vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
XXXX had shown to me ( in email ) that they have sent information to all 3 Credit bureaus confirming that I have never been 30 days late. Credit bureaus refuse to correct their reporting of this misinformation and refuse to correct their mistakes. 
I am sick of this fight trying to prove I have never been 30 days late. I have sent documentation showing I have never been late. The credit bureaus inform me that XXXX is reporting me that I was late. 
XXXX informs me they are NOT reporting that I was late. XXXX also provided proof of them reporting that I was NEVER late. 
During COVID lockdown I could not fly back to XXXX for my job so I was not receiving a paycheck. I had spent all my savings during the lockdown to survive. I did not get any government assistance. I went to XXXX BEFORE I was late to get a forbearance and was granted this assistance, I was informed that I would not be reported as ever being late because I got ahead of the situation and received my forbearance BEFORE I was late. Why am I being reported as late during the COVID crisis when I received a forbearance?

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found several items on my credit report that are inaccurate, fraudulent, or do not belong to me. These accounts and negative marks were reported without my authorization, and I have never opened or agreed to any of the accounts being listed. Some entries show incorrect balances, wrong dates, or payment histories that do not reflect my actual activity. 

When I discovered these issues during a recent review of my credit report, I attempted to resolve the matter by checking for any communication or verification from the companies involved, but none was provided. Because these items are incorrect and damaging to my credit, I am requesting that they be fully investigated and removed as required under the Fair Credit Reporting Act.

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
i am writing to dispute the following collection account that appears on my credit report, i believe this information is inaccurate and request an immediate investigation under the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Someone stole my identity and used this bank account to receive and withdraw money. They them overdraft the account and now the bank is after me to pay. This is not my doing.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/year>, I received a deposit of {$560.00} into my PNC checking account. Within a short period, PNC withdrew the full {$560.00}. Later, PNC showed the same {$560.00} back as an available balance, which made it appear as if the funds had been returned to my account. 
Because PNC showed the funds as availableeven though the deposit had already been takenI reasonably believed additional funds had been posted or another deposit was pending. As a result, I completed XXXX transactions totaling {$1100.00} ( XXXX for {$560.00} and XXXX for {$560.00} ), which PNC allowed to go through even though the original {$560.00} deposit had been removed. 
On XX/XX/year>, PNC displayed XXXX separate withdrawals of {$560.00} and {$560.00} from my account. These postings were confusing, misleading, and did not reflect my actual balance. The system made it look as if funds were available when they were not, causing my account to become severely overdrawn. 

I contacted PNC and emailed a formal written complaint requesting : an explanation of why the funds were shown as available after being withdrawn, a correction to the duplicate/incorrect withdrawal displayed on XX/XX/XXXX, and a reversal of all overdraft fees caused by their system error. 

PNC has not provided any explanation or resolution. 

Because the bank misrepresented my available balance and allowed transactions based on incorrect information, I was charged overdraft fees and suffered financial harm. 

I am requesting a full investigation and reimbursement of all fees and losses caused by PNCs inaccurate and misleading account postings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I wanted proof of the debt of how much they paid progressive for it. By law i owe progressive not them. they bought this debt for less than what it is worth about ( 60 to 80 % ) but they are trying to charge me the full price. and being a third party company thats is aganist the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports that misrepresent my financial history and violate the Fair Credit Reporting Act ( FCRA ). On my Experian report, my account with XXXX XXXXXXXX ( XXXX ) is incorrectly listed as a charge-off with a balance of {$260.00}, with a date of first delinquency ( DOFD ) that does not match my records, and a reported status and balance that are inaccurate or outdated ; despite my providing supporting documentation, these discrepancies remain, harming my creditworthiness and misleading potential creditors, which violates FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, on my Equifax report, my XXXX accounts ( 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 ) are inaccurately reported as 120 days late in XXXX, XXXX, and XX/XX/year> with balances of {$6800.00}, {$3800.00}, {$4800.00}, and {$3600.00}, and my XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as 30 days late in XX/XX/year>, despite my records showing all payments were made on time and documentation supporting this, in violation of FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ) as well as 15 U.S. Code 1666 and 1666a.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See attached There are 2 address thats on my report that dont belong to me XXXXXXXX XXXX XXXXXXXX XXXX XXXX Nc XXXXXXXX XXXX XXXX XXXXXXXX XXXX Nc 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 2025-11-20 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: PA

Complaint narrative:
As I recently reviewed my Experian and TransUnion credit report, I noticed several items that do not accurately reflect my financial history. Each inaccuracy has caused me stress, confusion, and concern, and I am sharing the full story of what I discovered, why these errors matter, and why they must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of my credit information across the three major credit bureaus : Experian, Equifax, and TransUnion. Upon review of my credit reports, several serious inaccuracies have been identified, including incorrect late-closed status for accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are falsely reported as late-closed on Experian and TransUnion. Similarly, these errors also appear on my Equifax report for mortgage and retail accounts. These misstatements violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reports to reflect the maximum possible accuracy. Additionally, accounts that should reflect a XXXX balance, specifically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( x2 ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reported as charge-offs across all three bureaus, violating FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which mandates reasonable reinvestigation of disputed information. Furthermore, accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$5100.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2900.00} ) are reported as charge-offs without proper XXXX treatment, contrary to FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which requires creditors to provide accurate information. Lastly, TransUnion lists an unauthorized inquiry for XXXXXXXX XXXX  XXXXXXXX XXXX which I did not authorize, constituting a violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ). These inaccuracies have severely damaged my credit profile and misrepresented my financial responsibility. They also violate FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits the reporting of outdated or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of my credit information across the three major credit bureaus : Experian, Equifax, and TransUnion. Upon review of my credit reports, several serious inaccuracies have been identified, including incorrect late-closed status for accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are falsely reported as late-closed on Experian and TransUnion. Similarly, these errors also appear on my Equifax report for mortgage and retail accounts. These misstatements violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reports to reflect the maximum possible accuracy. Additionally, accounts that should reflect a XXXX balance, specifically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( x2 ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reported as charge-offs across all three bureaus, violating FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which mandates reasonable reinvestigation of disputed information. Furthermore, accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$5100.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX  ( {$2900.00} ) are reported as charge-offs without proper XXXX treatment, contrary to FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which requires creditors to provide accurate information. Lastly, TransUnion lists an unauthorized inquiry for XXXXXXXX XXXX  XXXXXXXX XXXX which I did not authorize, constituting a violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ). These inaccuracies have severely damaged my credit profile and misrepresented my financial responsibility. They also violate FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits the reporting of outdated or unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AR

Complaint narrative:
I am filing a complaint regarding my credit report and auto account history, specifically concerning the repossession of my vehicle by BESTCHCEAUTO ( Account # XXXX ) with a reported balance owed of {$7000.00}, originally opened on XX/XX/XXXX, as well as numerous inaccurate addresses and unauthorized or incorrect inquiries listed on my credit report. The addresses reported for my accounts are incorrect, including XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX UNION CT XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; and XXXX XXXX XXXX, XXXX XXXX, AR XXXX, which are not my current or prior residences. Additionally, multiple credit inquiries appear that I did not authorize or that are inaccurately reported, including 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 all of which are either inaccurate or reported at incorrect addresses.

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 2025-11-20 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: AR

Complaint narrative:
I am filing a complaint regarding my credit report and auto account history, specifically concerning the repossession of my vehicle by BESTCHCEAUTO ( Account # XXXX ) with a reported balance owed of {$7000.00}, originally opened on XX/XX/XXXX, as well as numerous inaccurate addresses and unauthorized or incorrect inquiries listed on my credit report. The addresses reported for my accounts are incorrect, including XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; XXXX UNION CT XXXX XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ; and XXXX XXXX XXXX, XXXX XXXX, AR XXXX, which are not my current or prior residences. Additionally, multiple credit inquiries appear that I did not authorize or that are inaccurately reported, including 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 all of which are either inaccurate or reported at incorrect addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
Identity theft I have FTC report also Transunion has had a data breach and I need all this information block and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
The account listed is inaccurate and should not be reported under my name

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 2025-11-20 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: NY

Complaint narrative:
The account listed is inaccurate and should not be reported under my name

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 2025-11-20 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: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of my credit accounts across Experian, Equifax, and TransUnion. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported on Experian with a Balance Owed of {$16000.00} and marked as Late Open, showing 30 days late in XX/XX/XXXX ( XX/XX/XXXX ), 90 days late in XXXX XXXX ( XXXX ), and 60 days late in XXXX XXXX ( XXXX ), even though this account was current at the time of reporting, making these late designations inaccurate. On Equifax, the same account shows a Balance Owed of {$17000.00}, with identical late periods ( 30 days late in XXXX XXXX, 90 days late in XXXX XXXX, and 60 days late in XXXX XXXX ). On TransUnion, this account is reported with a Balance Owed of {$16000.00}, with the same Late Open delinquencies across the same months. These repeated errors demonstrate a pattern of inaccurate reporting that violates my rights under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as each bureau has a legal obligation to maintain maximum possible accuracy. The continued presence of these incorrect Late Open notations constitutes a material inaccuracy affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of my credit accounts across Experian, Equifax, and TransUnion. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported on Experian with a Balance Owed of {$16000.00} and marked as Late Open, showing 30 days late in XX/XX/XXXX ( XX/XX/XXXX ), 90 days late in XXXX XXXX ( XXXX ), and 60 days late in XXXX XXXX ( XXXX ), even though this account was current at the time of reporting, making these late designations inaccurate. On Equifax, the same account shows a Balance Owed of {$17000.00}, with identical late periods ( 30 days late in XXXX XXXX, 90 days late in XXXX XXXX, and 60 days late in XXXX XXXX ). On TransUnion, this account is reported with a Balance Owed of {$16000.00}, with the same Late Open delinquencies across the same months. These repeated errors demonstrate a pattern of inaccurate reporting that violates my rights under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as each bureau has a legal obligation to maintain maximum possible accuracy. The continued presence of these incorrect Late Open notations constitutes a material inaccuracy affecting my creditworthiness.

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