vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: VA

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MO

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I am writing to file a formal complaint against PNC XXXX XXXX XXXX XXXX .. regarding the withholding of funds from my PNC XXXX XXXX XXXX XXXX account, which is listed below. 

transfer amount {$82000.00} On the XX/XX/year>, I visited my local PNC Bank branch to make a wire transfer. The transaction was approved, and I was provided with a receipt confirming the wire. However, once I returned home, I discovered that the wire transfer had not been sent, despite the receipt showing it had been processed. 
Additionally, I noticed that the entire balance in my account was moved into ledger balance, and I was not given any explanation for why this occurred. I have tried contacting the bank multiple times for clarification, but I have not received a clear or satisfactory reason for the hold on my funds. 
This situation has created significant hardship because these funds are business funds, and I am unable to proceed with important obligations due to the banks unexplained actions. 
I respectfully request that your office review this matter and assist in obtaining a proper explanation and resolution from PNC Bank. 
Thank you for your time and attention. I appreciate any support you can provide. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
On XX/XX/25 a company called Central Portfolio Control contacted me through text messaging and acted as if they were contacting my mother and used her name. The text was to collect debt owed and provided a phone number, so I called that number. I asked why they would call me to collect debt owed by my mom and the representatives response was we must have had the wrong number. I asked isnt this illegal? The reps response to me was not necessarily. 
I told him to remove my phone number from their system and to never contact me again. There was no reason for them to have ever had my phone number, it wasnt provided by myself or by my mother. I believe this is a violation of privacy on my mothers end and I really dont think its right that theyre trying to contact family members about unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
On or about XXXX XXXX I applied for an Indigo Credit card issued by XXXX XXXX  through XXXX XXXX. The card was advertised as having No Fee. I was approved for the card and presented with a disclosure/terms and conditions sheet confirming there were no fees, I signed this document agreeing to the terms. When I recieved the card I was charged a $ XXXX fee. I contacted the company to tell them about the inconsistency, they told me there was nothing they could do but offer me a one time credit of {$5.00}. I declined this offer and requested they send me the terms and conditions sheet which I had signed. They told me they would not be able to provide me with a signed copy of the terms. This means they could charge me any fee they want as well as any interest rate and make changes to the terms I agreed to when accepting the card. Obviously I find this unacceptable and I believe they should waive the fee I have already been charged and any future monthly fees, and make good on the terms advertised and agreed to. The only other option they gave me was to close my account which I did not agree to because it could hurt my credit score. At this time they are doing nothing to rectify the situation. I was also never provided a copy of the signed terms and conditions at time of sign up either by email or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: OR

Complaint narrative:
XXXX  XXXX, XXXX ( XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX On XX/XX/XXXX, I received a marketing email from XXXX  XXXX : Thank you for recently signing up for XXXX. 
To help you get started, were offering you {$20.00} in the crypto of your choice if you place a trade of {$100.00} or more by XX/XX/XXXX at XXXX ET. XXXX  Then I have completed the trading of around {$200.00} on XXXX  XXXX with pair XXXX. After roughly half an hour, I receive another email : You may have recently received an email from XXXX  offering you {$20.00} when you trade {$100.00} or more in the crypto of your choice. This email was sent to you in error. 
This specific offer is only available to certain newly onboarded customers. We apologize for any confusion this may have caused and appreciate your understanding. 
Thank you for being part of the XXXX community. 
Please reach out to our support team here if you have any questions. 
The XXXX  Team This is highly unacceptable practice. As a financial institution misguiding users with promotional offers that do not apply to them, inducing users to trade on their platform, and then withdraw the offer that was previously promised. 

The terms & conditions link on the promotional offer email is below : XXXX XXXX XXXX  It clearly says returning users, with no indication that I was not eligible for the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
b'I need help fixing my credit I was young didnt know anything about credit'

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 2025-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX auto finance XX/XX/2024, XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024, XX/XX/2024 XXXX XXXX XXXX- XX/XX/2024 XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024, XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2024, XX/XX/2024, XX/XX/2024 XXXX XXXX - XX/XX/2024 XXXX XX/XX/2024 XXXX  XXXX XXXX  - XX/XX/2024 XXXX XXXX XXXX - XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-11-20 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 non-monetary relief
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XXXX XXXX XX/XX/25, XXXX  XXXX XX/XX/25, XXXX XX/XX/25, XXXX  XX/XX/25, XXXX  XX/XX/25 ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

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 2025-11-20 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: CA

Complaint narrative:
I am submitting this CFPB complaint because Equifax is reporting accounts, an inquiry, and a late payment that I believe are inaccurate or unverifiable. I am requesting a full reinvestigation under the FCRA. 

XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$320.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$760.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX  Acct : XXXX I ask that Equifax investigate these items and remove anything that can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am filing this complaint because the JPMCB CARD account ending in XXXX is being reported in a way that is inaccurate, conflicting, and impossible for me to verify. I have gone through multiple dispute cycles with all three credit bureaus, and none of them have been able to provide any original documentation from the furnisher. Instead they continue to publish XXXX different versions of this same account, which shows that the information JPMCB is furnishing is unreliable and not supported by any actual records. 

When I reviewed the data reporting across XXXX, XXXX, and XXXX, I found major contradictions in almost every important field. XXXX  reports XXXX XXXX 90 day lates, XXXX  reports XXXX, and XXXX  reports XXXX. The high balance is listed as XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and XXXX, but XXXX  shows a high balance of XXXX. Each bureau also has a different last activity date : XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with XXXX. They even show different dates opened and different comments. These conflicts make the account unverifiable and violate the FCRA requirement for maximum possible accuracy. 

I have never received any evidence from JPMCB proving that this reporting is accurate. None of the bureaus have provided a contract, an account agreement, a charge off ledger, or an authenticated payment history. Despite this, the furnisher continues to verify the account electronically without providing proof. This has happened in multiple CFPB cases and reinvestigations, yet all the same problems remain. The reporting was even updated again in XXXX even though the account has not been active since XXXX. Updating an old derogatory account like this without documentation is re aging, and it is not allowed under FCRA or XXXX standards. 

This inaccurate reporting is harming me financially. My utilization is being inflated by the balance they are reporting, and my file shows different derogatory levels depending on which bureau is used. I am also a documented victim of the XXXX  XXXX XXXX and the XXXX XXXX XXXX XXXX, which should have required a heightened verification process. That did not happen. 

At this point I can not trust this account to be accurate or complete because each bureau shows a different version. I am asking the CFPB to intervene and require the furnisher and the bureaus to either provide verified documentation that matches across all three files or permanently delete the account for being unverifiable and non compliant. I am simply asking for fair and accurate reporting as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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