vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: MS

Complaint narrative:
I am disputing unauthorized duplicate hotel charges from extended stay XXXX, and my bank mishandled my dispute after initially refunding me. The bank, XXXX checking later reversed the refund even though the evidence clearly shows the charges were not authorized. 

Here is the timeline : XX/XX/XXXX : I prepaid {$680.00} for a 7-day hotel reservation through XXXX. This payment covered the entire stay. 

XX/XX/XXXX : When I arrived at the hotel to check in, the front desk told me I needed to pay {$35.00} for weekly WiFi. I agreed to pay {$35.00} only. 


Instead of charging {$35.00}, the hotel charged my card a second {$680.00}, which is the exact same amount as the prepaid booking. This is duplicate billing for the same reservation. 

I did not authorize another room charge. The room was already fully paid for on XX/XX/XXXX. 

Why this is unauthorized : The only amount I agreed to on XX/XX/XXXX was the {$35.00} WiFi fee. 
The additional {$680.00} charge was never approved, never disclosed, and is a duplicate of my original payment. 

This fits the legal definition of an unauthorized transaction, because I did not knowingly approve the additional charge and did not receive any additional goods or services beyond the reservation I had already prepaid. 

How my bank mishandled the dispute : I disputed the unauthorized charge. 
My bank refunded me initially. 
Later, the bank reversed the refund and closed the case, even though the hotel charged me for the same room twice. 
My bank did not consider the XXXX prepaid receipt dated XX/XX/XXXX, which proves the hotel was not authorized to charge me again on XX/XX/XXXX. 

I am requesting the CFPBs assistance in having the bank : XXXX. Reopen the dispute XXXX Review the full evidence, including the XXXX payment XXXX. Correct the unauthorized second room charge XXXX. Provide a written explanation of the banks previous handling I am simply asking for a fair investigation based on the documented timeline and the fact that the second charge was never authorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-28 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:
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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I rented this apartment from XXXX of XXXX  to XXXX of XXXX and when I moved out, they tried to get more money from me for damages that I never incurred. unknown to them that I have a video and pictures of how Immaculate and intact the apartment was before moving out. I tried to resolve the situation with them, but all to no avail as they never responded to my email or call me back after I went in the office on three occasions trying to resolve the situation by showing them pictures and videos I made while I was moving out and they couldn't point at anything that was wrong from the video and yet decided to put it on my credit claiming I incurred damages when I moved out which is false. They are fond of doing this because it's student housing and most students are international, so they take advantage of the situation. You can check their reviews on apartment rating and other platform to see how horrible their reviews are. The name of the apartment is Raiders XXXX apartment in XXXX Texas. The apartment is unkept, bugs and roaches everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CBC Companies, Inc.
State: TX

Complaint narrative:
am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX ( XXXX ), ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX FRAUDELENT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CORELOGIC INC
State: TX

Complaint narrative:
am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). 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, FRAUDELENT INQUIEIES 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  XX/XX/XXXX. Under FCRA 604 & XXXX  ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & XXXX  ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
credit acceptance offered to cut my loan down to {$4800.00}, however my loan still says {$23000.00}, with all XXXX credit bureau I am disputing the loan amount for the XXXX settlement or removed from my credit report phone call was recored they are also reporting XXXX late payments for a totaled vehicle I was offered a settlement for

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 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I disputed XXXX collection accounts being reported by Credit Collection Services ( CCS ) because they appear to be duplicate entries for the same alleged XXXX XXXX debt. XXXX  accounts list different balances ( {$480.00} and {$390.00} ), but CCS did not provide any documentation showing that these are XXXX separate valid debts. 

I sent CCS a written Debt Validation Request under FDCPA 809 ( b ). CCS did not provide any validation for either accountno billing statements, no explanation of the XXXX balances, and no proof of ownership or rights to collect. Despite this, CCS continued reporting both accounts, which violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ), and 808.

After receiving no validation, I disputed both accounts with the credit bureaus. However, the bureaus verified the accounts even though CCS failed to provide documentation. This violates FCRA 611 ( a ) ( 1 ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), because the information is inconsistent, unverified, and duplicated. 

I am requesting CFPB assistance because CCS is reporting unvalidated and duplicate collection entries, and the credit bureaus continue publishing these inaccurate accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/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 UNAUTHORIZED INQUIRIES : Experian 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX {$0.00} CXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$450.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} Statement : I am disputing these charged-off accounts appearing on my Experian report because I believe they are being reported inaccurately. Some accounts report different dates or balances compared to other bureaus. I previously attempted to dispute these items, but Experian did not provide proper verification. I request a complete reinvestigation and removal of any account that can not be fully validated under the FCRA. 

Inquiries in Dispute ( No inquiries listed for EX ) Late Payments in Dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX Statement : Experian is reporting late payments for these accounts that appear to be inaccurate or incomplete. I have not received documentation verifying the accuracy of these late-payment entries. I request that Experian provide full validation or correct/remove any unverifiable late-payment information as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC charged a {$25.00} fee to my checking account when it had a zero balance, pushing it to {$24.00}. I never agreed to or expected fees on an inactive, no-balance account, and I find it completely unacceptable that PNC would impose charges under these circumstances. Their actions feel predatory and unreasonable, and I am shocked a major bank would handle customer accounts this way. I refuse to accept responsibility for a fee that should never have been charged.

Company response to consumer: Closed with monetary relief