vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am disputing the following accounts and late payments on my Experian credit report that may be inaccurate, duplicated, or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX, {$48000.00} XXXX/XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXXXXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX, {$55.00} XXXX XXXX Account # XXXX XXXX XX/XX/XXXX, {$0.00} XXXX  XXXX  Account # XXXX, XX/XX/XXXX, {$830.00} Please verify the accuracy of these accounts and remove any that can not be substantiated. 

Inquiries None listed for Experian. 

Late Payment Reporting XXXX Account # XXXX Please verify this late payment and remove any inaccuracies.

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 2025-11-03 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: TX

Complaint narrative:
I am disputing the following accounts on my Experian credit report. The information provided for these accounts is inaccurate and requires correction. Specifically, the following accounts are being disputed : Charged Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} Inquiries : XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  XXXX XXXX  - Date : XX/XX/XXXX XXXX  - XXXX : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX  - Date : XX/XX/XXXX XXXX  XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX - XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
Date : XX/XX/year> Representative : XXXX Experian Consumer Support Summary : During a recorded call, Experian representative XXXX confirmed Experian obtains bankruptcy and public-record information solely from XXXX, not from the courts. He stated, That information is obtained from XXXX, yeah, correct. The courts dont report. 

He further explained Experian sends that information back to XXXX even when a consumer submits written proof that XXXX deleted the record. This demonstrates Experian knowingly relies on a third-party furnisher it knows to be inaccurate and refuses to delete unverifiable data. 

These admissions constitute violations of : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) unreasonable reinvestigation procedure 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) failure to delete unverifiable information 15 U.S.C. 1681n & 1681o willful/negligent non-compliance Experians representative explicitly acknowledged that the courts do not furnish bankruptcy data, confirming the source attribution on my credit file is false and misleading.

I am asking Experian to retrieve and review that recorded call ( dated XXXX XXXX XXXX, between 10am-11am MST and include it in my investigation record.

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 2025-11-03 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: NY

Complaint narrative:
I am filing this complaint regarding the following disputes with my credit reports. These items require investigation and corrections to ensure my credit file is accurate. 
XXXX XXXX Accounts : No items in dispute. 

Inquiries in Dispute : XXXX XXXX XXXX  Date : XX/XX/year> Dispute : This inquiry was made without my consent. Please investigate and remove this inquiry from my credit report. 

Late Payments in Dispute : XXXX  XXXX  Account : XXXX Dispute : The late payment reported for this account is incorrect. Please verify and correct the status. 

XXXX  XXXX  Account : XXXX Dispute : The late payment reported for this account is incorrect. Please verify and correct the status.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
This complaint includes new and critical evidence not provided in CFPB Case # XXXX, which American Express closed after claiming that I had made payments on the disputed account. That assertion is false. No payments have ever originated from any account owned by, or under the possession or management of, myself. 

I am the victim of identity theft involving a fraudulent American Express business credit account totaling more than {$100000.00}. The account was opened, controlled, and used by someone impersonating me. American Express records falsely list me as the owner of XXXX XXXX business I have never owned, managed, or guaranteed. I did not know of or have any awareness of this account until American Express initiated collection attempts and I later received related bankruptcy filings in the mail. 

Since my prior complaint, I have filed an FTC Identity Theft Report and submitted additional supporting evidence, including sworn bankruptcy testimony and statements confirming that XXXX XXXX is the sole owner of XXXX XXXX and that this specific American Express debt was listed by him as his own. In those same filings, he falsely identified me as a personal guarantor. Neither XXXX nor American Express can produce a signed guaranty because none exists. His sworn testimony directly contradicts XXXX XXXX records naming me as the owner. 

American Express sent account statements to XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX belonging to XXXX and listed in his bankruptcy filings. The phone numbers, email address, and security questions ( including his mothers maiden name ) on the account also belong to him. I never lived at these addresses, never received statements, and never made payments. The only way I know any of this information is from conversations with American Express representatives once I began disputing the account, combined with statements received by mail from the XXXX Bankruptcy XXXX identifying these same addresses as belonging to XXXX. 

Under FCRA 605B and 609 ( e ), American Express is legally obligated to block the tradeline and provide all associated records upon receipt of an FTC Identity Theft Report. They have not done so. These facts clearly establish that the account was opened and managed by another individual without my knowledge or authorization. I request that the CFPB direct American Express to delete the tradeline, remove my identifiers from all records, and confirm that I bear no liability in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I respectfully demand immediate intervention against Equifax, Experian, and TransUnion for willful, ongoing FCRA violations. 
XXXX. The XXXX Is Facially Invalid XX/XX/XXXX : Signed lease, paid {$2100.00} ( deposit + rent ). 
XX/XX/XXXX : XXXX  XXXX XXXX XXXX XXXX, XXXX, GA severe cockroach infestation upon entry ( photos + financial damages enclosed ). 
XXXX breached GA implied warranty of habitability ( XXXX XXXXXXXX ). I never occupied residence ; lease void. 
XX/XX/XXXX : XXXX tried to force illegal release for refund through an XXXX I refused. 
XXXX. XXXX Reported {$2100.00} Despite XXXX Validation after many requests. 
XX/XX/XXXX : I disputed to XXXX ( FDCPA XXXX ) + bureaus ( FCRA XXXX ). 
XXXX rubber-stamped verified without evidence and failed to provide investigation methods when requested. 
XXXX. Account Mysteriously Closed Then Reopened Proof of Fraud XXXX : Closed on all three reports. 
XX/XX/XXXX : Reopened without notice, validation, or change in facts. 
Screenshots enclosed. 
This is not verification it is fraud. 
FCRA Violations ( 15 U.S.C. 1681i ) : Failed reasonable reinvestigation. 
Ignored my evidence. 
Re-reported after self-admitted closure. 
Willful noncompliance = statutory damages + punitives.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I respectfully demand immediate intervention against Equifax, Experian, and TransUnion for willful, ongoing FCRA violations. 
XXXX. The XXXX Is Facially Invalid XX/XX/XXXX : Signed lease, paid {$2100.00} ( deposit + rent ). 
XX/XX/XXXX : XXXX  XXXX XXXX XXXX XXXX, XXXX, GA severe cockroach infestation upon entry ( photos + financial damages enclosed ). 
XXXX breached GA implied warranty of habitability ( XXXX XXXXXXXX ). I never occupied residence ; lease void. 
XX/XX/XXXX : XXXX tried to force illegal release for refund through an XXXX I refused. 
XXXX. XXXX Reported {$2100.00} Despite XXXX Validation after many requests. 
XX/XX/XXXX : I disputed to XXXX ( FDCPA XXXX ) + bureaus ( FCRA XXXX ). 
XXXX rubber-stamped verified without evidence and failed to provide investigation methods when requested. 
XXXX. Account Mysteriously Closed Then Reopened Proof of Fraud XXXX : Closed on all three reports. 
XX/XX/XXXX : Reopened without notice, validation, or change in facts. 
Screenshots enclosed. 
This is not verification it is fraud. 
FCRA Violations ( 15 U.S.C. 1681i ) : Failed reasonable reinvestigation. 
Ignored my evidence. 
Re-reported after self-admitted closure. 
Willful noncompliance = statutory damages + punitives.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I visited the PNC Bank branch located at [ XXXX XXXX XXXX XXXX, NJ XXXX ] to cash a check from a former employer that was drawn on that same bank. The teller stated that they needed to verify the check and attempted to call the issuers verification department. After some time, the teller said no one answered. 
I politely asked which number they had called so that I could try to reach the company myself, but the teller refused to provide it, stating that it was not possible. The teller then told me to deposit the check at my personal bank instead. When I said I preferred to cash it directly, the teller became rude, calling me broke and using other inappropriate language in front of others. I felt humiliated and disrespected. 
Immediately afterward, I went to another PNC bank branch located at [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ], they cashed the same check without any issues or verification requirement. 
This demonstrates that the first tellers actions were not consistent with bank policy and that I was treated unfairly and unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I discovered XXXX charges by a company called XXXX on my account when I went to pay the account. I attempted to file the fraud forms online through my portal on multiple occasions but kept getting " come back later '' messages. Calls to Citi were unanswered and timed out as they exceeded XXXX minutes. When I finally got through to a human, I was left on hold and sent to multiple persons for over XXXX minutes attempting to file the fraud claims. Instead of reversing the charges, Citi is forcing me to pay the bill while they sort out the fraud claim. I did not, do not and will NEVER subscribe to any sort of AI service which apparently this Nebula company is. Why am I being forced to pay for fraud? If I don't pay the bill, they will charge me late fees and penalties for the fraud charges. 

At very least, I should be paid interest on the money I was forced to pay. I now have to keep the account open in order to get my money back. 

CITIBANK DOES NOT PROTECT OR RESPECT IT'S CLIENTS.

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 monetary relief
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following items on my credit report. Please investigate these items and remove or correct any inaccuracies in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} XXXX request verification of the status and reporting of this account. 

XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Please confirm the reporting of this account and its current balance. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$760.00} XXXX request verification and supporting documentation for this accounts balance. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$2100.00} Please verify that the reported balance and account opening date are accurate. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$3700.00} XXXX request clarification on the balance and status of this account. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$130.00} Please confirm that this account has been correctly reported and provide supporting details. 

Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Current Balance : {$0.00} Please verify that the bankruptcy entry is accurate and properly reflected. 

XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} XXXX request verification of this accounts status. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 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: SC

Complaint narrative:
I am disputing the following accounts reported by Experian as " charged off '' and " late payments. '' The listed accounts contain inaccuracies or are being reported incorrectly. 
I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 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: GA

Complaint narrative:
The investigation did not fix an error on my credit 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 2025-11-03 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: GA

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This company BANK OF America is so difficult to deal with there withholding my deposits and I've complained about this before with you we are in court me and the bank. The judge deposited checks from the government in my account every deposit the bank just runs off with those deposits. The bank haven't even mentioned those deposits to me. Those checks cleared and the bank has not been in touch with me. The bank is putting all kind of devices inside my body and haven't gave me a dime of my money yet those devices is making me physically sick the.ve been putting devices in my body for XXXX months now and still haven't gave me my money yet. The first funding of my account I was telling you about on a different complaint number XXXX this complaint is about I had funds transferred from XXXX XXXX account to my bank of America account XXXX years ago it's still there on hold they just hold the funds and never let go I took them to court for that the judge got some of the funds out that was on hold and put them in a savings account. And those funds been sitting there every since I haven't seen a dime of it yet so after a few months past by the judge see that I bank didn't release that account to me the judge deposited more money in my account he deposited XXXX checks from the government into my account. He sued the bank he deposited those checks that was weeks ago those checks been cleared I've heard nothing from the bank. located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK OF America every deposit they take it and run you never see the money my case is still open with the bank the judge says he won't close the case until I get my bank account release to me. This savings account got stolen and took out of the country account number outside America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX the bank found the account and brung the account back to the United States BANK OF America and gave the account an America account number

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