vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to CLARITY SERVICES regarding an inaccurate XXXX late payment reported by XXXX XXXX XXXXXXXX XXXX My dispute included my full name, address, XXXX, and XXXX. XXXX XXXX confirms CLARITY SERVICES received it. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ), CLARITY SERVICES was required to investigate and provide results within 30 days. Instead, they continued reporting the disputed item without providing proper verification. To support my dispute, I obtained documentation from XXXX ( another nationwide CRA ). In their official letter dated XX/XX/year>, XXXX confirmed : Our investigation has determined that the item you disputed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not in our database. At this time, we do not have a consumer report on file for you. This proves the XXXX  XXXX XXXX account can not be verified through at least one CRAs investigation. Under FCRA 607 ( b ), CLARITY SERVICES is required to follow reasonable procedures to assure maximum possible accuracy. Information that can not be verified is not accurate, and therefore must not be reported. Under FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified, the CRA is required to delete it. Despite this clear evidence, CLARITY SERVICES has failed to remove the XXXX XXXX  XXXX XXXX late payment. Continuing to report unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
Hello There! 

I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed proof of my current address that you require. 

Here is a list of the incorrect addresses, please remove them : The only address that should be listed is shown at the top of this letter. I also would like for you tocorrect the spelling of my name. There should absolutely not be any variations of my namebecause it is spelled one way. I have enclosed my ID as proof of the correctspelling. 

Again, here is a list of the incorrect spellings : Incorrect Name - XXXX, XXXX, XXXX - The personal data reporting is inaccurate.Incorrect Name - XXXX XXXX XXXX- The personal data reporting is inaccurate. 


Please send me an updated credit report as soon as you have deleted the inaccuraces listed above. 

Thanks.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am disputing three fraudulent ATM withdrawals that posted to my PNC checking account ( ending in XXXX ) in the amounts of {$33.00} on XX/XX/year>, {$73.00} on XX/XX/year>, and {$73.00} on XX/XX/year>. These transactions were made at a XXXX gas station located at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NJ XXXX a location I do not use and have never visited for cash withdrawals. 

I only use XXXX ATMs near my home in XXXX, NJ, and my normal account history reflects that. I also do not withdraw irregular, uneven cash amounts ( {$33.00} or {$73.00} ) I only withdraw even denominations such as {$20.00}, {$40.00}, or {$60.00}, as permitted by PNC ATMs. 

My debit card and phone have never been lost or stolen, and I believe my card information and PIN were compromised through an ATM skimming/cloning incident. Despite this, PNC denied my dispute stating it matched my historical pattern of use, which is not accurate. These transactions clearly fall outside my normal behavior and usage history. 

I am requesting that this case be reopened as an unauthorized PIN-based transaction under Regulation E, and that PNC obtain ATM surveillance footage for the dates/times in question to verify I was not the person conducting these withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have experienced where the insurance company was waiting on the escrow payment for the loan company and they did not send it so they canceled my insurance and I come to find out my XXXX  ended up getting insurance in her name and she has canceled XXXX previous insurance before this and that's why I resulted I can get out of my name but then on the yearly payment they did not pay it I had a house fire and well previous before the house fire the loan company wouldn't I have XXXX confirmation numbers where I sent payment and the payment didn't go through I tried to call them somebody put a passcode on the loan and they would not talk to me or let me access anything I'm on title only XXXX on title to the house XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been here in 3 years she had no personal property in the house she's not on title and I had a house fire and people have nowhere to go and people have been messing with me trying to run me out of the neighborhood in the house that I'm staying in the shed currently due to the fire and the mortgage company won't talk to me because a passcode is put on the loan for my ex they put it on there I guess but I have a recording of this and I have confirmation numbers where they have gave me confirmation numbers I have the previous accounts where she canceled the insurance to the house I have paperwork where I had insurance in my name and then they tried to cancel out my payment and send her a check because he tried to cancel out my insurance and I had it stopped I called the insurance company they reissued the check to my account I have that paperwork and I don't know what to do about the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-03 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: IL

Complaint narrative:
I recently discovered that several accounts were added to my credit report without my knowledge or consent. I never opened these accounts and was not informed about them. In addition, the information reported about these accounts is inconsistent and incorrect.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am XXXX XXXX a US Bank customer for XXXX, and US XXXX Veteran, the US Bank XXXX me to close my accounts ( Ref. # XXXX, Ref. # XXXX be closed on XXXX ), did everything to reverse their decision, wrote letters, provided email messages with my very sensitive financial informations, call numerous different personnels, appealed to their highest appeal level all to no avail, I even sent them different articles on Debanking consumers without valid reasons, Debanking consumers who are doing legitimate transactions without breaking any laws is illegal, since XXXX XXXX signed the XXXX law XXXX Guaranteeing Fair Banking for All Americans please help me with this matter! Thank you very much!

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I left my car at the XXXX, XXXX in XXXX XXXX to repair a leaking power steering pump that was recently installed by XXXX and still under warranty. They requested a credit card for security just like every hotel does. When I picked up my car the next day I assumed it was repaired but it was still leaking. I called the manager to complain and he hung up. I took the car took a local repair shop, they found the leak and fixed it. I've attached a copy of their invoice, note the date XX/XX/XXXX. I thought it was my fault for trusting XXXX and decided to put it behind me. 
Days later I was shocked to receive an email from Discover Bank that the XXXX XXXX charged my card {$330.00}. I called Discover immediately and after being told that our conversation was being recorded their agent told me clearly that she understood the problem and would remove the charge for no service received, giving me a XXXX balance. She understood my explaination. If the car was repaired at the XXXX XXXX why would I take it days later to the other shop and pay over {$400.00}. 
In XXXX XXXX I started receiving a bill from Discover Card for {$330.00}, I filed a dispute. Their response totally ignored their agents recorded statement, and sent me a bunch of meaningless paperwork that were clearly not signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is to dispute a fraudulent account listed on my credit report. I deny any connection, authorization, or approval of this account. Its reporting is misleading and causes damage to my creditworthiness.

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 2025-09-03 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:
Complaint Narrative : I am filing this complaint because Equifax, XXXX XXXX XXXX are reporting false, contradictory, and damaging information regarding an account listed as XXXX XXXX. 

Account details : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX XXXX XXXX Reported Balances : {$0.00} Reported High Balance : ranges from {$2000.00} to {$3400.00} depending on bureau Status : Reported as Collection/Chargeoff Issues : Contradictory account type reported as Revolving by Equifax and XXXX  but as Installment by XXXX 

Conflicting high balance amounts {$2000.00} vs {$3400.00}. 

Inconsistent activity dates last activity reported differently across all three bureaus. 

False derogatory notations showing late payments and charge-offs even after the account was closed and settled. 

Obsolete reporting derogatory marks are being extended beyond permissible reporting periods, in violation of the FCRA. 

These inconsistencies prove that the information being reported is inaccurate, unverifiable, and misleading. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists to continue reporting derogatory, contradictory data. 

605 ( 15 U.S.C. 1681c ) Prohibits obsolete and inaccurate adverse information.

607 ( 15 U.S.C. 1681e ) Requires credit bureaus to implement procedures to ensure accuracy.

609 ( 15 U.S.C. 1681g ) I am entitled to proof of this account ; none has been provided.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days. 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting data they know or should know is inaccurate.

FDCPA ( Fair Debt Collection Practices Act ) : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I have a clean and clear title. They reped the car. Also papers stating no lien as of XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$18000.00} Chargeoff This account is being reported as a charge-off with a large outstanding balance, yet no original signed contract or itemized accounting has been provided to verify its validity. Under the FCRA, furnishers of information are required to maintain documentation proving the accuracy of what is reported. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g requires clear validation of debt, including original agreements and lawful assignments of debt, before it can be collected or reported. The continued reporting of this account without proper substantiation is unlawful and prejudicial. Until proper proof is provided, this charge-off must be deleted in compliance with the law. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I had my account setup with autopay, and everything was going well. Money was regularly coming out. And then they sent me a letter saying my payment was late : and reported it to the credit bureaus which caused my payment history to go from XXXX  % to XXXX  % which is directly affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LCI Acquisition Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to LCI Consumer Center regarding an inaccurate XXXX late payment reported by XXXX XXXX  XXXX XXXX My dispute included my full name, address, XXXX, and XXXX. XXXX tracking confirms LCI Consumer Center received it. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), LCI Consumer Center was required to investigate and provide results within 30 days. Instead, they continued reporting the disputed item without providing proper verification. To support my dispute, I obtained documentation from XXXX ( another nationwide CRA ). In their official letter dated XX/XX/year>, XXXX confirmed : Our investigation has determined that the item you disputed, BANK XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX is not in our database. At this time, we do not have a consumer report on file for you. This proves the XXXX XXXXXXXX XXXX account can not be verified through at least XXXX CRAs investigation. Under FCRA 607 ( b ), LCI Consumer Center is required to follow reasonable procedures to assure maximum possible accuracy. Information that can not be verified is not accurate, and therefore must not be reported. Under FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified, the CRA is required to delete it. Despite this clear evidence, LCI Consumer Center has failed to remove the XXXX XXXX XXXXXXXX XXXX late payment. Continuing to report unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone tried to commit fraud on my bank account by depositing fake checks into my account, I reported it immediately and the bank closed my account and reported ME to XXXX 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