vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX DID A HARD INQUIRY WHICH I DID NOT AUTHORIZE, XXXX XXXX DID A HARD INQUIRY WHICH I DID NOT AUTHORIZE, has violated my rights. 15 u.s.c 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Using my XXXX payroll debit XXXX. I tried to withdraw {$400.00} dollars from an XXXX XXXX ATM at XXXX XXXX XXXX. XXXX, PA XXXX XXXX  on XX/XX/year> XXXX  XXXX at XXXX XXXXXXXX  The ATM sounded like it was counting the cash inside twice but did not give the cash out. It gave a recipt than shut itself off and turned back on and said out of order and than reset itself. This ATM withdrew the {$400.00} from my account but did not give the cash out of the machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment currently shown on my credit report. This entry is inaccurate and unfairly damages my financial standing. My verified records demonstrate a history of consistent, timely payments, and the negative reporting is clearly a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX 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 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX we sent an international wire transfer using TD Bank to a foreign bank, XXXX XXXX. The wire instructions clearly stated to send {$230000.00} USD dollars ; however, the actual amount received in the international bank was only {$210000.00}. The bank claims they sent the entire amount but based on the wire details provided by the receiving bank this was not the case. We have visited the branch several times in addition to calling the bank and no one seems to be able to provide an answer as to what happen with the remaining funds from the wire transfer. It has now been XXXX months, and no one is providing any answers for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I submitted XXXX claims to Capital One bank from the same merchant and purchases. They were submitted as separate claims due to some of the transactions being pending at the time claim XXXX was submitted but it was all from the same merchant ( an overseas scammer claiming to be a social casino app that was not actually a social casino and had rigged slots ). 




Claim XXXX : XXXX submitted XX/XX/XXXX for {$3500.00}. 

Claim XXXX : XXXX Submitted XX/XX/XXXX for {$1000.00}. 

Timeline of events XX/XX/XXXX : claim XXXX submitted XX/XX/XXXX : the merchant refunded {$850.00} from claim XXXX after the bank contacted them. 
XX/XX/XXXX : claim XXXX submitted XX/XX/XXXX : capital one denied claim XXXX stating I authorized the transactions. I called and had it reopened. They said they initially filed it under the wrong reasoning. 
XX/XX/XXXX : the bank requested additional information regarding claim XXXX. I provided all my paperwork. 
XX/XX/XXXX : the bank requested additional information regarding claim XXXX. I provided the same paperwork as it was the same merchant and transactions. 
XX/XX/XXXX : the bank provided me a temporary credit for claim XXXX totaling {$1000.00}. 
XX/XX/XXXX : I got an email that capital one decided to close all my accounts due to unusual activity. Was not able to provide what the unusual activity was when I called. 
XX/XX/XXXX : I got an email notification that claim XXXX was denied after investigation. I requested paperwork from the investigation and all it said was that I authorized it. 
XX/XX/XXXX : I got an email they approved claim XXXX due to fraud and that {$200.00} of my temporary credit was finalized and the rest was refunded from the merchant. However, the refunded amount from the merchant was from claim XXXX and was refunded before I even initiated from claim XXXX. Now they are trying to take back the rest of the temporary credit from claim XXXX. My account is negative and they want me to pay them back. 

I have tried calling many times both to tell them this is inaccurate. The XXXX  manager I spoke to told me they made an error and both claims should be approved, not just claim XXXX. He said he would escalate it and get it fixed. 

I got an email today XX/XX/XXXX that they denied claim XXXX again stating their initial investigation was correct. I tried calling and spoke to a manager named XXXX and she just kept repeating that they closed it and theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-22 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent, you are required to remove it from my credit report within a reasonable time frame. 
It has come to my attention that certain fraudulent accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these fraudulent activities. I have already submitted proper documentation indicating that these accounts were opened as a result of identity theft, and they should not be appearing on my credit report. Under FCRA 605B, once I have reported an account as fraudulent, it is your legal responsibility to remove it from my credit file within a reasonable period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX 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 2025-09-22 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because XXXX continues to report XXXX delinquent accounts more than 7 years after the Date of First Delinquency ( DoFD ), in direct violation of federal law. 
XXXX. XXXX Secured Credit Card ( Acct ending XXXX ) XXXX  : XX/XX/XXXX ( payment due XX/XX/XXXX not paid ; {$15.00} late fee assessed XX/XX/XXXX ). 
XXXX liquidated my CD deposit on XX/XX/XXXX ( {$500.00} ) to cover the card, and the account was closed as delinquent. 
Statements show the account marked seriously delinquent. 
This establishes XX/XX/XXXX as XXXX. Reporting beyond XX/XX/XXXX is unlawful. 
XXXX. XXXX XXXX XXXX ( Loan # XXXX XXXX XXXX XXXX ) XXXX : XX/XX/XXXX ( late fee assessed XX/XX/XXXX ). 
Account remained delinquent, with repossession charges in XX/XX/XXXX. 
This establishes XX/XX/XXXX as XXXX. Reporting beyond XX/XX/XXXX is unlawful. 

