vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SC

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 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 : 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 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 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 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, 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 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 status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Reporting Request for Investigation * * To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate and unlawful reporting of an account appearing on all three credit bureaus under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX 

This account is being reported as a * * collection account every month * *, which is unlawfully extending the statute of limitations under federal law. Additionally, each bureau is reporting this account with * * different information * *, which violates the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) * *, which requires accurate and consistent reporting across all credit reporting agencies.

Furthermore, this debt was allegedly purchased by a debt collector and placed on my credit report * * without providing me proper notice or the opportunity to challenge or validate this debt * *. This action is in direct violation of the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, which requires debt collectors to provide consumers with validation of the debt before continuing collection activity, including credit reporting.

Under * * FCRA 611 ( 15 U.S.C. 1681i ) * *, I am requesting a reinvestigation into this account. Specifically : 1. What steps did the furnisher and the bureaus take to ensure the accuracy of this account?

2. Where are the documents used to validate and verify the accuracy of this debt?

3. Why has this account been continuously reported in a manner that unlawfully re-ages the debt?

I am demanding that you provide me with copies of all documentation used to validate this debt * * within 10 business days * *. If the account can not be properly validated in compliance with federal law, it must be * * immediately deleted from all three credit reports * *.

This inaccurate reporting is causing harm to my credit standing, and I am requesting the CFPBs assistance in holding the furnisher and credit bureaus accountable for these violations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On many occasions I tried to contact Experian. They do not have customer service, and AI does not address my problem. I filed a complaint with XXXX XXXX. 
I received an email from Experian stating my complaint was resolved. Which means absolutely nothing was done. They refuse to add my credit cards and my car loan to my credit report. This is causing me pain as I had to pay a higher interest rate due to Experian not reporting properly and my need for a car. This has been over 30 days and Experian need to have a human being look into this.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Complaint Against PNC Bank Regulation E Violations On XX/XX/year>, I was charged {$71.00} by XXXX for a hotel reservation. The hotel canceled my stay because I could not provide the security deposit, so I never received the service I paid for. 

I disputed this transaction with PNC Bank. PNC denied the dispute stating that I authorized the transaction, but they did not address the fact that the service was not provided. 

PNC violated Regulation E ( 12 CFR 1005.11 ) by : Failing to issue provisional credit after XXXX business days while their investigation was pending. 

Failing to provide written notice of the results of the investigation within XXXX business days. I only learned of the denial by calling customer service. 

Failing to properly investigate, denying the dispute based solely on authorization rather than whether I received the goods/services. 

I am requesting : Immediate credit of {$71.00} to my account. 

A copy of the denial letter that PNC was required to send but never did. 

A reinvestigation of the transaction under full compliance with Regulation E. 

PNCs mishandling of this dispute has caused financial hardship and ignored my rights as a consumer under federal law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c2 ) that you, the TransUnion 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 : 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 : {$380.00} 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: 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: OK

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year>

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I went to an ATM located on XXXX XXXX. 
I insert my card and it was locked so the transaction did not go through with first attempt I had an error code come up on ATM as XXXX. The atm did not dispense money. 

I reinsert my card and the transaction went through. The charge was XXXX. I went to my chime account days later and noticed I was missing money. So I filed the dispute. During the dispute I gave the agent the code I saw on the ATM as well as proof of the denial. 

A credit was given an then reversed when the documents were given showing I only received XXXX payment of XXXX I reached out to chime and they have given no 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: CL Holdings LLC
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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern, I am writing in response to your phone call dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt, including all the required information to substantiate your claim. 
Please provide the following : 1. The name of the original creditor and the account number.

2. A copy of the original contract or agreement showing I agreed to the debt.

3. The amount of the alleged debt, including an itemized breakdown of charges, fees, interest, and payments.

4. Proof that you are legally authorized to collect this debt in my state.

5. A copy of the judgment, if applicable.

6. The chain of custody or documentation showing the transfer of the debt from the original creditor to your agency.

Please note that under the FDCPA, collection activity must cease until you provide proper validation of this debt. I also request that all future communications be in writing only. 
Be advised that I am keeping records of all communications for my protection. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief