vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act related to identity theft and illegal reinsertion of previously blocked accounts.

I submitted valid identity theft documentation, including an FTC Identity Theft Report and a notarized identity theft affidavit, disputing multiple XXXX XXXX accounts that I did not open, authorize, or personally guarantee. Based on this documentation, Experian blocked and deleted the XXXX XXXX accounts from my personal credit report. 
On XX/XX/year>, Experian confirmed in writing that the XXXX XXXX accounts were blocked and deleted due to identity theft. Screenshots from Experians system also show the accounts marked as Deleted. 
On XX/XX/year>, Experian issued an additional warning notice related to these same accounts, further confirming Experians knowledge that the accounts were associated with identity theft.

Despite this, Experian later reinserted the same XXXX XXXX accounts and subsequently reported them as accurate. Experian did not provide any written certification of accuracy, did not disclose the method of verification, and did not provide the required reinsertion notice within five business days.

Under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), information that has been blocked due to identity theft may not be reinserted unless the furnisher certifies the information as accurate and the consumer is properly notified. Experian failed to meet these legal requirements. 
Additionally, the XXXX XXXX accounts being reported are business-related accounts and were not personally guaranteed by me. Business debt is not consumer credit and should not be reported on my personal consumer credit file.

The disputed accounts include multiple XXXX XXXX accounts, including accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These accounts were previously deleted and then improperly reinserted. 
Experians actions constitute illegal reinsertion, failure to conduct a reasonable reinvestigation, and continued reporting of inaccurate information after receiving valid identity theft documentation.

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 2025-12-29 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
I am filing this formal complaint againsXXXX XXXX XXXX XXXXXXXX XXXX for willful reporting of inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). I have a legal Satisfaction of Judgment ( XXXX # XXXX ) which confirms that this debt was satisfied in full. Despite this court order and my repeated attempts to resolve the error, the company continues to report the status as 'Settled-less than full balance '. 
Representatives from Heights Finance have acknowledged the inaccuracy via email, yet they have failed to update the record. 
On XX/XX/year>, I sent a formal notice to Heights Finance ( see XXXX  XXXX ) detailing the reporting error and providing the Satisfaction of Judgment. Despite this direct outreach, the company has failed to update my report, demonstrating a reckless disregard for the accuracy of my credit data. 
Because they are reporting data that directly contradicts a legal judgment and their own designated legal representative 's transcript ( XXXX XXXX ), the account is factually inaccurate and legally unverifiable. 

Enclosed Evidence Documentation : Attachment XXXX ( XXXX XXXX XXXX ) : A legal court order for Case # XXXX confirming the debt is Satisfied in Full. This legally overrides any " Settled '' status. 
XXXX  XXXX ( XXXX XXXX XXXX XXXX ) : An official ledger from the creditors own legal representative showing a {$0.00} Balance Due. 
XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Evidence of the current inaccurate reporting status ( " Settled for less than full balance '' ) which contradicts the legal documents provided in XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX : Proof of Notice to Heights Finance XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX, Equifax, Experian, and TransUnion for continued inaccurate and unverifiable credit reporting despite multiple prior disputes and prior CFPB escalation. 

This mortgage account is reported across all three credit bureaus as open, current, and {$0.00} past due, yet XXXX XXXX  XXXX continues to report multiple 30-day late payments in the payment history. Reporting delinquency while simultaneously stating that an account is current and not past due is internally contradictory, materially misleading, and not maintained with maximum possible accuracy.

Despite repeated disputes and CFPB complaints, neither XXXX XXXX  XXXX nor the credit bureaus have produced any documentary evidence to substantiate the alleged late payments, including : Billing statements for the months in question Payment due dates Proof of mailing or delivery of billing statements Payment posting records showing an actual delinquency XXXX XXXX  XXXX has also failed to demonstrate compliance with the Fair Credit Billing Act, which requires that billing statements be issued at least 21 days prior to the payment due date for a late payment to be lawfully assessed or reported. Verifying late payments without proof of timely billing notice does not constitute a reasonable reinvestigation. 

Additionally, this tradeline reflects conflicting dispute remarks and statuses across Equifax, Experian, and TransUnion, including statements such as account not disputed, dispute resolved, and consumer disagrees. These contradictions confirm reliance on automated or procedural responses rather than a substantive, individualized investigation as required by law. 

By continuing to report unverifiable late payments after repeated disputes and regulatory escalation, XXXX XXXX  XXXX and the credit bureaus are violating : FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information that is not accurate or verifiable )

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 2025-12-29 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: LEXISNEXIS
State: SC

Complaint narrative:
I am filing this CFPB Complaint to report 2 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : XXXX. XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I filed a complaint against PNC bank for a check that was deposited and later flagged by PNC as fraud. After filing the complaint, the bank ( My work 's bank ) got in contact with PNC and have worked to resolve the issue, return the funds back to XXXX XXXX  so they can deposit to my account. PNC has not responded back and I am now waiting for a legal, rightful funds that I earned since XX/XX/year>. PNC has made the process extremely difficult and even though the company I work for and their bank have complied with all PNC 's request, the funds are still not returned and I need those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My auto loan payments with Mazda Financial Services are made through automatic bank withdrawals ( ACH ). The funds are successfully deducted from my bank account each month, however those payments have not been properly credited to my loan account.

