vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: WV

Complaint narrative:
This is pertaining to a XXXX XXXX account and the account number is the one ending in XXXX supposedly. I have tried to have them remove this account for my credit because it is closed and been paid for by insurance. The last attempt I ended up receiving a letter on XX/XX/XXXX at 2025 is when it was printed from XXXX  XXXX. In this letter it states that we are pleased to inform you that your claim regarding the account balance on your XXXX XXXX has been resolved in my favor and they credited the account the amount of {$110.00}. This just proves that they know it should be removed from my account or my credit reports. And they put it back on the credit with that deduction trying to make it look like I paid on the account that is closed. I did not and in the information and proof that follows you will see this. They need to remove this account from my credit if nothing else a XXXX gesture of deletion since they know they're shaming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: WV

Complaint narrative:
This is pertaining to a XXXX XXXX account and the account number is the one ending in XXXX supposedly. I have tried to have them remove this account for my credit because it is closed and been paid for by insurance. The last attempt I ended up receiving a letter on XX/XX/XXXX at 2025 is when it was printed from XXXX  XXXX. In this letter it states that we are pleased to inform you that your claim regarding the account balance on your XXXX XXXX has been resolved in my favor and they credited the account the amount of {$110.00}. This just proves that they know it should be removed from my account or my credit reports. And they put it back on the credit with that deduction trying to make it look like I paid on the account that is closed. I did not and in the information and proof that follows you will see this. They need to remove this account from my credit if nothing else a XXXX gesture of deletion since they know they're shaming me.

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 2025-09-12 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: NY

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am filing this complaint regarding an account reported by XXXX XXXX on my Experian credit report. The reporting contains several inaccuracies and contradictions that I believe violate the Fair Credit Reporting Act ( FCRA ) and are harming my credit profile.

Here are the issues Ive identified : 1. Dispute Process Not Handled Properly - My credit report shows Y ITEM DISPUTED BY CONSUMER, but the reinvestigation section lists Invalid date multiple times instead of actual dispute history. This suggests Experians system did not accurately record or process my dispute.

2. Contradictory XXXX XXXX - XXXX account status says : Account charged off. {$2600.00} written off. {$2400.00} past due as of XX/XX/XXXX. - However, the payment history says : XXXX XXXX as of XX/XX/XXXX to XX/XX/XXXX. - This is contradictory and confusing. A charge-off can not occur in the future, and the overlapping dates are inaccurate. 

XXXX. Repossession and Charge-Off Reported Together - The payment history lists repossession as of XXXX and XX/XX/XXXX, while the account status lists a charge-off. - It is unclear if this account is being reported as a repossession, a charge-off, or both. This creates duplicate derogatory reporting for the same account. 

4. Balance and Written-Off Amount Dont Match - The report states : {$2600.00} written off but also shows {$2400.00} past due. - If the account was charged off, the reporting of an additional past-due balance is misleading and does not reflect the true deficiency balance. 
5. Reporting Period May Exceed XXXX  Years - The account is scheduled to remain on record until XX/XX/XXXX. - Since the account was opened in XXXX and major delinquencies began in XXXX, this timeline seems to exceed the XXXX reporting limit under the FCRA for negative information. Because of these inconsistencies, my credit report is inaccurate and misleading. I am requesting that the CFPB require Experian and XXXX XXXX to : - Correct or remove inaccurate information. - Clarify whether the account is a repossession, charge-off, or both. 
- Ensure the balance and written-off amounts are reported correctly. - Verify that the account is not kept on my report longer than the FCRA allows. 
Thank you for your time and assistance. I would appreciate your help in making sure my credit report is updated to reflect accurate and lawful reporting. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I accidentally transferred money from a XXXX account to a closed banking account it has been XXXX month today. I have called them numerous times finally got an answer collection has it for XXXX that I owe them. The amount transferred was XXXX. Finally XXXX from support called me Monday said a check would be mailed to me in XXXX days. Well it's Friday nothing he said he is waiting on collections to give him an update. I was told they can't sent the money back the way they received he said no has to be by cashiers check. I asked him to expedite he said there is nothing he can do to expedite it. This is with PNC bank. XXXX month for a XXXX this is ridiculous. They owe me over XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This serves as my official dispute of the referenced accounts. I did not authorize them, and they are fraudulent. I request an immediate investigation and removal. Supporting materials are attached.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. Cloud, MN XXXX Re : Request for Debt Validation Account Number : Never was given an account number To Whom It XXXX Concern, I am writing in response to your claim regarding the above-referenced account. This letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Specifically, please provide the following : The amount of the alleged debt, including a breakdown of interest, fees, and other charges. 

The name and address of the original creditor. 

A copy of the original signed agreement or contract creating the obligation. 

Documentation proving Jefferson Capital Systems , LLC has the legal right to collect this debt. 

XXXX that this debt has not been sold, paid, XXXX, or otherwise invalidated. 

A copy of the payment history or statements from the original creditor. 

Until these documents are provided, you must cease collection activity, including reporting to credit bureaus. Reporting unverifiable information XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please note : I am requesting all communications be conducted in writing. Telephone calls are inconvenient and are not permitted. 

If you can not provide the requested documentation, you must immediately cease collection efforts and remove any reference to this alleged debt from my credit report. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am requesting that American Express correct its dispute resolution as they apparently believe that multiple days of XXXX on a bed is ok for a hotel room. AMEX received all evidence and gave no indication to doubt its accuracy. I submitted a dispute after we and our travel agent tried to resolve with the hotel, who has gone out of their way to justify that a room with XXXX is ok. AMEX XXXX the hotel for not resolving the dispute in our favor, which runs contrary to laws around consumer protection as they would not allow a thief to lie to maintain ownership of an item. This is Dispute Reference number XXXX and I am filing it myself as Amex delayed XXXX the matter when my husband legally filed on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-12 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
XXXX XXXX Zelle request to deposit funds of XXXXXXXX XXXX Zelle request to pay funds of XXXX XXXX Zelle request to pay funds of XXXX XXXX  Zelle request to pay funds of XXXX XXXX Zelle request to pay funds of XXXX rcvd Zelle request to pay funds of XXXX XXXX Zelle request to pay funds of XXXXZelle refused to assist with the continued harassment of the continuous fraudulent requests/demands for funds. All transaction requests are from one Zelle user using the Zelle Application to do so.\nZelle has refused to assist in stopping the fraudulent funds requests facilitated through the use of their platform/services.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was issued a credit card from Truist bank. I never received the card and advised them on XX/XX/year> that i did not receive it. The card was used in New York, i live in Pennsylvania. The total amount used is XXXX total. They adjusted the card on XX/XX/year> XXXX weeks later on XX/XX/year> they re-added the charges to the new new card and is telling me the charges are valid but not providing any proof. I am absolutely appalled at how they conducted their investigation. I called and asked if they need a police report, polygraph test what to prove that i never authorized these transactions. They said a denial letter will be mailed to me within XXXX business days,. they are expecting me to pay for something i didn't do. I worked very hard to keep my good credit rating and I will not allow them to mess up my credit. This entire situation i very confusing and deeply concerning. Something unethical is going on, i have been very clear from the beginning that I did not receive this card and yet the fraudulent charges have been upheld as valid. someone is not doing their job correctly, it is absolutely impossible for me to be at work in Pennsylvania XX/XX/year>, XX/XX/year>, XX/XX/year> and be shopping in New York. .As a customer i expect XXXX to conduct a fair and ethical investigation, I believe my concerns have not been met by XXXX XXXX I respectfully ask that you act on my behalf to seek assistant for me

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 monetary relief
Consumer complaint received 2025-09-12 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: AL

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My vehicle had been stolen for months. It was finally recovered and the police arrested the person for grand theft auto. The car was seen on the freeway in XXXX XXXX hours away from where the car was stolen. I was informed and went up to XXXX only to be told I must now go to the car lot and pay to get it out as it had been towed by the police. When I got to the location I was told that I must prove it is my vehicle. My registration card and along with other documents were no longer in the vehicle so I had returned back to XXXX XXXX and the very next day went to the auto tag place. Then was told to go to court to pay citation tickets that now were attached to my tag due to the person who had stolen my vehicle had made. Once I paid those off which took some time since I had to go to XXXX different courts close to where the were issued I was then told to go to the XXXX. Once all that was done I returned to XXXX in the hopes to pay and pick up my vehicle taking time offf work also. Once I got there I was informed that my bank who have a loan out for the vehicle were called and they came and payed with a check and took the vehicle. 
I called Santander bank and they informed me that they had sold my vehicle a day ago. 
This is so wrong for them to have done so. I came to find out that they did not even have my email address which is XXXX and my phone was stolen along with my car which the police had kept but since realized in their evidence office once the car had been recovered. I am now stuck with a repossession on my credit and have a XXXX XXXX XXXX that I can XXXX XXXX to school. I am a single mother who works 6 days a week and am finding it hard to have anyone allow me to take out another loan or lease a vehicle. 

Please can you help me. I have the police report also I had eventually surrendered my tag after months thinking my car would never be found. The person who stole my car is still in prison up in XXXX this is a true and accurate account of what actually occurred. 

My email address is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received about a dozen phone calls per day and the calls are coming in day and night. I would blocked the number and they would call from a different number. They have made my life a living XXXX. My phone is constantly going off. I have informed them that I am on a do not call list but that did not deter the calls.

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 2025-09-12 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 just reviewed my Experian report and noticed fraudulent names, addresses, and phone numbers on my report. The addresses XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are fraudulent and need XXXX be XXXX from my Experian report. 
Credit Card Opened by the Thief Company or Organization : 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