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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting identity theft affecting my Experian credit file. A XXXX XXXX account ( Account No. XXXX, opened XXXX ) was established using my identity without my knowledge or consent. Additionally, the following fraudulent inquiries appear on my Experian report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not apply for credit with these entities and had no involvement in these transactions. Under Section 605B of the Fair Credit Reporting Act, Experian is required to block this information. Attached are my FTC Identity Theft Report, Social Security card, ID, and proof of address as supporting documentation.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my Equifax credit report, I was extremely upset to see that a late payment is being reported on an account that is fully paid, closed, and carries a {$0.00} balance. The specific account in question is : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Paid Balance : {$0.00} Past Due : {$0.00} * * This reporting makes absolutely no sense. If the account is paid in full, has a XXXX balance, and shows no past due amount, then it should not simultaneously reflect a derogatory late payment history. What Equifax is publishing is contradictory and misleading. It suggests that I mishandled the account when in reality the record itself confirms that I satisfied my obligation. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), Equifax is legally required to maintain my file with maximum possible accuracy. This entry falls far short of that standard. By reporting a late payment on an account that is shown as paid with no outstanding obligation, Equifax is creating a distorted and damaging picture of my financial responsibility. 

Adding to the problem, I have never been provided with any actual account-level documentation to support this supposed late payment. Section 1681i of the FCRA makes it clear that when I dispute information on my file, Equifax must conduct a proper reinvestigationnot just confirm the information through electronic data matching with the furnisher. A lawful reinvestigation requires Equifax to obtain verifiable records, such as billing statements, account histories, or payment records, that prove a late payment really occurred. If Equifax can not provide this level of verification, then the derogatory notation is unsubstantiated and must be removed. 

The damage caused by this reporting is very real. Even one false late payment mark can lower a credit score and make lenders view me as a higher-risk borrower. I have experienced denials of credit, higher interest rates, and even judgment from landlords reviewing my file, all because of an inaccurate history that paints me as less reliable than I actually am. It is humiliating and exhausting to explain errors like this that should never appear in the first place if the bureaus were fulfilling their legal obligations.

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: MD

Complaint narrative:
I am submitting this complaint as a formal written dispute regarding an inaccurately reported late closed account on my credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
Disputed Late Closed Account : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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: PNC Bank N.A.
State: AL

Complaint narrative:
I am filing a complaint against PNC Bank regarding several unauthorized ATM withdrawals. 

On XX/XX/year>, and XX/XX/year>, my companys business account XXXX XXXX XXXX was compromised, resulting in unauthorized withdrawals totaling {$2500.00} from a PNC Bank ATM. 

I believe this may be connected to a potential data breach at PNC Bank. Despite contacting the bank on XX/XX/year>, to report the issue and request resolution, the matter remains unresolved. 

I believe PNC Banks failure to address these unauthorized withdrawals is unfair, misleading, and potentially in violation of banking regulations. 

This situation has caused my business financial loss, stress, and an inability to access funds when needed.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading information appearing on my credit report. Specifically : Reporting dates ( XX/XX/year> ) appear inconsistent or unclear, raising concerns about accuracy.Inquiries such as XXXX  on XX/XX/year> appear questionable and may have been made without my proper authorization.Charged-off accounts are being reported in a manner that lacks clarity and accuracy, misrepresenting my payment history and harming my creditworthiness.These issues appear to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.FCRA XXXX, XXXX U.S.C. XXXX : Provides the right to dispute inaccurate or incomplete information, requiring reinvestigation.FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers from reporting inaccurate information.FCRA XXXX, XXXX U.S.C. XXXX : Restricts credit inquiries to those with a permissible purpose ; unauthorized inquiries are a violation.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
When I reviewed my Equifax credit report, I was alarmed to discover a collection account being reported under the following entry : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 {$280.00} * * This account is inaccurate and does not reflect my actual financial obligations. I have never received any notice, statement, or communication from XXXX XXXX indicating that I owed this debt. Its presence on my credit report is misleading, as it implies delinquency and irresponsibility where none exists. Collections like this have a direct and damaging effect on my creditworthiness, reducing my credit score and impacting my ability to secure fair financing, housing, and other essential services. 