Prior Disputes : I have repeatedly disputed these accounts with both XXXX and the credit reporting agencies ( XXXX, Equifax, and XXXX  ). Despite this, the accounts continue to be furnished and appear on my credit reports. 

Violations : FCRA 605 ( a ) ( 5 ), 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting accounts more than 7 years past DoFD.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know ( or should know ) is inaccurate.

FCRA 611, 15 U.S.C. 1681i : Requires reinvestigation of disputed information; continuing to report invalid information after disputes is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
My credit reports are inaccurately reporting a XXXX XXXX  account ending in XXXX. The account is coded as open with a balance of {$250000.00}, yet it also shows a negative status and late payments that are not supported by the payment history. The payment history reflects consistent OK notations without delinquency, but the tradeline is still being flagged as derogatory. This is internally inconsistent reporting that violates XXXX XXXX compliance standards which require alignment between Account Status, Payment Rating, and the Payment History Profile. 

Equifax, Experian, and TransUnion are each reporting conflicting details on this same account. The status and balance reporting do not match across all three bureaus. Some bureaus reflect the account in dispute while others do not, further demonstrating a lack of uniformity and accuracy. These types of discrepancies create misleading data for creditors and unfairly harm my credit scores. 

I previously disputed this account, yet the bureaus verified it without providing any actual proof or a proper Method of Verification as required by 15 USC 1681i ( a ) ( 7 ). They did not provide the original mortgage contract, closing records, signed documentation, or any account-level evidence from XXXX XXXX. Instead, they simply parroted back furnisher data without conducting a lawful reinvestigation. This is not a reasonable investigation under the Fair Credit Reporting Act. 

This account as currently reported violates : 15 USC 1681e ( b ) : Failing to ensure maximum possible accuracy of reported information.

15 USC 1681i : Failing to conduct a reasonable reinvestigation after my disputes.

15 USC 1681i ( a ) ( 7 ) : Failing to provide the method of verification when I requested it.

Metro 2 XXXX  Standards : Failing to keep Payment Rating, Account Status, and History Profile consistent, and misrepresenting an account as negative when payment history shows it as current. 

These errors materially damage my credit profile by lowering my FICO scores, increasing my risk classification, and restricting my access to credit, housing, and fair lending opportunities. The continued reporting of this inaccurate account is unlawful, misleading, and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I initiated an international wire transfer through my bank PNC Bank ( PNC ) with instructions for the payment to be delivered in {$25000.00} XXXX  to a designated beneficiary at XXXX Bank in the XXXX XXXX. The transaction was confirmed and documented via XXXX XXXX # XXXX, which I have retained and included with this complaint. 

Despite clear instructions and disclosures, XXXX of the intermediary banks involved converted the XXXX to XXXX  using an incorrect and unfavorable currency exchange rate, resulting in a shortfall of {$1100.00} XXXX  from the transfer amount of {$25000.00} XXXX. No prior consent was provided for conversion to GBP or exchange rate adjustments at the intermediary level. A spreadsheet is attached with my version of what occurred based on information provided by PNC and what should of occurred had the correct conversion rates been used ( Please note the conversion to XXXX  should have never been done in the first place ). ( XXXX XXXX ). 

On numerous occasions, I contacted PNC Bank to seek clarification and resolution. I also filed a formal complaint with PNC, to this point nothing has been resolved. Overall PNCs response has not adequately address the discrepancy or provided any insight into what occurred or offer any solution. As the sending institution and remittance transfer provider, PNC has a legal obligation under Regulation E to ensure transparency and accuracy in fees, exchange rates, and delivery amounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX {$25000.00} XXXX {$21000.00} XXXX {$24000.00} $ ( XXXX ) Projected Using Current Exchange {$29000.00} XXXX XXXX XXXX {$22000.00} XXXX {$25000.00} ( XXXX )

Company response to consumer: Closed with monetary relief