I have bank statements and ACH confirmations proving that the payments were withdrawn and delivered. Despite this, Mazda Financial is indicating that payments were not made.

This is a payment processing or misapplied payment error, not a failure to pay on my part. I am requesting a full payment investigation, immediate correction of my account balance, removal of any late fees or penalties, and confirmation that my credit will not be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Best buy denied my store credit application and did not give me a reason i was told get letter in mail

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 2025-12-29 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: William Raveis Real Estate
State: CO

Complaint narrative:
For several years, XXXX has repeatedly contacted me and issued bills in an apparent attempt to collect funds for an account that I never opened and for which I have no contractual relationship with the company. Despite my lack of authorization or responsibility for this account, XXXX has continued to pursue payment, which I believe constitutes ongoing harassment and improper billing practices. 

The billing activity appears to be tied to the property located at XXXX XXXX XXXX, XXXX, MA XXXX. I dispute any responsibility for charges associated with this property, particularly in light of the fact that my ownership interest was unlawfully taken through mortgage fraud, as described in my prior complaints. The property was seized by XXXX at the beginning of XXXX. 

Based on the timing, coordination of parties, and documentation involved, I am concerned that XXXX  billing and collection actions may be connected to or reliant upon the same fraudulent records and transactions involving XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX 

I recently received another bill from XXXX without explanation, further demonstrating that this matter remains unresolved. I formally dispute the debt in its entirety and request a full investigation into the origin of the account, the basis for billing me, and any reliance on fraudulent or inaccurate property or ownership records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I left my ex-husband in XXXX and divorced in XXXX. He was court ordered to pay all bills related to the home after I left. Apparently he did not pay a XXXX internet bill or return the equipment. I just received notice that I was put in collections for this amount, however I was never notified that there was a debt owed. I received no communication from the company before being put into collections.

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 2025-12-29 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: MO

Complaint narrative:
I am filing a complaint against Equifax Information Services LLC regarding an inadequate and unreasonable reinvestigation of inaccurate credit reporting. 

I disputed a charged-off credit card account on my Equifax credit report due to inconsistent and misleading reporting. Equifax responded that the account was verified, however Equifax simultaneously admits that multiple core data fields were modified during the reinvestigation. 

In Equifaxs dispute results letter, Equifax states that the following fields were modified : additional information, actual payment, date of last payment, date of major delinquency first reported, historical account information, account history, and portfolio status. Equifax also changed the reporting code from CO to L across multiple years. 

Despite these material changes, Equifax still claims the account was reported correctly and provided no explanation for how the information was verified, what documentation was reviewed, or why corrections were necessary if the reporting was accurate. 

Equifaxs response contains internal contradictions, including describing the account as closed at consumer request while also reporting the account as a charged-off loss. An account can not be both closed at the consumers request and charged off for nonpayment.

Equifax appears to have relied solely on automated verification from the data furnisher without conducting a reasonable investigation, which does not satisfy Equifaxs obligations under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ). Simply stating that information was verified while materially altering account history does not demonstrate a reasonable reinvestigation. 

I am requesting that Equifax : Conduct a reasonable and fully documented reinvestigation of the disputed tradeline ; Provide a clear explanation of the method of verification used, including whether the investigation was automated ; or Delete or correct any information that can not be fully and accurately verified. 

Please assist in ensuring Equifax complies with its obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a XXXX XXXX check for {$7300.00} from XXXX, the XXXX equivalent to the IRS. The bank didn't care and held the check until it will be cleared and I have been told this will probably be 10 weeks!!!!!!!! seriously in this day and age. Because of this I attempted to get a loan and unfortunately because of my desperation I fell victim to a scam. The bank accepted 2 deposits but held the third. when the third one did not go through they returned the two prior ones that they had previously accepted and were in my account not pending and made my account $ XXXX overdrawn. I asked for help on the XXXX got a reply on the XXXX but nothing since. I don't believe I should be liable as they also dropped the ball but I indicated that if I had to could they convert to a loan. still no answer and on the XXXX my social security payment was offset against the overdraft. Therefore my auto insurance renewal failed among many other rejections. I am XXXX, rely on social security to live and my car to go to the grocery store. I need procedures on both my knees and struggle to walk. My XXXX day meal was scrambled eggs on toast. They have steadfastly ignored me and could not be bothered to even send an e mail saying that they were still looking into it. I am horrified and disgusted with Truist bank, their online reviews are awful and my concern is that they will just close my account even though Social Security need some 2-3 months to re route the payment. Please help!!!!!!!

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