vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: CT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4500.00} INQUIRIES : XXXXXXXX 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 2025-10-01 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: VA

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud XXXX business days of you receiving this comply fraud within XXXX business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ), and XXXX XXXX account number ( XXXX ) XXXX XXXX account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent XXXX credit report maintained maintained by you which shows the XXXX XXXX XXXX items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud

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 2025-10-01 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: VA

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud XXXX business days of you receiving this comply fraud within XXXX business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number ( XXXX ), and XXXX XXXX account number ( XXXX ) XXXX XXXX account number ( XXXX ). that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent XXXX credit report maintained maintained by you which shows the XXXX XXXX XXXX items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NV

Complaint narrative:
I have a Discover checking account and made a purchase using my Discover debit card on XX/XX/year> for {$340.00} from the website XXXX. 

The transaction was for a set of jewelry. After completing the purchase, I realized the company is likely no longer in business. They have not provided a receipt, shipping confirmation, or any communication, and I have not received the merchandise. 

I attempted multiple times to contact the merchant and received no response. The website continues to accept payments, but the company does not deliver products, which appears to be fraudulent or misleading. 

I contacted Discover to request a Regulation E dispute for goods/services not received. The representatives I spoke with told me they could not open a dispute because I authorized the transaction. However, this is an error under the Electronic Fund Transfer Act ( Regulation E ), which allows consumers to dispute authorized transactions when merchandise is not received. 

I am requesting that Discover open a Regulation E error investigation and refund the charge for merchandise never received, as required under federal law. 

I am submitting this complaint because Discover has refused to assist me in recovering funds from a merchant that failed to deliver goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a wireless cellular, auto loan from state employees credit union, credit card from state employee credit union, and a company called XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize these accounts. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a wireless cellular, auto loan from state employees credit union, credit card from state employee credit union, and a company called XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize these accounts. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Despite multiple disputes, the credit bureaus continue to report an XXXX account with late payments and a charge-off. XXXX never provided validation of this debt or supporting documentation. The bureaus simply mark it verified without proof. This inaccurate reporting has caused repeated credit denials for housing and transportation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Despite multiple disputes, the credit bureaus continue to report an XXXX account with late payments and a charge-off. XXXX never provided validation of this debt or supporting documentation. The bureaus simply mark it verified without proof. This inaccurate reporting has caused repeated credit denials for housing and transportation

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 2025-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
Experian and Equifax are reporting a business credit card as a personal debt. I was not personally liable for this business account, did not sign a personal guarantee, and it is being reported as an individual account. TransUnion investigated the same item and removed it, confirming it was incorrectly reported. Despite this proof, Experian and Equifax refuse to remove the inaccurate information, creating inconsistent reporting across bureaus. I have also spoken with the card issues numerous times asking for proof that I agreed to accept personal liability or have the claim reported under my personal credit, and, while they have sent many papers to me, theres still nothing that actually shows my agreement to this. Additionally, the reporting bureaus only added the card to the report years after the business opened the account, and there are clear gaps in information. Most egregiously, that they are calling it an individual debt.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding a PNC Bank credit card. In XX/XX/2025, a {$24.00} balance posted to my account, which I believe was eventually posted in XXXX. I was unable to view or pay this balance because of an internal error within PNCs systems. 

In XX/XX/2025 ( approximately XX/XX/XXXX ), I attempted to cancel or flag the card due to unauthorized transactions. The account was cancelled in one of PNCs operating systems but remained active in another. This created a situation where my card appeared closed in online banking, and I could not see or access the balance. Despite being unable to view the account, it continued to accrue charges and a payment was due. 

PNC also had inconsistent address information. My checking account had the correct address, but the credit card account had an outdated address. As a result, statements were sent to the wrong location, and I did not receive any notification of the balance due. 

The first time I became aware of the missed payment was when my credit monitoring service notified me that a late payment had been reported. At that point, I contacted PNC and spent several hours trying to resolve the issue. I eventually paid the {$24.00} balance by phone. 

Despite the fact that this delinquency was caused by PNCs internal system error and mismanagement of my account, PNC reported the payment as late to the credit bureaus. This single {$24.00} late payment has lowered my credit score by roughly XXXX  points, significantly affecting my ability to secure favorable mortgage financing as a XXXX XXXX.

I have contacted PNC multiple times to request removal of the late payment, but I have only been told that it is not fixable. PNC acknowledges that the card was cancelled in one system and still active in another, yet they have not corrected the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The original creditor, XXXX XXXX XXXX charged off a credit card account and sold it to Midland Credit Management ( MCM ) without ever notifying me of the sale. I was not provided any warning or documentation about the account transfer. The charge-off occurred in early XXXX, but the Midland collection account was opened in XXXX, nearly a year and a half later, and reported inaccurately on my credit file with a balance of { {$710.00} }. Since the transfer, Midland Credit Management has repeatedly harassed me by sending numerous letters to my family home, where I do not live anymore and have not resided for some time. This has caused emotional distress and confusion for my family members. I never authorized communication to that address, and Midland has failed to update their contact information despite my efforts. They have also made repeated attempts to contact me directly, including phone calls and collection notices, without providing a proper debt validation notice, as required under the Fair Debt Collection Practices Act ( FDCPA ). They have not broken down the original debt, added fees, or explained how the balance went from a charge-off with partial payment to the full { {$710.00} } showing in collections. The timeline and amounts reported between XXXX and Midland are inconsistent and confusing. This account has appeared on my credit report for years and has significantly damaged my credit score, impacting my ability to qualify for financial services, jobs, and housing. Despite disputing this entry, it remains unresolved and inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I WAS OUT OUT THE COUNRT FROM XXXX XXXX TO XX/XX/XXXX BETWEEN THAT TIME I DONT HAVE ANY ACCESS OF MY ACCOUNT LIKE NO INTERNET OR US XXXX SERVESICE WHEN I CAME BACK I FIND MY BOTH BANK ACCOUNT SAVING AND CHECKING ARE EMPTY NO MONEY IN IT WITH XXXX BANK $ XXXX THEY RETURN SOME OF THE MONEY BUT STILL NOT PAYING ME BACK ALMOST $ XXXX AND I AM FILING THIS REPORT OF A BANK FRAUD

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Below are the accounts in question : XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. DPT EDXXXX Account Number : XXXX - XXXX. XXXX Account XXXX : XXXX - XXXX. XXXX Account 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was XXXX and the culprits used my information to access my Bank of America account and try to do fraudulent cheque deposits I have since sent XXXX XXXX police report and deposition letter

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am writing formally express my concerns regarding Chime Handling of Disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Chime Numerous times & reporting discrepancies, my fincial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation