vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: SC

Complaint narrative:
In XX/XX/XXXX, PNC Bank issued me a new credit card account due to suspected fraud on my original PNC XXXX XXXX XXXX XXXX card. However, when PNC closed the old account, my autopay settings were automatically canceled without any clear notice. I was not informed that I needed to re-enroll in autopay for the new account, and I only discovered this after I returned from a work trip and found past-due notices in the mail. 

As a result, my minimum payments for XXXX and XXXX were unintentionally missed. I contacted PNC immediately, and a representative confirmed that autopay had been active on the old account and was XXXX during the account transition. While XXXX late fee was waived, PNC reported two delinquencies to the credit bureaus, which caused my credit score to drop from XXXX in XXXX to XXXX by late XXXX. 

I have since paid the account current and submitted a certified goodwill adjustment letter to PNCs Consumer Credit Bureau Investigation Office. Despite this effort, no correction has been made to my credit report, as PNC sent me a letter on XX/XX/XXXX stating that " they were unable to make a goodwill or courtesy adjustment to consumer credit reporting as a data furnisher and that they consider this matter resolved. '' I am respectfully requesting that PNC make a goodwill adjustment to remove the XXXX and XXXX late payment notations from my credit reports. These derogatory marks do not reflect my intent or ability to pay and were the direct result of PNCs failure to notify me about autopay cancellation. 

I understand that the CFPB has previously raised concerns about financial institutions terminating autopay without notifying customers, as it can cause precisely this kind of unintentional delinquency and credit damage. 

Thank you for reviewing this complaint. I hope this matter can be resolved fairly and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: DE

Complaint narrative:
On XX/XX/year>, I reviewed my Experian credit report and identified inaccuracies, specifically the XXXX XXXX account # XXXX ( and any related accounts ). 

On XX/XX/year>, I mailed a certified dispute letter requesting a reinvestigation of these items. Experian responded stating the accounts were verified and accurate. However, the response did not reflect a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), if information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must delete or correct the item. Because Experian failed to conduct a meaningful reinvestigation and did not provide adequate verification, this constitutes a violation of my rights under the FCRA.

Resolution Requested Please delete the XXXX XXXX account # XXXX and any other disputed accounts from my credit report, and provide me with written confirmation of these deletions.

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 2025-09-23 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: DE

Complaint narrative:
On XX/XX/year>, I reviewed my Experian credit report and identified inaccuracies, specifically the XXXX XXXX account # XXXX ( and any related accounts ). 

On XX/XX/year>, I mailed a certified dispute letter requesting a reinvestigation of these items. Experian responded stating the accounts were verified and accurate. However, the response did not reflect a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), if information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must delete or correct the item. Because Experian failed to conduct a meaningful reinvestigation and did not provide adequate verification, this constitutes a violation of my rights under the FCRA.

Resolution Requested Please delete the XXXX XXXX account # XXXX and any other disputed accounts from my credit report, and provide me with written confirmation of these deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NE

Complaint narrative:
My elderly parents purchased a {$100.00} giftcard for me at XXXX. The company name on the card is US Bank. It has never been useable. I have contacted the company three times now, twice in XX/XX/year> and again in XX/XX/year>. Each time they ask me to verify card ownership by providing pictures of my ID and of the card. I do so and the requests are denied. I have never gotten any money from the {$100.00} gift card. I contacted XXXX and they were unable/unwilling to help me.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I recently obtained a copy of my consumer report and found that your agency is furnishing inaccurate information. This notice serves as my formal refusal to pay the alleged debt you claim to be collecting. Pursuant to the Supremacy Clause, federal law governs and supersedes any conflicting state law or internal corporate policy. Your agency is strictly bound to comply with the Fair Debt Collection Practices Act ( FDCPA ) and related federal consumer protection statutes. Your conduct demonstrates clear violations of federal law, including but not limited to : 1. 15 U.S.C. 1692b ( 2 ) : Improperly representing that a consumer owes a debt. 2. 15 U.S.C. 1692c ( a ) : Communicating without my prior consent. 3. 15 U.S.C. 1692d : Engaging in harassing or abusive conduct in collection efforts. 4. 15 U.S.C. 1692 ( a ) : Invasion of consumer privacy. 5. 5 U.S.C. 552a ( b ) : Unauthorized disclosure of personal information without written consent. 6. 15 U.S.C. 1692e ( 10 ) : Use of false, deceptive, or misleading means in debt collection. 7. 15 U.S.C. 1692e ( 6 ) ( B ) : False representation that transfer or sale of a debt changes consumer protections. 8. 42 U.S.C. 408 ( a ) ( 8 ) : Unauthorized use or disclosure of my Social Security number. 9. 18 U.S.C. 3571 ( c ) ( 3 ) : Federal penalties applicable to unlawful conduct. Accordingly, the alleged account must be removed immediately from all consumer reporting agencies. Additionally, you are hereby required to produce the following documentation : 1. Complete and dated chain of title for the alleged account ; 2. The assignment agreement and legal proof of transfer ; 3. The original signed agreement bearing my signature ; 4. Evidence of your agencys legal ownership or standing to collect ; 5. IRS Form 1099-C reflecting any discharge of debt ; 6. All pooling and servicing agreements or trust documents evidencing securitization or transfer ; 7. The full account history from origination through present. You are further directed to cease and desist from all collection activity regarding this alleged debt, including calls, texts, emails, letters, and reporting to consumer agencies. Any further contact will constitute additional violations of 15 U.S.C. 1692c ( c ). Due to your unlawful and deceptive conduct, I demand that this alleged debt be waived and discharged in full. Your repeated violations of federal law justify this demand. An invoice for damages incurred as a result of your violations accompanies this notice. Failure to comply will result in immediate escalation, including regulatory complaints and civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-23 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts appearing on my credit report. I did not open or authorize these accounts, and their inclusion is false and damaging. They misrepresent my financial history and negatively affect my creditworthiness.

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 2025-09-23 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My credit report and my name were used by my old coworker and roomate to open a bunch of stuff that isnt mine. I would like to dispute these things and have them removed from my credit report. This has been a very dicult realization that I came to when I finally looked at my credit after so many years. Please help me get these things off of my credit because I didnt open these up.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
These accounts are not valid. When the original credit card was open and active, I disputed the charges with the creditor because they were fraudulent and not authorized by me. Despite my dispute, these accounts are now being reported by debt collectors as if I owe them. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because : I do not owe these debts. 
I disputed the charges while the account was active. 
The collectors have continued to report and/or attempt to collect without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-23 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-23 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account reported under my name. I have never opened, maintained, or consented to this account. Its reporting is false and damaging to my financial standing.

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