vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
I am disputing an inaccurate address on my credit report that was added during a tri-merge setup. The address is : XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX This address is not associated with any open or closed accounts and appeared due to a data entry error. I have since re-trimerged with my correct address. This address is not valid and should not be listed. I have attempted to dispute directly with the credit bureaus, but I am still seeing this address reflected on my reports.

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 2025-06-13 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: 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 non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing with urgency to demand an immediate investigation and correction of inaccurate information that is currently being reported on my credit file. I am absolutely stunned to see an entry that is not only incorrect but harmful to my credit reputation, which Ive worked hard to maintain. 

This is not a minor oversight this is an error thats negatively impacting my financial profile and, frankly, its unacceptable. Im attaching documentation to back up everything Im stating here.

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 2025-06-13 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue XXXX  and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT  OF ED/XXXX  XXXX, DEPT OF EDXXXX 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 2025-06-13 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: CA

Complaint narrative:
I paid this loan in full in XX/XX/year>, yet the following inaccurate information remains on my credit report : Incorrect balance : {$110.00} is still being reported even though the account has been paid in full. 
Incorrect status : Still showing as Open and Needs Attention despite being paid.

Incorrect payment status : Marked as XXXX days late, even though it also states Ive made 100 % of payments on time. 

These inconsistencies are misleading, contradictory, and harmful to my credit profile. 

FCRA Violations : Possible Finance is failing to comply with the FCRAs accuracy and updating requirements : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Information furnished must be accurate.

1681s-2 ( a ) ( 2 ) : Furnishers must update and correct any information found to be inaccurate.

1681i : The credit bureau must reinvestigate any disputed items that are incomplete or inaccurate. 

Reporting a paid account as open and late, while simultaneously noting 100 % on-time payments, violates these standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent transactions, someone is using or has all my personal information including cards, driver 's license, ITIN number, date of birth, mailing address, all my information, they have even made purchases trying to sign in my name. 
Citi Bank did nothing and also didnt provide me with information about the fraudulent charges. Citi Bank took the easy way out by avoiding all responsibility and closing my accounts even though there was a balance inside the account and not giving me any information at all.

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 monetary relief
Consumer complaint received 2025-06-13 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:
am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I deposited 4 Checks and on the same person and 3 of the checks got returned to bank. This put my account over drawn. I went in the branch to make deposit to cover the over draft and they refused to accept my deposit. Told me the account had been frozen. Then on XX/XX/year> a direct deposit from Social Security came in and they unfroze the account and accepted the deposit from SSA and then froze the account again. They then decided to end the relationship which they have a right to do. I wanted to withdraw the money that was the balance after covering the overdraft. They said no. I could not withdraw my money. They said they would mail me a cashier 's check. It has been 10 days since they ended the relationship and still don't have the cashier 's check. I have ask about tracking number of check and they say there is none. SSA is the only income I have and according to SSA the bank is not allowed by federal regulations to hold my funds. I can't pay my utilities, and I can't buy groceries, can't pay my insurance, can't pay my car payment. Since they are not following Federal Regulations, I need them to release my funds immediately. The Bank that is doing this is PNC Bank. After 14 years and they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
I am disputing the inaccurate reporting of my XXXX XXXX account. Despite paying off the full balance of {$3100.00} which I have verified through payment confirmations, my XXXX account dashboard, and a XXXX-dollar balance statement all three credit bureaus continue to report a balance of {$3500.00}. 

This is materially inaccurate and violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) Furnishers must report with maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers must correct or delete any information they determine is inaccurate or incomplete after a dispute. 

Metro 2 Guidelines ( Field 11 & Field 17 ) A XXXX balance must reflect correct payment status, and paid accounts can not be coded with open balances. 

Additionally, I was never late on this account. However, Equifax and XXXX  inaccurately report a 120-day delinquency. This is unsupported by any actual payment history. My payment record since the account opened on XX/XX/year>, has been consistent and compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
I am disputing the inaccurate reporting of my XXXX XXXX account. Despite paying off the full balance of {$3100.00} which I have verified through payment confirmations, my XXXX account dashboard, and a XXXX-dollar balance statement all three credit bureaus continue to report a balance of {$3500.00}. 

This is materially inaccurate and violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) Furnishers must report with maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers must correct or delete any information they determine is inaccurate or incomplete after a dispute.

Metro 2 Guidelines ( Field 11 & Field 17 ) A XXXX balance must reflect correct payment status, and paid accounts can not be coded with open balances. 

Additionally, I was never late on this account. However, XXXX  and XXXX  inaccurately report a 120-day delinquency. This is unsupported by any actual payment history. My payment record since the account opened on XX/XX/year>, has been consistent and compliant.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing the inaccurate reporting of my XXXX XXXX account. Despite paying off the full balance of {$3100.00} which I have verified through payment confirmations, my XXXX account dashboard, and a XXXX-dollar balance statement all three credit bureaus continue to report a balance of {$3500.00}. 

This is materially inaccurate and violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) Furnishers must report with maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers must correct or delete any information they determine is inaccurate or incomplete after a dispute.

Metro 2 Guidelines ( Field 11 & Field 17 ) A XXXX balance must reflect correct payment status, and paid accounts can not be coded with open balances. 

Additionally, I was never late on this account. However, XXXX and TransUnion inaccurately report a 120-day delinquency. This is unsupported by any actual payment history. My payment record since the account opened on XX/XX/year>, has been consistent and compliant.

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 2025-06-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXdischarged Reference # : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXdischarged Reference # : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-13 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 DPT EDXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief