vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of all fraudulent and unauthorized accounts or inquiries appearing on my credit report as a result of the recent TransUnion data breach. I was directly affected by this breach, and my personal identifying information was compromised without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing these 2 accounts being listed by LVNV Funding LLC as they are clear and unlawful duplicates of accounts already reported by The XXXX of XXXXi and are severe violations. I have never had a contract with this debt collector for any debts. The original accounts for these debts are listed elsewhere on my report as charge-off accounts from " THE XXXX  OF XXXX  XXXX XXXX The " Date of First Delinquency '' for an LVNV ( XX/XX/year> ) account matches an account listed by The XXXX  of XXXX  listed on my credit file. The same is true for account ( XX/XX/year> ). This too is being reported twice and is a duplicate of an account also being listed by " THE XXXX  OF XXXX  ''. The Fair Credit Reporting Act requires that information be accurate and not misleading. Double-reporting a single debt is a fundamental inaccuracy that grossly inflates my apparent debt burden, violating 15 U.S.C. 1681e ( b ). The FCRA prohibits the double-reporting of the same debts by both the original creditor and the debt buyer after charge-off and sale. This creates a grossly inaccurate picture of my liability, making it appear I owe the debt twice. This violates 15 U.S.C. 1681e ( b ). Furthermore, the " Date of First Delinquency '' on LNVN accounts aligns with the original accounts, confirming they are the same obligation. The " Credit Limit '' for LNVN is reported as {$0.00}, which is illogical for a collection account and further demonstrates the sloppy, unverifiable nature of this data. LVNV Funding, as a debt buyer, can not create a new " account ''. They have purchased a charged-off balance. The reporting of these as separate accounts with {$0.00} credit limit is nonsensical and verifiable. I demand the immediate deletion of the 2 LVNV Funding accounts listed on my credit file, as the original, charge-off accounts are the only permissible entries for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE Bank Credit Card Charge-Off Acct # : XXXX * * * * Balance Reported : {$730.00} Status : Closed Collection/Charge-off Dispute resolved/ unpaid loss by grantor Violations/ Inaccuracies Mixed payment-history grids : TU shows no lates ; EX shows XXXX ; EQ shows XXXX FCRA 623 ( a ) ( 1 ) ( A ) inconsistent / inaccurate data between CRAs. 

Continuous CO reporting for XXXX though last payment XX/XX/year> illegal re-aging / inaccurate DOFD FCRA 605 ( c ) Data-furnisher failed to report month-by-month accurately FCRA 607 ( b ) Violation Amount : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am filing a complaint against PNC Bank for mishandling my dispute regarding an unauthorized withdrawal of {$1000.00} from my account.

I reported the unauthorized transaction and filed a dispute according to PNCs process. However, my dispute was denied three times, and each time I received little to no explanation. I never received any written notice, email, or phone call explaining why the claim was denied or what investigation was conducted.

I called customer service three separate times, but representatives only told me that my claim was denied without providing any supporting details or documentation. The lack of transparency and communication has left me with no understanding of how PNC reached its decision.

I believe PNC Bank failed to comply with the requirements under Regulation E of the Electronic Fund Transfer Act ( EFTA ), which requires a written explanation of investigation results when a consumer dispute is denied. 

I am requesting that the CFPB investigate PNC Banks handling of this matter and require the bank to : 1. Provide a written explanation and evidence supporting the denial of my claim.

2. Conduct a fair review and reconsideration of my unauthorized withdrawal dispute.

3. Ensure compliance with all consumer protection standards under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I dispute the inconsistent and inaccurate Mortgage Reporting. I dispute the payment history and status of my mortgage account. The data is internally inconsistent and therefore inaccurate. The account " Stauts '' is reported as " Pays As Agreed. '' However, the 24-month history repeatedly shows a " Past Due Amount '' ( e.g., {$1500.00} in XX/XX/XXXX ). An account with a past due balance can not, by definition, be " Pays As Agreed. '' This contradiction makes the information misleading and unverifiable, violating 15 U.S.C. 16813 ( b ). The payment history grid shows a significant number of late payments ( 30, 60 days ) in XXXX, XXXX, and XXXX. However, the 24-month history table frequently shows a " Past Due Amount '' ( e.g., {$1500.00} in XX/XX/XXXX, {$2500.00} in XX/XX/XXXX ) while the " Status '' is " Pays as Agreed. '' This is a direct contradiction. An account can not be " Pays as Agreed '' while simultaneously having a past due balance. This internal inconsistency renders the information inaccurate and unverifiable under 15 U.S.C. 1681e ( b ). It appears the servicer may be applying payments in a manner that creates these discrepancies, which could also implicate issues under * * 15 U.S.C. 1666b * * ( Credit of Payments ) of the Truth in Lending Act ( TILA ). The conflicting data calls the entire payment history into question. I request that you investigate with the furnisher to reconcile these discrepancies and ensure the payment history and status are being reported accurately and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Request for deletion of inaccurate personal information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) Name on file : XXXX XXXX XXXX Only correct name : XXXX XXXX XXXX Only correct address : XXXX XXXX XXXX XXXX, XXXX FL XXXX I am disputing multiple inaccurate personal identifying entries on my Experian consumer file. I am the consumer identified above. The only correct legal name for me is XXXX XXXX XXXX and the only correct address for me is XXXX XXXX XXXX XXXX, XXXX FL XXXX. All other names and addresses currently listed on my file are incorrect, inaccurate, and must be deleted. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I demand that Experian immediately reinvestigate and delete any and all inaccurate or unauthorized personal identifying information. Specifically, remove every name and address entry that is not exactly XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX FL XXXX from my consumer file. If any furnisher supplied the incorrect information, notify each furnisher to correct or cease reporting that information to the credit reporting agencies and to confirm in writing that they have done so. 

I am providing the following documents to verify my identity and residency ( attached ) : Government-issued photo ID ( passport ) showing XXXX XXXX XXXX XXXX 
Proof of current residence matching the above address ( bank statement ). 

Please complete your reinvestigation and remove the inaccurate items. I request written confirmation of your actions and a copy of my corrected consumer disclosure showing the deletions. I further request that you provide me with the name, address, and telephone number of any furnisher you contacted and copies of any updated data you provided to other consumer reporting agencies. 

I expect this to be completed without delay. Please treat this as a formal dispute under the FCRA and provide written results of the reinvestigation to me at the contact information I submitted with this dispute. I also demand that you remove any and all ACTIVE Fraud Alerts from my credit file within 24 hours of reciept! Attached is my ID, Social and Proof of Address!

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 2025-10-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. These items are not transactions conducted by me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
I have disputed the first time on XX/XX/year> The second time XX/XX/year> Third time XX/XX/year> And last time XX/XX/year> XXXX XXXX has deleted and removed the collection from my history and I provided the dates when disputing. 
I have also offered to negotiate with the agency for a pay to delete. I have not had any contact to show proof for effort to resolve the collection accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On or around XX/XX/year>, Equifax reported an extreme XXXX point score drop even though my XXXX XXXX payment history was corrected positively to current. The report itself confirms that the update improved my payment history, yet XXXX system recalculated my score incorrectly, temporarily showing a score of XXXX. This appears to be a serious data re-aging or scoring algorithm error. 

When I contacted Equifax by phone, the representative identified himself only by first name which is XXXX and refused to provide his employee ID or reference number, which violates Equifaxs own consumer transparency policies. During the call, he also misrepresented my actual credit score, falsely stating he saw a much lower score even though my verified myEquifax dashboard ( screenshot attached ) clearly shows a XXXX score as of XX/XX/year>, up XXXX points.

Equifaxs actions violate FCRA 611 ( a ) and 623 ( a ) ( 2 ) by failing to ensure accuracy, transparency, and proper reinvestigation procedures. In addition, Equifax continues to omit my active XXXX tradeline, which is correctly reported to both XXXX  and XXXX, further demonstrating incomplete and inconsistent data reporting. 

I am requesting that Equifax : 1. Correct its internal scoring data to remove the erroneous XXXX / XXXX point recalculation. 
XXXX. Provide written documentation of the reinvestigation and the sources used to verify the XXXX XXXX tradeline update. 
XXXX. Provide written identification or verification of the Equifax representative who handled my XX/XX/year> call. 
XXXX. Ensure my XXXX tradeline is properly reflected to maintain data accuracy across all three bureaus. 

These repeated issues show a pattern of mishandling disputes and misreporting credit data, which has caused measurable harm to my credit standing. I request full CFPB review of Equifaxs compliance with federal law under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
I am the victim of identity theft involving fraudulent federal student loans opened in my name. On or around XX/XX/year>, I discovered that loans totaling approximately {$12000.00} were originated under my name through the XXXX XXXX XXXX XXXX  and serviced by XXXX. These loans are associated with XXXX University, an institution I have never attended or applied to. 

The fraudulent activity began with a XXXX submission on XX/XX/year> using my identity but a false email address ( XXXX. XXXX loans were disbursed on XX/XX/year> ( XXXX XXXX and XXXX XXXX ). I have never completed any entrance counseling, signed Master Promissory Notes, or consented to any financial aid applications. 

I have filed a formal dispute with Equifax and notified XXXX fraud department, attaching documentary evidence of the identity theft. I have also frozen my credit files and prepared a police report. Due to the current federal government shutdown, I am unable to file an official FTC report at this time but have prepared a written Identity Theft Statement in its place. 

I am requesting that XXXX XXXX Department and the XXXX XXXX XXXX XXXX suspend all loan activity, cease any reporting to credit bureaus, and remove these fraudulent loans from my record once the investigation confirms the identity theft. 

I am seeking confirmation that my name and credit will not be adversely affected, and that XXXX has escalated this case to its fraud and compliance division for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-10-05 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: MD

Complaint narrative:
Accounts in Dispute XXXX  Ref : XXXX Opened : XX/XX/XXXX Balance : {$1900.00} XXXXXXXX Ref : XXXX Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Balance : {$310000.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Balance : {>= $1,000,000} XXXX Ref : XXXX Opened : XX/XX/XXXX Balance : {$16.00} XXXX  Ref : XXXX XXXX : XX/XX/XXXX Balance : {$1900.00} XXXX  Ref : XXXX Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Ref : XXXX Opened : XX/XX/XXXX Balance : {$35000.00} I dispute the accuracy of the accounts listed above. I previously requested investigations or removals, but TransUnion has failed to provide any documentation, verification, or meaningful corrections. The accounts remain on my credit report with inaccurate or unverified information.

TransUnion has not : Disclosed the method of verification used for any account.

Identified the person ( s ) or entity ( ies ) contacted to verify these accounts.

Provided copies of documents, account applications, payment histories, or other records relied upon in verification. 

These failures violate the Fair Credit Reporting Act ( FCRA ). I do not consent to automated-only handling ( e.g., e-OSCAR ) and request that all disputes be reviewed manually by a qualified representative.

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 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX Subject : Unauthorized Hard Inquiries on My TransUnion Credit Report I am filing this complaint because there are multiple unauthorized hard inquiries on my TransUnion credit report that were made without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX I did not apply for new credit with these institutions, nor did I authorize them to obtain my credit report. These inquiries were made without my written consent, violating my rights under the FCRA Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( f ) It is unlawful for any person to obtain a consumer report unless it is for a purpose authorized by the consumer or permitted by law.

15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency may only furnish a report with the consumers written authorization.

15 U.S.C. 1681i ( a ) I have the right to dispute any information, and the credit reporting agency must investigate and remove unverifiable items within 30 days.

15 U.S.C. 1681n & 1681o Creditors or agencies that negligently or willfully violate the FCRA are subject to damages and penalties.

These repeated unauthorized pulls have negatively impacted my credit score, and I am requesting full removal and written confirmation of compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation