vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over the course of three days I spoke with a number of representatives. I spoke with two escalation managers : XXXX and XXXX. I was told that Wells F had deleted my on-line statements because my card had been lost and replaced. Four times Wells F people told me that my statements would be emailed within XXXX hours. I never received them. I asked to have a test email sent. They said that was impossible. I asked to have them read the email address they were using, they said that was impossible. I can not prepare my taxes which are due tomorrow without this information. The last useless person, XXXX told me he could see my statements but he could not send them.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Ive been with PNC about 7 years and nevermind had any issues but recently I received a message stating my XXXX  profile was suspended. I reached out to that department and was told " we reserve the right to suspend this service ". I asked was there a problem and was told " we reserve right to block this service and we do not have to give reasoning ''. After asking for additional information, none was given. I proceeded to say that on Friday I will go into the branch and close my accounts to take my business elsewhere. The CSR responded that they will notify my new bank and my profile will also be blocked. On Thursday pnc locked me out of my online access and froze my accounts. A few days later I called customer service regarding the block and they denied blocking my access. I asked what happened with my XXXX and was told there's no notes in the system and my profile is block forever. I filed a compliant. After being with my new bank about a week they sent me a notification stating my XXXX  was blocked and that it was reported from my previous bank. I called XXXX who stated pnc reported my account and stated there was fraud. I called pnc to find out what fraud was done and was told no fraud was reported on my account. I asked could that be reported to XXXX since the information was inaccurate and pnc said no

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
Dear sirs, you have reported my account 90 days late. 
On XX/XX/year> I received a letter that auto payments where approved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Info : Auto debit has been applied to your account. 
Dear XXXX, XXXX XX/XX/year> Account : XXXX We are writing to confirm your enrollment in auto debit for your XXXX account, which you authorized on XX/XX/year>. 
Your Auto Debit Details Starting after : XX/XX/year> Amount and first debit date : Refer to your monthly billing statement Bank account : Routing number ending in : XXXX Account to be debited ending in : XXXX Automating your payments is beneficial to fulfilling your agreement to repay your loan ( s ) according to the terms of your promissory note. 

I do not undertsand why the payments are not posted to my account. 
Please correct this information with the credit bureaus. 
" Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
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 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 2025-10-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-14 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: TX

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered multiple inaccurate, unverifiable, and misleading accounts that continue to appear despite previous disputes. These negative items are being reported without proper validation, documentation, or consistency between bureaus all in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Creditors and collectors such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have reported conflicting and unverifiable information that fails to meet federal reporting standards. 

The XXXX XXXX account lists both Charged Off and Purchased by another lender, which is contradictory and misleading. This demonstrates clear noncompliance with FCRA 607 ( b ) ( maximum possible accuracy ) and FDCPA 807 ( 2 ) ( A ) ( misrepresentation of debt ). 

XXXX XXXX has reported a late payment after the account was closed, which is not possible and constitutes inaccurate post-closure reporting. XXXX XXXX XXXX XXXX continues to report multiple late payments without producing billing statements or other records verifying the accuracy of these delinquencies. Additionally, theyve added a remark of Dispute resolved ; reported by grantor, which was never verified with me as the consumer. 

Finally, XXXX XXXX XXXX continues to report a collection account with varying balances across all three credit bureaus, yet no proof of ownership, assignment, or original signed documentation has ever been provided. This violates FCRA 607 ( b ) and FDCPA 809 ( b ). 

These continued reporting errors demonstrate a lack of compliance with federal consumer protection laws. The data furnished to the credit bureaus is inaccurate, incomplete, and unverifiable causing ongoing harm to my creditworthiness and financial standing.

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 2025-10-14 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-14 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have requested this account to be removed, I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There was a charge on XX/XX/year> with Citi ( R ) cards, XXXX XXXX XXXX, XXXX XXXX SD XXXX in the amount of {$420.00} for XXXX XXXX. This charge was for a service repair on our XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with an error code of XXXX. The technician came out and said the repair was complete. Immediately after the service was complete, the washer had the same error code of XXXX. I contacted XXXX to request a refund. They refused. I contacted citi multiple times to ask for a refund. They contacted the merchant and the merchant will not refund the money. Yes they did come out for the service HOWEVER they DID NOT fix the issue that was originally reported. I should not have to pay for a service the did NOT correct the problem.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
There are errors being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
Ive recently filed a dispute worth {$1000.00} with Chime Bank on XX/XX/XXXX. I previously was incarcerated for 30 days ( XXXX XXXX XX/XX/XXXX ) so none of the charges made during those 30 days were made by me or authorized by me, the account holder. I provided a physical photo of my mugshot & proof that I was incarcerated but, as of XX/XX/XXXX my dispute has been denied. Im currently in the stages of being evicted due to this unfortunate circumstance but Im hoping that this complaint gets addressed and resolved. The customer representative was very rude and didnt care to help or provide me with any assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report this morning and saw that the inaccurate late payments are still showing there, which is really frustrating. Even after refreshing my browser, nothing changed. I need the documents I sent to be reviewed carefully so this can finally be fixed once and for all.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I lawfully submitted a written dispute requesting debt validation and proof of ownership/unbroken chain of title of the alleged debt XXXX is reporting and collecting on. As required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), XXXX was to cease all collection activities, including credit reporting, until proper validation was provided. 

* To date, as of XX/XX/XXXX, well over 30 days have passed since XX/XX/XXXX, and I have not received any debt validation nor chain of title, as requested according to federal law. XXXX alleged claim that validation was mailed on or around the XXXX day is unsubstantiated, unvalidated, and unproven, as no proof of contents, certified mailing, or tracking confirmation has been provided to demonstrate delivery or authenticity. 

* By law, I am not required to take their word for compliance. Proof of validation and an unbroken chain of title/assignment must be provided to confirm legal ownership of the alleged account. XXXX has failed to provide either. 

* Additionally, the Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ) data breaches have already exposed my personal identifying information. By continuing to report and share unvalidated and fraudulent account information, XXXX and the CRAs have further compromised my data integrity and privacy. * According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies ( CRAs ) can not merely rely on a furnishers data ; they must perform an independent investigation into its accuracy. XXXX 's inaccurate and unvalidated reporting has caused extreme violations of federal 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I lawfully submitted a written dispute requesting debt validation and proof of ownership/unbroken chain of title of the alleged debt XXXX is reporting and collecting on. As required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), XXXX was to cease all collection activities, including credit reporting, until proper validation was provided. 

* To date, as of XX/XX/XXXX, well over 30 days have passed since XX/XX/XXXX, and I have not received any debt validation nor chain of title, as requested according to federal law. XXXX alleged claim that validation was mailed on or around the XXXX day is unsubstantiated, unvalidated, and unproven, as no proof of contents, certified mailing, or tracking confirmation has been provided to demonstrate delivery or authenticity. 

* By law, I am not required to take their word for compliance. Proof of validation and an unbroken chain of title/assignment must be provided to confirm legal ownership of the alleged account. XXXX has failed to provide either. 

* Additionally, the Equifax ( XXXX ), Experian ( XXXX ), and TransUnion ( XXXX ) data breaches have already exposed my personal identifying information. By continuing to report and share unvalidated and fraudulent account information, XXXX and the CRAs have further compromised my data integrity and privacy. * According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies ( CRAs ) can not merely rely on a furnishers data ; they must perform an independent investigation into its accuracy. XXXX 's inaccurate and unvalidated reporting has caused extreme violations of federal 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 2025-10-14 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and Inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Everything on FTC and PDF is fraud Remove immediately!

15 USC 1681c-2 I did not authorize. Block and remove 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