vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: DE

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have consistently made timely payments, and any errors in this reporting are unfair and not in accordance 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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I purchased a car that I was told was worth {$2900.00} ( in which I put down {$4000.00} ).. 
My payments are {$680.00} a month for XXXX  months which makes the cat total over {$55000.00}.. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am submitting this complaint regarding PNC Banks handling of a refund that was sent to them by XXXX. 

I have contacted PNC Bank multiple times regarding these funds. XXXX provided me with a reference number to track the refund, which I shared with PNC Bank after they initially claimed they had no record of it. Despite this, the banks representatives and even a supervisor repeatedly denied having my funds. 

XXXX reopened the case, tracked the transaction, and confirmed that the funds were successfully cleared with PNC on or around XXXX XXXX XXXX. I spoke with a representative and a supervisor around XX/XX/XXXX and informed them of XXXX confirmation. Initially, the representative refused to take the reference number, and the supervisor also declined it until I insisted. Only then did they agree to look into it further, though they still claimed they could not see the funds. 

After that, I received yet another call from PNC asking me to repeat all of the details I had already provided to XXXX other representatives. This should have been properly documented in my case file to avoid unnecessary repetition, wasted time, and undue stress. 

PNC is currently in possession of my funds, which cleared to them through XXXX, yet they have failed to acknowledge receipt or release my refund. Meanwhile, the bank is benefiting from holding funds that do not belong to them. 

I respectfully request the CFPBs assistance in ensuring that PNC immediately acknowledges and releases my refund. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting a review of these accounts, and if they can not be verified as accurate, I request their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: AL

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this XXXX-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX  and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX  - XXXX 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 a 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 non-monetary relief
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate late payments reported on my XXXX XXXX  XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$4600.00} ). According to my credit report, the following late payments are reported : XXXX XXXX XXXX days XXXX XXXX XXXX days XXXX XXXX XXXX XXXX days lateXXXX XXXX XXXX days lateXXXX XXXX XXXX days lateThese reported late payments do not reflect my actual payment history. I have always made payments on time, and these inaccuracies are damaging my credit profile and limiting my financial opportunities.Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against inaccurate reporting : FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) Ensures credit reporting is fair, accurate, and respects privacy.FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting these late payments without verification violates this requirement.FCRA XXXX ( XXXX XXXX. XXXX ) Gives consumers the right to dispute inaccurate information ; the XXXX must conduct a reasonable reinvestigation within XXXX days. 
FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXXXXXX XXXX XXXXXXXX ) Requires furnishers to provide accurate and verifiable information. If the reported late payments can not be verified, they must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate late payments reported on my XXXX XXXX  XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$4600.00} ). According to my credit report, the following late payments are reported : XXXX XXXX XXXX days XXXX XXXX XXXX days XXXX XXXX XXXX XXXX days lateXXXX XXXX XXXX days lateXXXX XXXX XXXX days lateThese reported late payments do not reflect my actual payment history. I have always made payments on time, and these inaccuracies are damaging my credit profile and limiting my financial opportunities.Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against inaccurate reporting : FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) Ensures credit reporting is fair, accurate, and respects privacy.FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting these late payments without verification violates this requirement.FCRA XXXX ( XXXX XXXX. XXXX ) Gives consumers the right to dispute inaccurate information ; the XXXX must conduct a reasonable reinvestigation within XXXX days. 
FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXXXXXX XXXX XXXXXXXX ) Requires furnishers to provide accurate and verifiable information. If the reported late payments can not be verified, they must be corrected or removed.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. As outlined in XXXX XXXX XXXX ( b ) and XXXX, my credit report must include only information that is accurate, complete, and verifiable. I am requesting that these entries be reviewed and verified, and if they can not be confirmed, they should be corrected or deleted.

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 2025-09-18 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: IN

Complaint narrative:
I am filing this complaint regarding multiple inaccurate late payments reported on my XXXX XXXX  XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$4600.00} ). According to my credit report, the following late payments are reported : XXXX XXXX XXXX days XXXX XXXX XXXX days XXXX XXXX XXXX XXXX days lateXXXX XXXX XXXX days lateXXXX XXXX XXXX days lateThese reported late payments do not reflect my actual payment history. I have always made payments on time, and these inaccuracies are damaging my credit profile and limiting my financial opportunities.Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against inaccurate reporting : FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) Ensures credit reporting is fair, accurate, and respects privacy.FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting these late payments without verification violates this requirement.FCRA XXXX ( XXXX XXXX. XXXX ) Gives consumers the right to dispute inaccurate information ; the XXXX must conduct a reasonable reinvestigation within XXXX days. 
FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXXXXXX XXXX XXXXXXXX ) Requires furnishers to provide accurate and verifiable information. If the reported late payments can not be verified, they must be corrected or removed.

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 2025-09-18 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: CA

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian responded my dispute letter XXXX, Dispute Result XXXX XXXXXXXX regarding inaccurate and incomplete information due to a late payment on my credit report ; they replied " Verified/Accurate ''. Account XXXX XXXX XXXX XXXX XXXX The account that they responded verified to still has inaccurate and incomplete information. Account XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX Experian is publishing fraudulent and inaccurate information on my consumer report and is not providing accurate information about what data it is using to verify this information.

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 2025-09-18 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: FL

Complaint narrative:
I am writing to dispute and request a correction to the information currently reported on my credit file regarding the following account : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} The child support account ( Account # XXXX XXXX XXXX XXXX XXXX  ) is being reported inconsistently across XXXX, Experian, and XXXX. XXXX  lists the account as open with a current payment status and a last payment date of XX/XX/XXXX, while Experian reports it as paid, yet shows multiple months in the two-year payment history as CO ( charged-off ) and a last activity date of XX/XX/XXXX, which contradicts the actual last payment date. XXXX  reporting further adds confusion by associating the account with collection or government claim notes, even though the balance is {$0.00} and payments are current. These conflicting statuses open vs. paid, current vs. charged-off, and differing last activity dates demonstrate that the furnishers are not providing consistent, verifiable data. Reporting an account as both current and derogatory or as paid while showing charge-off notations is misleading and inaccurate. Because of these discrepancies, this account should be corrected across all bureaus to reflect the accurate status or removed entirely. According to my credit report, this account was opened in XX/XX/XXXX and is now reporting inconsistently across the credit bureaus. XXXX  lists the account as Open with a {$0.00} balance, while Experian reports it as Paid with a {$0.00} balance. Additionally, comments indicate that the account was a collection account, government claim, or terminated for default, which is inaccurate and misleading given that the balance is {$0.00} and the account is marked as current. This account has been satisfied in full, and no past due balance exists. Reporting it in a manner that suggests collection activity or default is not accurate and unfairly impacts my credit profile. I respectfully request that this account be corrected to reflect the following : A closed/paid status with a {$0.00} balance. Removal of any misleading remarks that suggest collection, default, or government claim status. Consistency across all credit bureaus so that the reporting accurately reflects the true account standing. This account has been fully resolved, and there is no outstanding balance or derogatory status to be reported. Under the Fair Credit Reporting Act, I am requesting reinvestigation and prompt correction of this information.

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 2025-09-18 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 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 2025-09-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 non-monetary relief