vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}

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 2025-12-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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 explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
am filing this complaint because XXXX XXXX XXXX  is reporting inaccurate, incomplete, and/or unverifiable information concerning a closed line-of-credit account ending in XXXX XXXXXXXX. The information furnished to the credit bureaus contains inconsistencies and appears not to comply with the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ) and FCRA 623 ( a ). 

XXXX XXXX is reporting the following : Status : Charge-Off Balance / Charge-Off Amount : {$16000.00} Date of Last Payment : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Major Delinquency First Reported : XX/XX/XXXX Ongoing monthly CO ( Charge-Off ) marks in XXXX, XXXX, and XXXX even after the account was closed. 

The reporting contains multiple inconsistencies, inaccuracies, and red flags, including but not limited to : Contradictory dates regarding last payment, delinquency, and charge-off status. 

Repeated CO ( Charge-Off ) reporting month after month, which may constitute duplicate reporting or improper postcharge-off updating. 

The reported date of first delinquency conflicts with the date of last payment, suggesting possible incorrect date coding. 

XXXX XXXX has not provided any verification or documentation to support the reported balance, delinquency dates, or charge-off activity. 

The information does not appear to meet the standard of maximum possible accuracy required by FCRA 607 ( b ).

The account reporting may be mischaracterizing the timeline of delinquency leading to the charge-off. 

I have disputed this item with the credit bureaus, but the information continues to be reported inaccurately.

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 2025-12-03 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: FL

Complaint narrative:
am filing this complaint because XXXX XXXX XXXX  is reporting inaccurate, incomplete, and/or unverifiable information concerning a closed line-of-credit account ending in XXXX XXXXXXXX. The information furnished to the credit bureaus contains inconsistencies and appears not to comply with the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ) and FCRA 623 ( a ). 

XXXX XXXX is reporting the following : Status : Charge-Off Balance / Charge-Off Amount : {$16000.00} Date of Last Payment : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Major Delinquency First Reported : XX/XX/XXXX Ongoing monthly CO ( Charge-Off ) marks in XXXX, XXXX, and XXXX even after the account was closed. 

The reporting contains multiple inconsistencies, inaccuracies, and red flags, including but not limited to : Contradictory dates regarding last payment, delinquency, and charge-off status. 

Repeated CO ( Charge-Off ) reporting month after month, which may constitute duplicate reporting or improper postcharge-off updating. 

The reported date of first delinquency conflicts with the date of last payment, suggesting possible incorrect date coding. 

XXXX XXXX has not provided any verification or documentation to support the reported balance, delinquency dates, or charge-off activity. 

The information does not appear to meet the standard of maximum possible accuracy required by FCRA 607 ( b ).

The account reporting may be mischaracterizing the timeline of delinquency leading to the charge-off. 

I have disputed this item with the credit bureaus, but the information continues to be reported inaccurately.

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 2025-12-03 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: FL

Complaint narrative:
am filing this complaint because XXXX XXXX XXXX  is reporting inaccurate, incomplete, and/or unverifiable information concerning a closed line-of-credit account ending in XXXX XXXXXXXX. The information furnished to the credit bureaus contains inconsistencies and appears not to comply with the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ) and FCRA 623 ( a ). 

XXXX XXXX is reporting the following : Status : Charge-Off Balance / Charge-Off Amount : {$16000.00} Date of Last Payment : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Major Delinquency First Reported : XX/XX/XXXX Ongoing monthly CO ( Charge-Off ) marks in XXXX, XXXX, and XXXX even after the account was closed. 

The reporting contains multiple inconsistencies, inaccuracies, and red flags, including but not limited to : Contradictory dates regarding last payment, delinquency, and charge-off status. 

Repeated CO ( Charge-Off ) reporting month after month, which may constitute duplicate reporting or improper postcharge-off updating. 

The reported date of first delinquency conflicts with the date of last payment, suggesting possible incorrect date coding. 

XXXX XXXX has not provided any verification or documentation to support the reported balance, delinquency dates, or charge-off activity. 

The information does not appear to meet the standard of maximum possible accuracy required by FCRA 607 ( b ).

The account reporting may be mischaracterizing the timeline of delinquency leading to the charge-off. 

I have disputed this item with the credit bureaus, but the information continues to be reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XXXX 2025, Discover made a system change that disrupted my existing repayment agreement without notifying me. I was enrolled in a charged-off repayment plan with $ 38 monthly autopay, which I had signed and agreed to. Payments successfully drafted through XX/XX/year>. After Discovers system update, they required additional confirmation to keep autopay active, even though I had already agreed to it. I was not informed of this requirement. 

Because Discover changed my mailing address without authorization to an address in Oregon, Illinois where I have never lived, I received none of their notices. I was also unable to access my Discover account for months because the system stated it could not locate my account, despite multiple login attempts. I received no phone or email communication regarding the autopay disruption. 

Due to Discovers internal errors and misdirected communications, payments stopped without my knowledge. On XX/XX/year>, Discover began reporting my account as delinquent, causing an approximately XXXX credit score drop between XXXX and XXXX. When I contacted Discover, I explained that the missed payments were caused entirely by their system failures. The representative refused to remove the derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
Dear Sir/Madam, I am disputing the following items on my Equifax credit report. Please investigate these accounts and make any necessary corrections. 

Charged Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$22.00} XXXX XXXX  - Account Number : XXXX * * * * Account Date : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX - Account Date : XX/XX/XXXX XXXX  - Account Date : XX/XX/XXXX Late Payments : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( repeated entry )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I was the victim of a trademark scam where a fraudulent individual posed as a trademark service agent and claimed I needed to pay {$500.00} to complete the processing of my trademark. I authorized the payment because I believed it was legitimate. Once I discovered the entity was fraudulent and that no trademark services were provided, I immediately contacted Capital One to dispute the charge. 

Capital One initially issued a temporary credit while they investigated. On XX/XX/year>, Capital One reversed the credit and denied my dispute. Their denial letter stated that they reviewed account records, transaction history, phone calls, and login information to determine the transaction was authorized. However, when I requested the documentation used in the investigation, Capital One only provided : A general denial letter A blank questionnaire A copy of my monthly bank statement No merchant documentation, no call records, no login/IP logs, no proof of delivery, and no internal investigator notes were provided despite Capital One claiming these were used to make their decision. 

Capital One appears to have denied my claim solely because I initiated the transaction, even though the transaction resulted from fraudulent inducement. I did not receive the services I paid for, the merchant was deceptive, and this should qualify as an error under Regulation XXXX and as stated on the dispute page of their website. 

I have repeatedly requested a full re-investigation and all supporting documentation. Capital One agents continue to tell me that the decision is final, refuse to provide the evidence they claim they used, and refuse to reopen the dispute. 

Capital Ones investigation was incomplete, unsupported, and inconsistent with Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank has placed an availability hold on a {$50000.00} deposit made on or about XX/XX/year> and on my account for over 30 days without ever providing any reason or the legally required written notice ( violating Regulation CC ). I have contacted the bank multiple times and escalated to branch and phone support with no resolution or explanation. This has caused significant financial hardship and the loss of my job. I request the CFPB direct PNC to release the funds immediately and pay appropriate compensation. PNC has failed to resolve or even substantively respond after XXXX  days. The {$50000.00} deposit remains completely unavailable with no explanation, now exceeding XXXX days. This is causing severe ongoing hardship.Multiple open complaints on the same issue. This money was awarded to me by a judge in the court of law of California due to a fire that burned down my home a year ago I have attached all documentation regarding my settlement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am submitting this complaint regarding the following accounts that are inaccurately reported on my credit report. These accounts are in dispute, and I am requesting an investigation into their correctness and compliance with applicable laws under the Fair Credit Reporting Act ( FCRA ). 

Equifax ( XXXX ) Charged Off Accounts XXXX, XXXX XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$290.00} XXXX  XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$1400.00} Late Payments XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am not able to access my bank account or my money for XXXX hours now. I have bills due and I cant pay anything because there is constant outages with no permanent fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
XXXX XXXX is reporting a charge-off on my credit report with conflicting, inaccurate, and misleading information. TransUnion and Experian show different status remarks, including charged off as bad debt, unpaid balance reported as loss, and in dispute resolved, even though I previously disputed the account. This violates the FCRA because the information is not complete, not consistent, and not being reported with maximum possible accuracy, which is required under FCRA 607 ( b ). XXXX XXXX also failed to conduct a lawful investigation under FCRA 611 ( a ). The continued reporting of inconsistent derogatory data has caused ongoing credit harm. 

XXXX XXXX XXXX is reporting a large auto loan charge-off only to TransUnion, while not reporting anything to Experian or XXXX. Furnishing negative information to XXXX bureau but not to others creates an incomplete and misleading consumer file, violating FCRA 607 ( b ) ( accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to furnish complete and accurate information ). Prior disputes were not properly investigated, and no verification was ever provided. The file is inaccurate and incomplete, causing reputational and credit damage. 

XXXX XXXX XXXX is reporting a {$680.00} collection with false, contradictory, and misleading information. The account is labeled as customer disputed, yet still reported as seriously past due and assigned to collections. This violates FDCPA 807 ( 2 ) ( A ) ( misrepresenting debt status ), FDCPA 807 ( 8 ) ( false credit reporting ), and FDCPA 809 ( b ) because XXXX continued reporting without validating the debt. It also violates FCRA 623 ( a ) and 607 ( b ) for furnishing inaccurate and incomplete information. XXXX has never provided validation, chain-of-custody proof, or proper dispute handling.

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 2025-12-03 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: MA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report, as they contain errors regarding charged off accounts. These items should be reviewed for accuracy and corrected. 

CHARGED OFF : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} INQUIRIES : XXXX MO Date : XX/XX/XXXXXXXX XXXX XXXX  Date : 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS 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 explanation