vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent written disputes and document requests more than 40 days ago. To date, the only verification I have received is a restatement of what already appears on my credit report, which is not competent verification.I am disputing late payment markers reported by XXXX XXXX on my revolving credit card ending XXXX. The XXXX XXXX tradeline shows inconsistent and materially conflicting data across the three CRAs for the same period, which indicates a failure to ensure maximum possible accuracy and proper Metro 2 reporting : Dates & Balances conflict : Date of Last Activity ( DOLA ) differs dramatically across bureaus ( e.g., XX/XX/XXXXXXXX  vs XX/XX/XXXXXXXX  vs XX/XX/XXXXXXXX  ), which can not all be accurate for the same account and cycle. 
Reported Balance differs ( {$10000.00} vs {$11000.00} ) and Credit Limit is missing/ {$0.00} on one bureau while present on others ( {$11000.00} ), which violates completeness/consistency standards. 

The two-year payment grid shows 30-day delinquency in at least one bureau while others show OK for the same months, and one bureau uses UN/unknown placeholders rather than accurate monthly compliance codes. This is inconsistent with the Metro 2 XXXX requirement th

at Payment Rating/Current Status and month-by-month history be internally consistent and synchronized across CRAs. Law since you all are not aware of violations : FCRA 607 ( b ), 15 U.S.C. 1681e ( b
) duty to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 623 ( a ) duty of furnishers to report accurate information and correct/complete information when notified.

FCRA 623 ( b ) duty to conduct a reasonable investigation after receiving dispute notice from a CRA.

Metro 2 XXXX requires accurate, complete, internally consistent fields-Payment Rating, Current Status, Date of First Delinquency, Credit Limit/High Credit , monthly repayment grid For a late-payment allegation you have to show competent documentary evidence is required-let me tell you examples : complete internal payment ledger, accounting system screenshots showing posted dates/amounts, billing statements, notice of delinquency, and bank remittance logs showing when my payments actually settled. A duplicate of my credit report or a generic XXXX response is not verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between June 1322, 2025, there were multiple unauthorized debit card transactions totaling {$2600.00} on my BMO XXXX debit card ending in XXXX. I did not authorize these transactions. I did not provide my card to anyone. I have a police report, merchant documentation, and identity-theft evidence proving the transactions were fraudulent. 

BMO initially issued a provisional credit but later reversed over {$2100.00} of it without providing the required written explanation, investigation results, or the documents relied on under Regulation E ( 12 CFR 1005.11 ). Their reversal pushed my account negative, caused overdraft fees, late fees, reconnection fees, and eventually they closed my account while the dispute was still active. 

I repeatedly emailed BMOs Reg E Department with all evidence. I have emails showing : My first outreach on XX/XX/XXXX Follow-ups on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX My formal appeal BMO either ignored me or sent generic responses without ever providing the required investigation documents. 

The merchant ( XXXX ) confirmed in writing that : They never received any refunded money from BMO The transactions were reversed by the bank They consider the matter closed with no funds returned to them This means BMO removed the money from my account but did not send it to the merchant or back to me. 

BMOs mishandling violates Regulation E, including : Failure to conduct a reasonable investigation Failure to provide the documents relied on Failure to provide written findings Improper reversal of provisional credit Closing my account during an active dispute This caused severe financial harm, including late fees, overdrafts, returned payments, utility shut-offs, credit damage, and emotional distress. I am requesting CFPB assistance because BMO has refused to correct this situation.

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 2025-11-12 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Experian ( XXXX ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-11-12 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: CA

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I was investing shares in a company called XXXX XXXX based in the USA. 

I did a wire transfer from the XXXX of {$13000.00} to Capital Onebank. I got the last digital wrong on the bank account. I contacted Capital One to ask if it could be returned or if it was a real bank account or a subsidiary of the company I intended. 

They couldn't provide the information. 
The business rang them and they were informed it wasn't a bank account. 

Capital One said they couldn't help me I had to get my source bank to do it. My bank in the XXXX partner contacted them and they didn't respond. 

It has now been over 4 weeks, and I am no further forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CBC Companies, Inc.
State: VA

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Inaccurate reporting for DEPTEDXXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) Identity IQ credit report XX/XX/XXXX This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my Student Loan account ending in XXXX XXXX XXXX XXXX XXXX  on my Experian credit report. 
XXXX  lists this account as 90 days late in XX/XX/XXXX but paid ok several months leading up til XXXX and thereafter. XXXX  and Experian show no reporting XX/XX/XXXX, ok in XXXX and XX/XX/XXXX, then 90 days late in XXXX of XXXX. A 90-day late can not occur without sequential prior delinquencies, rendering this reporting factually impossible. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Under 611 ( a ), this entry must be 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 2025-11-12 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: MA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
In XX/XX/year>, Fair Collections & Outsourcing XXXX XXXX XXXX began reporting a collection account for {$1500.00} related to a former apartment lease ( XXXX XXXXXXXX XXXX ). 

I never received a final billing statement, a copy of the lease, or any explanation of the charges. I gave more than 30 days notice prior to vacating and never received my security deposit. Despite multiple requests, no documentation or itemization of the debt has been provided to me by XXXX or the apartment management. 

I disputed this with the credit bureaus, and it is still reporting as a valid collection without proof. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), as the debt remains unverified and inaccurately reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Comerica
State: WI

Complaint narrative:
On or about XX/XX/year> XXXX XXXX XXXX filed a dispute with XXXX XXXX over a XXXX charge I did not make. I submitted the documents they requested and they are not issuing a provisional credit while this charge is investigated saying it will take XXXX to XXXX days to get my money back. I talked to a XXXX XXXX supervisor and he told me the same thing. I should not have to wait 3 months to get my money back. There policies on disputes and provisional credit while a claim is being investigated needs to be looked into. I am now out XXXX till this is investigated and that is not right. I will accept the following resolution to this complaint 1. Provide me a provisional credit for the XXXX while it is being investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: WI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccuracies on my credit report as reflected by the following items listed under the inquiries and late payment sections for the [ EXPERIAN ] credit bureau XXXX The accounts below are being disputed, and I believe these entries may be incorrect or require further review. 

INQUIRIES EXPERIAN : XXXX XXXX XXXXXX/XX/year> LATE PAYMENTS EXPERIAN : 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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NC

Complaint narrative:
RE : XXXX XXXX XXXX We received 2 urgent letters from PNC Bank , the last one dated XX/XX/year>. The letter states : " IMMEDIATE ATTENTION REQUIRED! Contact us to verify your account information and avoid adverse action. '' The number listed to call is XXXX. 

PNC does NOT answer this phone. My husband called multiple times, was spontaneously dropped, the phone line had bad interference/background noise, and he waited in queue for at least 3 hours. The reference number listed on the letter was XXXX, which the PNC representatives had no idea what that referred to, so they just transferred to another department, then the call was dropped. 

My husband and I went to a local branch, they had no idea what to do because the reference number was meaningless to them, they also tried calling the XXXX number, were also put on hold for an hour, and eventually gave up. We verified the account in person at the local branch in XXXX, which is the only thing they could think of doing. 

We received another letter today ( dated XX/XX/XXXX ), I called the XXXX number, was put on hold for 1.5 hours with a terrible connection again. The representative said she couldn't hear me, could not verify me, said they had no record of the account being verified in person at the local branch, there was too much background interference, hung up. 

Why is this bank allowed to grossly abuse their customers? Why are the allowed to operate when they obviously can not service the customers they have? Why do they have customer service numbers that they never answer? Grossly incompetent.

Company response to consumer: Closed with explanation