Equifax has a legal obligation under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act to maintain maximum possible accuracy in consumer reports. Reporting a collection that can not be verified with original account-level documentation violates this standard. Under 15 U.S.C. 1681i, I am entitled to a reinvestigation of any disputed item. A proper reinvestigation requires that Equifax contact XXXX XXXX and provide documentation such as account statements, contracts, or notices proving that the debt is valid and belongs to me. Without such verification, the account is unsubstantiated and must be removed. 

The presence of this erroneous collection has caused real harm. I am unfairly judged as having unpaid debts, which affects my loan approvals, interest rates, and professional credibility. It has caused stress, embarrassment, and a sense of frustration because this inaccuracy is entirely outside my control. No consumer should face financial penalties or reputational harm for reporting errors they did not cause.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) after multiple disputes regarding fraudulent inquiries and inaccurate personal information in my credit reports. 

This is now my third dispute. In each submission I provided all required documentation, including : A signed identity theft affidavit Police report Government-issued identification Social Security card Proof of residence Despite this, the credit bureaus have not corrected or blocked the fraudulent and inaccurate information as required under 15 U.S.C. 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( 6 ). 

The following remain unresolved : Incorrect Personal Information Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX Fraudulent/Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Inaccurate Accounts XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Charge Off ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment Closed/Paid ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX ( Charge Off ) The bureaus have failed to : Permanently block and delete fraudulent inquiries and personal data. 

Provide the required method of verification, including procedures used, documentation relied upon, and furnisher contact information. 

Ensure maximum possible accuracy of my file as required by law. 

Their refusal to comply is causing ongoing harm to my credit and demonstrates willful and negligent noncompliance under the FCRA.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) after multiple disputes regarding fraudulent inquiries and inaccurate personal information in my credit reports. 

This is now my third dispute. In each submission I provided all required documentation, including : A signed identity theft affidavit Police report Government-issued identification Social Security card Proof of residence Despite this, the credit bureaus have not corrected or blocked the fraudulent and inaccurate information as required under 15 U.S.C. 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( 6 ). 

The following remain unresolved : Incorrect Personal Information Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX Fraudulent/Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Inaccurate Accounts XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Charge Off ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment Closed/Paid ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX ( Charge Off ) The bureaus have failed to : Permanently block and delete fraudulent inquiries and personal data. 

Provide the required method of verification, including procedures used, documentation relied upon, and furnisher contact information. 

Ensure maximum possible accuracy of my file as required by law. 

Their refusal to comply is causing ongoing harm to my credit and demonstrates willful and negligent noncompliance under the FCRA.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct or verify inaccurate payment history that I have disputed multiple times. 

This is my third dispute regarding late payments that I believe are the result of billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ). I first disputed over 35 days ago, and despite repeated follow-ups, the credit bureaus have not provided any documentation to substantiate the reporting of these late payments.

The following accounts continue to be reported inaccurately as late : XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported late payments may be invalid because of : Failure to properly post or credit timely payments. 

Creditor computation or accounting errors. 

Failure to send billing statements at least 21 days before the due date, making the late payment reporting legally invalid. 

The credit bureaus have failed to provide : The method of verification used. 

The name and contact details of the furnishers. 

Any documentary evidence supporting the continued reporting of these late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against JPMCB CARD SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
JPMCB CARD SERVICES XXXX & JPMCB CARD SERVICES XXXX

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failure to ensure accuracy in my consumer report, in violation of the Fair Credit Reporting Act. 

Despite my dispute of the following accounts ( see attached list ), the credit bureaus have continued to report inaccurate and unverifiable information, including collections, charge-offs, and late notations. This violates XXXX U.S.C. XXXX ( b ), XXXX, and XXXX. 

I request the CFPB compel the credit bureaus to delete or correct these accounts immediately and ensure compliance with federal law. 

Thank you.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failure to ensure accuracy in my consumer report, in violation of the Fair Credit Reporting Act. 

Despite my dispute of the following accounts ( see attached list ), the credit bureaus have continued to report inaccurate and unverifiable information, including collections, charge-offs, and late notations. This violates XXXX U.S.C. XXXX ( b ), XXXX, and XXXX. 

I request the CFPB compel the credit bureaus to delete or correct these accounts immediately and ensure compliance with federal law. 

Thank you.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: 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 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I need to know when was his taken out .when was the first reported delinquent? 
Who is the original amount? 
How much payment was made give the original documents with the wet signature

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