vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

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 XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am a long-time Citizens Bank customer and a senior living on Social Security . My debit card was suddenly frozen by their fraud department on XX/XX/XXXX, and I have been unable to access my only source of funds. I have tried multiple times to verify my identity, but the fraud department does not recognize my cell phone number. I have been trying since XXXX, both in the branch and on the phone with the fraud department, to get this fixed. Because of this, I have been told I must visit a branch in person every time there is an issue. Unfortunately, I do not have transportation and can not get to a branch. 

As a result, my account is now overdrawn as of XX/XX/XXXX. I called the fraud department to get the freeze lifted ( XX/XX/XXXX and XX/XX/XXXX ) so that I have a small deposit and refund pending. I talked to XXXX supervisors and several representatives, the last being rude and flippant. On XX/XX/XXXX, I was charged a service fee. 

As Social Security is my sole source of income and all my savings were stolen from me last year, I now have no money for food or medicine until my next Social Security payment on XX/XX/XXXX. 



This is an emergency and a hardship situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am submitting this complaint against Equifax and TransUnion for their ongoing reporting of a tradeline that has been removed by XXXX  The tradeline : Credit Card XXXX XXXX XXXX Account # XXXX. Although XXXX  removed this item as of XX/XX/year>, Equifax and TransUnion continue to report it as a charge-off, which is inconsistent, misleading and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain and follow reasonable procedures to assure maximum possible accuracy. When XXXX XXXX XXXX deletes a tradeline due to verified inaccuracy, the continued reporting by other bureaus of the identical account demonstrates a failure to meet that standard. 

Furthermore, under 15 U.S.C. 1681i ( a ), both Equifax and TransUnion are required to conduct a reinvestigation when a consumer disputes information in their file. Given that XXXX  removed the tradeline, the continued reporting by the other XXXX bureaus suggests either ( a ) they ignored the deletion, ( b ) they failed to verify accuracy, or ( c ) they failed to coordinate data across bureaus, all of which violate the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
I filled a disputed for some unauthorized transactions I was told it would be credited Wednesday then I call today they say Friday the normal policy for a request is 2 days but mines is taking 5 but they cant give me a option on why Im very sick and need to recover those funds I dont have help I have to pay out of pocket for medicine and Im behind out rent they kept hitting me with running around hanging the phone up I had to make 2 request they literally violated the banking rules

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-22 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: MS

Complaint narrative:
Absolutely, XXXX. Heres a * * stronger, FCRA-focused version * * of your dispute letter that emphasizes legal obligations and your rights. This version is more assertive while remaining professional : -- - * * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * * Subject : * * Formal Dispute of Inaccurate Credit Reporting Credit XXXX Account # XXXX Dear Equifax, Experian, Transunion XXXX Department, I am writing to formally dispute inaccurate reporting on my credit report concerning the XXXX XXXXXXXX account beginning with * * XXXX * *. The report of Equifax is currently lists this account as * * open * * with a balance of * * {$820.00} * * and a high balance of * * {$670.00} * *, which is inaccurate and misleading. 

# # # Facts of the Case : XXXX. This account was * * closed * * and subsequently * * sold to XXXX XXXX * *, a debt collector. Reporting it as open is false. 
XXXX. The reported balances are * * inaccurate * *. My credit line was {$300.00}, and the balances reported by all three credit bureas are inconsistent with both my records and reporting from other credit bureaus, which show {$0.00}. 
XXXX. Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) * *, you are legally required to report information that is * * accurate, complete, and verifiable * *. Reporting a closed account as open with an inflated balance violates this law. 

# # # Requested Action : * Immediately update the account status to * * Closed Transferred/Sold to Collections ( XXXX Funding ) * *. 
* Correct the * * current balance * * to reflect the accurate amount owed at the time of transfer, or {$0.00} if appropriate. 
* Correct the * * high balance * * to the accurate historical amount. 
* Remove any reporting that misrepresents the account as open or active. 

I have attached documentation supporting my dispute, including : * Statements from XXXX  XXXX * Correspondence from XXXX XXXX confirming the account transfer Under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to * * investigate and respond within XXXX XXXX days * *. Please provide written confirmation of the corrections once your investigation is complete. 

Failure to correct this inaccurate reporting could constitute a violation of federal law. I expect prompt action to ensure that my credit report accurately reflects my account history. 

Sincerely, * * XXXX XXXX * * * * Enclosures : XXXX XXXX XXXX XXXX XXXXXXXX statements * XXXX XXXX correspondence

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 2025-10-22 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: MS

Complaint narrative:
Absolutely, XXXX. Heres a * * stronger, FCRA-focused version * * of your dispute letter that emphasizes legal obligations and your rights. This version is more assertive while remaining professional : -- - * * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * * Subject : * * Formal Dispute of Inaccurate Credit Reporting Credit XXXX Account # XXXX Dear Equifax, Experian, Transunion XXXX Department, I am writing to formally dispute inaccurate reporting on my credit report concerning the XXXX XXXXXXXX account beginning with * * XXXX * *. The report of Equifax is currently lists this account as * * open * * with a balance of * * {$820.00} * * and a high balance of * * {$670.00} * *, which is inaccurate and misleading. 

# # # Facts of the Case : XXXX. This account was * * closed * * and subsequently * * sold to XXXX XXXX * *, a debt collector. Reporting it as open is false. 
XXXX. The reported balances are * * inaccurate * *. My credit line was {$300.00}, and the balances reported by all three credit bureas are inconsistent with both my records and reporting from other credit bureaus, which show {$0.00}. 
XXXX. Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) * *, you are legally required to report information that is * * accurate, complete, and verifiable * *. Reporting a closed account as open with an inflated balance violates this law. 

# # # Requested Action : * Immediately update the account status to * * Closed Transferred/Sold to Collections ( XXXX Funding ) * *. 
* Correct the * * current balance * * to reflect the accurate amount owed at the time of transfer, or {$0.00} if appropriate. 
* Correct the * * high balance * * to the accurate historical amount. 
* Remove any reporting that misrepresents the account as open or active. 

I have attached documentation supporting my dispute, including : * Statements from XXXX  XXXX * Correspondence from XXXX XXXX confirming the account transfer Under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to * * investigate and respond within XXXX XXXX days * *. Please provide written confirmation of the corrections once your investigation is complete. 

Failure to correct this inaccurate reporting could constitute a violation of federal law. I expect prompt action to ensure that my credit report accurately reflects my account history. 

Sincerely, * * XXXX XXXX * * * * Enclosures : XXXX XXXX XXXX XXXX XXXXXXXX statements * XXXX XXXX correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 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:
Dear Equifax 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 INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 15 USC 1681b ( 2 ) 15 USC 1681 ( q ) 15 USC 1681 c-2 XXXX XXXX ( collections ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
Dear Equifax 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S
Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because my credit report still lists outdated and inaccurate personal information, despite multiple requests to have it corrected. 
I have contacted the credit reporting agency three times to remove old addresses and employment information that are no longer valid. These outdated records serve no purpose in identifying me and may cause confusion or misidentification. As of my most recent credit report, dated XX/XX/year>, the following information remains on file and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XXXX XXXX, XXXX, OH XXXX My current and correct address is : XXXX XXXX, XXXX, OH XXXX this is the only address that should appear on my report. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain the maximum possible accuracy of consumer information. Continuing to report outdated data violates this obligation and negatively impacts the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-22 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation