vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-07-17 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NM

Complaint narrative:
There are XXXX accounts with XXXX XXXX XXXX XXXX that were supposed to have been removed by XX/XX/year> from my credit report. The accounts still remain. I have filed disputes with Experian, TransUnion and Equifax but to no avail. The reporting agencies have not removed these accounts that are over XXXX years old.

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 2025-07-17 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: NM

Complaint narrative:
There are XXXX accounts with XXXX XXXX XXXX XXXX that were supposed to have been removed by XX/XX/year> from my credit report. The accounts still remain. I have filed disputes with Experian, TransUnion and Equifax but to no avail. The reporting agencies have not removed these accounts that are over XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank lies. I submitted this complaint because they charged me multiple overdraft fees a day for multiple days on an account for which I had already requested no overdraft protection. Then they refuse to refund the fees, and when the issue is reported here, the rep calls and lies, saying that there were no days when multiple overdraft fees were charged, which I can clearly see in my account. 

They change the rules as they go to steal money from their low-income clients, and they should be charged criminally for the high fees they charge for overdraft fees and how aggressively they fight them, and even lie to keep them. 

I have attached screenshots from my account showing the multiple overdraft fees I incur daily. The rep who calls says what I see is not real and that each fee was processed on a separate day. Everything about this predatory bank is a lie ; future customers should know and be warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
this credit reporting agency account was opened by someone else other than myself I was unaware of the account being open. I had no notice of the account until a charge off was reported on my credit. I contacted kickoff lending to inquire about the {$20.00} amount kickoff lending stated that the account was closed and that the payment was {$20.00} left and it would be a charge off. I then told kickoff that the account was opened fraudulently and I had no knowledge of the account. I also asked kickoff lending to send verification of my identity and who opened the account kickoff lending did not send either, and I tried to dispute the the charge on my credit report with the different credit bureaus each bureau denied the dispute, even though kickoff lending did not provide any proof. The only form of contact for kickoff lending was through email because they do not have a consumer number. After sometime, I paid the {$20.00} by cashiers check as requested by kickoff lending and I have proof of mailing receipt kickoff lending never responded after I sent payment and never removed the charge off or balance on my credit report. they also stopped responding to my emails, I had to use my partners emails just to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX XXXXXXXX - {$2800.00} ( account # XXXX ) XXXX XXXXXXXX - {$5500.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-07-17 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX LL - XXXX - Account not mine Public Record - XXXX XXXX XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint against TransUnion for refusing to correct inaccurate personal information in my consumer file, despite providing valid proof of identity. I submitted a copy of my government-issued passport clearly showing my correct legal name : XXXX XXXX XXXX XXXX 

TransUnion has refused to update my name and continues to report inaccurate information. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate information and correct errors upon notice. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel TransUnion to update my records with the correct information and delete any inaccurate data.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB Complaint Summary Equifax Reporting Violations ( with FCRA Citations ) In XX/XX/XXXX, I submitted a formal dispute to Equifax by certified mail and electronically. I included a notarized ID and utility bill. It has now been over 60 days, and no corrections have been made, violating FCRA 1681e ( b ), 1681i ( 5 ), and 609 ( a ). The following accounts are inaccurate, unverifiable, or outdated and must be permanently deleted : XXXX XXXX XXXX XXXX ( {$72000.00} ) Reports 6 late payments ( 60 days late ) from XXXX despite status Pays account as agreed. No payment validation or documentation provided.

Violation : FCRA 607 ( b ) ( inaccurate reporting ) XXXX XXXX XXXX ( {$0.00}, charged off XXXX XXXX ) Listed as charged off and also appears under LVNV Funding. Duplicate reporting of same debt.

Violation : FCRA 607 ( b ) ( misleading duplication ), 609 ( a ) ( failure to verify ) XXXX XXXX XXXX XXXX  ( {$32000.00}, opened XXXX XXXX, XXXX ) No signed agreement or chain of assignment from XXXX XXXX. Still active as of XX/XX/XXXX. 
Violation : FCRA 609 ( a ), FDCPA 809 ( b ) ( lack of verification and proof of ownership ) XXXX XXXX ( {$17000.00}, charged off XXXX XXXX ) 21 months of derogatory marks, past due reporting not validated.

Violation : FCRA 607 ( b ) ( no verified balance ), 1681e ( b ) ( incomplete accuracy procedures ) XXXX XXXX XXXX ( {$4200.00}, charged off XXXX XXXX  ) Duplicate tradeline of Citibank with 20+ months of CO marks.

Violation : FCRA 607 ( b ) ( duplicate and damaging tradeline ) XXXX XXXXXXXX ( {$0.00} balance, paid off XX/XX/XXXX ) Still marked as Paid charge-off even after full payoff. 13 negative months remain on file.

Violation : FCRA 1681e ( b ) ( inaccuracy due to outdated status ) XXXX XXXX XXXX XXXX ( 2 accounts, both {$0.00}, settled XX/XX/XXXX ) Marked as Charge-off and showing 15 negative months. Settlement accepted not properly reflected.

Violation : FCRA 607 ( b ), 1681e ( b ) ( unfair post-settlement harm ) XXXX XXXX XXXXXXXX ( {$25000.00}, charged off XX/XX/XXXX ) No signed loan documents, unverifiable debt. 6 late payments reported without any validation.

Violation : FCRA 609 ( a ) ( failure to verify ), 1681i ( 5 ) ( failure to remove unverifiable data ) Equifax has not complied with its reinvestigation obligations. I respectfully request that the CFPB intervene and compel permanent deletion of these items under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-07-17 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to report that I am victim of identity theft. Due to this incident, there is a balance on my credit card for charges I did not make or authorize. As a result, late payments have been reported on my credit, which I am not responsible for. These charges were without my knowledge, and I am requesting that the fraudulent balance and any related late payment marks be investigated and removed from my record.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXXXXXX XXXX. XXXX  XXXX -Account Number : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 survivor of XXXX XXXX. During that time, accounts were opened in my name without my consent. In 2024, I submitted an FTC Identity Theft Report and notified the credit bureaus. TransUnion permanently removed the XXXX XXXX account based on this. However, Equifax, Experian, and TransUnion continue to report other fraudulent or inaccurate accounts, including XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX My reports also include false names and addresses I have never used. 

Additionally, in 2024 I was notified that my personal data was compromised in the XXXX XXXX  XXXX XXXX data breach. This breach exposed my SSN, birthdate, and banking information. Since then, I have seen increased suspicious activity on my credit reports. I am requesting the permanent removal not correction of all accounts related to identity theft, trafficking, or the data breach under FCRA sections 605B and 605C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief