vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> early morning, I logged into my phone to send over the rent payment to my landlord and my bank available balance was at {$0.00}. The previous night I made a purchase as usual and had about $ XXXX {$900.00} on it. On XX/XX/year> shortly after realizing the balance being at {$0.00} I drove to the nearest branch and asked for a reason and explanation. PNC teller advised me that my account had been scheduled for closure on XX/XX/year>. All the days following the XXXX I used my account with no issues, which should not be possible if my account had closed. PNC failed to give me a reason as to why it was closed after numerous attempts and has not mailed out a check with my funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

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 2025-07-30 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: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPT OF ED Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CT

Complaint narrative:
Formal Dispute and Request for Immediate Deletion Under FCRA 611, FDCPA 809 ( b ), and XXXX XXXX Compliance StandardsDear Experian Dispute Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ), the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), and XXXX XXXX compliance standards. I demand that the following inaccurate, incomplete, and unverifiable accounts be immediately deleted from my consumer report. Accounts in Dispute : XXXX. XXXX XXXX XXXX ( Account XXXX. ending in XXXX ) - This is a debt buyer account allegedly purchased from XXXX XXXX XXXX  XXXX No documentation has been provided proving lawful ownership, original signed agreement, or itemized billing statement.- In violation of FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I request immediate deletion unless fully validated with : - Original creditor agreement - Full chain of assignment - Itemized payment history. 
XXXX. XXXX XXXX ( Account XXXX. ending in XXXX ) - This account is inaccurately reported as charged off while also being listed as closed at the creditors request.- There is no validation of the balance, terms, or original agreement.- Reporting is misleading and fails XXXX XXXX formatting standards for accuracy and completeness. 
XXXX. XXXX XXXX  XXXX ( Account XXXX. ending in XXXX ) - Account status reflects charge-off with past due balance, yet previous disputes were not revalidated per FCRA requirements.- No signed agreement, billing history, or proof of assignment is available.

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 2025-07-31 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:
[ SEE ATTACHMENTS FOR ACCOUNT DETAIL AND IDENTITY VERIFICATION DOCS ] I am a victim of identity theft. Several charge-off accounts and hard inquiries are reporting on my credit files that I did not open or authorize. I submitted an FTC Identity Theft Report ( # XXXX ), my drivers license, my Social Security card, and a XXXX utility bill confirming my address to all three credit bureaus.

Experian declined to block the accounts under FCRA 605B, falsely claiming I failed to provide proof of identity. That is not true. All documentation was submitted properly through their upload portal. Equifax and TransUnion are also reporting these same fraudulent accounts, despite receiving the same dispute package and supporting documentation. 

My personal data has been compromised in multiple confirmed data breaches, and Ive submitted breach alerts from identity monitoring services. My bank account has also been previously compromised. Additionally, I am a twin, and I believe our similar names and birthdates have led to mixed file errors or misattributed accountsespecially given my frequent address changes due to work. 
These accounts and inquiries are not mine and should have been blocked under FCRA 605B and removed under FCRA 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENTS FOR ACCOUNT DETAIL AND IDENTITY VERIFICATION DOCS ] I am a victim of identity theft. Several charge-off accounts and hard inquiries are reporting on my credit files that I did not open or authorize. I submitted an FTC Identity Theft Report ( # XXXX ), my drivers license, my Social Security card, and a XXXX utility bill confirming my address to all three credit bureaus.

Experian declined to block the accounts under FCRA 605B, falsely claiming I failed to provide proof of identity. That is not true. All documentation was submitted properly through their upload portal. Equifax and TransUnion are also reporting these same fraudulent accounts, despite receiving the same dispute package and supporting documentation. 

My personal data has been compromised in multiple confirmed data breaches, and Ive submitted breach alerts from identity monitoring services. My bank account has also been previously compromised. Additionally, I am a twin, and I believe our similar names and birthdates have led to mixed file errors or misattributed accountsespecially given my frequent address changes due to work. 
These accounts and inquiries are not mine and should have been blocked under FCRA 605B and removed under FCRA 1681e ( b ).

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 2025-07-31 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action. 
I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities. 
As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days. 
Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes. 
Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely. 
Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections. 
I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations. 
Thank you for your attention to this matter. I look forward to your swift response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
My car was repossessed after being told it would no longer be happening. Over XXXX  dollars are missing from the account even after being reported and taken from bank. Payment had been made for several month the XXXX day to the next the payment was gone. Made a large rushed payment of XXXX dollars to help bring the account up after that I was told there would no longer be a repossession, couple days later the car was repossessed. I called multiple time submitted paper work and proof of transaction I was told they would get in contact and havent heard form them since. Im yet to receive my car or any update about this.

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 2025-07-31 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please review to remove the follow items as the items referenced are under The FTC Fraud Affidavit.

Experian credit report items, disputed but still remain : 11 Names Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX XXXX Addresses address ID # XXXX multi family address ID # XXXX single family address ID # XXXX multi family address ID # XXXX apartment complex address ID # XXXX single family address ID # XXXX apartment complex address ID # XXXX multi family address ID # XXXX single family address ID # XXXX multi family address ID # XXXX multi family address ID # XXXX Single family address ID # XXXX multi family address ID # XXXX single family address ID # XXXX single family address ID # XXXX apartment complex XXXX cellular number Cellular number : XXXX ( Please remove ) XXXX accounts : XXXX XXXX Acct XXXX : Amount : {$15000.00} XXXX XXXX XXXX Amount XXXX XXXXXXXX Spoke to XXXX XXXX XXXX XXXX on XXXX  XX/XX/year>. Confirmed no open accounts, balance print out showed nothing owed. Also had a fraudulent address of XXXX XXXX XXXX XXXX Fl. XXXX. I have never lived at that address.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please review to remove the follow items as the items referenced are under The FTC Fraud Affidavit.

XXXX credit report items, disputed but still remain : XXXX Names Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX Name ID : XXXX XXXX Addresses address ID # XXXX multi family address ID # XXXX single family address ID # XXXX multi family address ID # XXXX apartment complex address ID # XXXX single family address ID # XXXX apartment complex address ID # XXXX multi family address ID # XXXX single family address ID # XXXX multi family address ID # XXXX multi family address ID # XXXX Single family address ID # XXXX multi family address ID # XXXX single family address ID # XXXX single family address ID # XXXX apartment complex XXXX cellular number Cellular number : XXXX ( Please remove ) XXXX accounts : XXXX XXXX Acct XXXX : Amount : {$15000.00} XXXX XXXX XXXX Amount XXXX XXXXXXXX Spoke to XXXXXXXX XXXX XXXX XXXX  on XXXX XX/XX/XXXX Confirmed no open accounts, balance print out showed nothing owed. Also had a fraudulent address of XXXX XXXX XXXX XXXX Fl. XXXX. I have never lived at that address.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Terrace XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> To Whom It XXXX Concern, I am writing in response to a letter I received regarding an alleged debt. This is not a refusal to pay, but a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting that you provide the following documentation to validate the debt : 1. The name and address of the original creditor ; 2. The original amount of the debt, along with a detailed breakdown of any interest, fees, or other charges ; 3. Proof that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement ; 4. A copy of the original contract or agreement bearing my signature ; 5. Proof that the debt is within the statute of limitations in the State of Florida. While this request is being processed, please cease all collection activities, including reporting this debt to any credit reporting agencies, as required by 15 U.S.C. 1692g ( b ). If you are unable to provide proper validation, or continue collection efforts without doing so, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. Please respond in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
Equifax, TransUnion, and Experian have failed to initiate or complete a proper reinvestigation and are continuing to report negative information that is inaccurate and unverifiable. This is unacceptable and unlawful under the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a detailed dispute with supporting documentation including a government-issued ID, matching address, full legal name, date of birth, and Social Security number ( I included the exact photocopy id I used for all below ). Despite this, the information was either ignored, dismissed without investigation, or falsely verified as accurate, without providing any actual documentation or proof of verification. In Equifaxs case, they even claimed they could not verify my identity, despite receiving the same valid documents that were accepted by Experian and TransUnion. It raises concern about how Equifax is handling identity verification and dispute resolution in compliance with FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ), which require a reasonable reinvestigation and proper notice to the data furnisher.

This is not a new dispute. I am not initiating another dispute. I am demanding deletion. These accounts have already been disputed and remain on my report without legitimate verification. Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be removed.

The information has remained on my credit file despite their inability or refusal to produce any documentation validating the late payment reporting. This is willful noncompliance, and deletion is now the only acceptable resolution.

Company response to consumer: Closed with non-monetary relief