vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear U.S. Bank Compliance Department, I am writing to formally dispute XXXX issues relating to my companys account with U.S. Bank ( XXXX XXXX, Account ending XXXX ) : 1. Transaction alert issued to XXXX XXXXXXXX XXXX  : I was informed that U.S. Bank initiated a transaction alert regarding transfers I made from my XXXX XXXX business account to my personal checking account at XXXX XXXXXXXX. These transfers were legitimate owners draws from my XXXX XXXX to myself as the sole owner. XXXX XXXX has advised that U.S. Bank must remove or release this fraud flag, as it appears U.S. Bank has requested return of the funds. 

2. Closure of XXXX XXXX account : My XXXX XXXX business account was closed, and I was advised this was due to an address-verification issue. My business operating address changed earlier this year, and I updated my account details with U.S. Bank in XX/XX/year> once I noticed my previous address was still on file. I have attached proof of the address change as filed with the State of New Mexico.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: MO

Complaint narrative:
XXXX closed while my treatment was incomplete and shipped incorrect retainer sizing that was paid for. TEK-Collect is reporting a debt for services not provided. I am requesting removal of this account and cessation of collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

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 2025-11-04 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-04 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: NJ

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$12000.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$21000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$2700.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$3600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1700.00} Inquiries : None listed for Equifax. 

Positive Accounts : None listed under this category for Equifax. 

Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
PayPal put my account on restriction at the end of XX/XX/year>. They called it random and periodic review common for accounts. I was an account holder for over 10 years with a business account. Ultimately after roughly two weeks they decided It would be more reasonable for me to have a personal account since I don't have a registered business and I concurred. They said I would receive a debit card 10 days later but could access a digital or virtual card so I had access to my funds, it did not work.I spoke with a rep who meticulously tried to help me get the virtual card to work including reaching out to advanced tech team. They said there was nothing they could do but that the real personal acct card would work as the business acct card did with no issue. When I received it 10 days later it did not work ... it declined purchases saying insufficient funds despite having over {$300.00} in the account. I called and each time the reps would talk down to me using my name in a patronizing tone and telling me the card works fine. I was doing something wrong. I have called and messaged in the PayPal message center consistently reiterating my story asking to escalate to supervisors and management in order to receive my funds even requesting a new card that too does not work. I now have {$470.00} that I want issued to me immediately. My employer pays me thru PayPal. I have been a dedicated customer for over 10 years but I intend to find another resource as soon as they release my money. I know longer trust this business with my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : 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 explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-04 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX BANK XXXX  # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-11-04 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) regarding multiple accounts that remain inaccurately reported and unverified on my credit report. These items were previously disputed, but the investigation results failed to include any verifiable documentation from the original creditor or furnisher confirming their accuracy.

Despite my prior dispute, the same accounts continue to appear with errors or unverifiable information, indicating that the previous investigation was incomplete or not conducted in compliance with FCRA requirements. The credit reporting company and/or furnisher has not provided original account-level evidence, billing statements, or signed agreements to substantiate the validity of these accounts. 

The continued reporting of unverifiable information has negatively affected my creditworthiness and access to credit. I am now demanding that a full reinvestigation be conducted and that all unverifiable or inaccurate accounts be deleted immediately to ensure compliance with federal law and the accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-04 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: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4600.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$490.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
I contacted to get my loan redone to lower my payments they never told me they were putting a second mortgage on my account so when I sold my house I made nothing and had to come up with extra funds so I could close and not get hit with lawsuit from buyer and I am quite sure if pennymac did not tell me of the second mortgage that they are doing this to others

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank Business Banking Formal Complaint and Request for Refund Representatives, I am writing to express my serious concern and file a formal complaint regarding an unauthorized enrollment in a product and the associated excessive fees on my business account. 
XXXX. Unauthorized Enrollment : I never authorized or requested enrollment in the product. 
XXXX. Excessive and Unjustified Fees : For the past XXXX ( XXXX ) months, an excessive and recurring fee has been debited from my account for a product or service that I have never used. These debits have been processed without my prior consent or knowledge. 
XXXX. Personal Contact Attempt : I contacted PNC Bank Business directly, including an in-person visit to a branch, to report this situation and request a resolution, but I have not received any satisfactory response or resolution. 
XXXX. Recent Debit Despite Notification : Despite notifying the bank with sufficient time to stop the latest recurring debit, the charge was still processed, further exacerbating the issue. 
Formal Request : I demand an immediate investigation into these unauthorized charges and a full refund of all fees debited over the past XXXX months, totaling XXXX I request a written response and resolution within [ Example : XXXX business days ] from the date of this letter. 
Please find enclosed copies of the bank statements reflecting these charges. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation