewing my credit reports, I noticed multiple incorrect late payment entries that do not reflect my actual payment history.

I am requesting that the following inaccuracies be investigated and corrected immediately : 1. XXXX ( Opened XX/XX/XXXX | Limit : {$3500.00} ) Late payment incorrectly reported for XX/XX/XXXX I made every payment on time ; this is a reporting error. 
2. XXXXXXXX XXXX ( Opened XX/XX/XXXX | Limit : {$15000.00} ) Late payments incorrectly reported for XXXX and XX/XX/XXXX My account history confirms consistent, timely payments with no delinquencies. 
3. XXXX ( Loan, Opened XX/XX/XXXX | Highest Balance : {$100.00} ) Late payments reported for XXXX and XX/XX/XXXX These are inaccurate ; all payments were made on or before the due dates. 
4. XXXX ( Credit limit : {$350.00} ) Multiple inaccurate late payments reported in XXXX and early XXXX I have never missed a payment and demand this data be corrected to show 100 % on-time payment history. 

This false reporting is a violation of 15 U.S.C. 1681e ( b ), which requires that only accurate and verified information be reported. Continued reporting of these inaccuracies is not only negligentits damaging.

I am invoking my rights under 15 U.S.C. 1681i ( a ) to request an immediate reinvestigation. If these errors are not corrected within the time required by law, I will pursue action under 15 U.S.C. 1681n, which allows me to seek damages for willful noncomplianceincluding actual damages, punitive damages, attorney fees, and court costs.

These incorrect reports are affecting my access to housing, employment opportunities, and financial stability. If not corrected promptly, I am prepared to take legal action for the emotional and economic harm caused.

I request you update your records and confirm in writing that the derogatory marks have been removed and each of the accounts above now reflects a 100 % on-time payment history. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Driver License # : XXXX XXXX Without Prejudice

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 2025-05-17 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 recently obtained a copy of my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account : 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 2025-05-17 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: GA

Complaint narrative:
I recently obtained a copy of my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a money transfer to the wrong person and called Cashapp right away for help. They said they are not responsible and it was up to the other party if they want to send me my money back. {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I booked a prepaid car rental through XXXX, which was fulfilled by XXXX for {$500.00}. When I arrived at the XXXX location in Florida on XXXX XXXX XXXX, I was told I could not pick up the vehicle due to being under XXXX XXXX XXXX despite having already paid for the rental and never being asked for my age during booking. 

I offered to transfer the rental to my travel companion ( who was over XXXX ) or downgrade to a lower-tier vehicle I was eligible for. Both requests were denied by XXXX staff. Instead, a XXXX employee told me my best option was to contact XXXX for a refund and rent a different car elsewhere. I followed that advice in good faith. 

XXXX submitted a refund request, but XXXX denied it. I was then forced to pay over {$600.00} out-of-pocket for a new rental. I disputed the charge with American Express multiple times, explaining that I was denied service and misled by the merchant. AmEx sided with the merchant based solely on their terms and conditions, ignoring the fact that I never received the product and followed the employee 's advice. 

I am asking that AmEx issue a refund for the {$500.00} charge. I never received the service, and their dispute resolution process failed to account for the full context and financial impact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Capital One Auto Finance regarding a fraudulent auto loan account that was opened in my name without my knowledge or authorization. 

On XXXX XXXX XXXX I spoke with a representative from Capital Ones Office of the President. During our conversation, I explained that an auto loan had been fraudulently opened using my personal information. After conducting his own investigation, the representative confirmed that I was not responsible for the loan or any charges associated with it. 

He also assured me that Capital One would notify the credit bureaus to remove the account from my credit reports. I was informed that this process could take up to 90 days. However, it has now been well over that period, and I have not received any follow-up communication from Capital One. More importantly, the fraudulent loan still appears on my credit reports, negatively impacting my credit score and financial well-being. 

I am requesting immediate assistance from the CFPB to : Ensure that this fraudulent account is permanently removed from my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

Confirm that Capital One has closed and resolved the matter on their end. 

Investigate why Capital One has failed to follow through on their commitment and provide appropriate oversight to ensure compliance. 


Thank you for your time and assistance in helping resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On Friday XX/XX/year> I went into the Santander Bank on XXXX XXXX XXXX to withdraw some of my funds to feed my children. The Bank refused to help me and left my children hungry. That's problematic. I had an EBT card, social security card and the answer to my security questions. The Santander Bank at XXXX XXXX denied me any type of help on Friday the XXXX and Saturday the XXXX. As a result my children ended up hurt behind that.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/2025 Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Second Notice - Follow-Up Dispute of Inaccurate Personal Information To Whom It May Concern, This letter serves as a formal follow-up to my initial dispute submitted through the Consumer Financial Protection Bureau ( CFPB ) XXXX XX/XX/2025, concerning the inaccuracies on my Experian credit report. Despite providing a utility bill and a government-issued ID verifying my personal information, your records have not been updated to reflect the correct data, and your response has not resolved the matter as required under the Fair Credit Reporting Act ( FCRA ). 
Previously Submitted Documentation : Copy of my government-issued photo ID Current utility bill listing my accurate address Remaining Errors : 1. Incorrect Name Variation : o Reported : XXXX XXXX o Correct : XXXX XXXX 2. Outdated or Incorrect Addresses : o My correct current address is : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX o All other versions and unrelated addresses should be removed. 
3. Employer Information : o The following employers are outdated or incorrect : XXXX XXXX XXXX XXXX XXXX XXXX o My current employer is : XXXX XXXX XXXX As per the FCRA, Experian is obligated to conduct a reasonable investigation within 30 days of a dispute and notify me of the results. To date, I have not received confirmation of any such investigation or outcome. 
I now formally demand that the incorrect entries be either corrected or deleted immediately. If no action is taken within 15 days of receipt of this letter, I will escalate this matter by : Submitting a renewed complaint to the CFPB and FTC, Contacting my State Attorney General, and Considering legal remedies for violation of my consumer rights under federal law. 
Please send your written response, including a summary of any investigation conducted and the corrections made, to the address listed above and to my email. 
Sincerely, 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding the reporting of inaccurate, outdated, and unverifiable addresses on my credit reports by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to delete inaccurate or unverifiable information following a reinvestigation request. 

Correct Address ( to remain on file ) : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This is my current and only accurate address. All other addresses listed are either outdated, never mine, or tied to fraudulent activity or previous residents. 

Inaccurate Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX These addresses are inaccurate, outdated, or associated with mixed files. Despite previous disputes submitted directly to the credit bureaus, these addresses remain listed without sufficient verification or justification.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Hard Inquiries Demand for Immediate Deletion Under FCRA 604, 605B, 611 To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of unauthorized hard inquiries on my consumer credit reports maintained by your agencies. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting immediate removal of the following unauthorized inquiries : Inquiries to Dispute ( Unauthorized/ No Permissible Purpose ) : 1. XXXX XXXX  o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion 2. XXXXXXXX XXXX  o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion 3 XXXX XXXX ( XXXXXXXX ) o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion

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 2025-05-17 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: FL

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Hard Inquiries Demand for Immediate Deletion Under FCRA 604, 605B, 611 To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of unauthorized hard inquiries on my consumer credit reports maintained by your agencies. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting immediate removal of the following unauthorized inquiries : Inquiries to Dispute ( Unauthorized/ No Permissible Purpose ) : 1. XXXX XXXX  o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion 2. XXXXXXXX XXXX  o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion 3 XXXX XXXX ( XXXXXXXX ) o Date of Inquiry : [ Insert Date ] o Reported To : Experian and/or TransUnion

Company response to consumer: Closed with explanation