vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
I am filing this formal complaint regarding multiple inaccuracies appearing on my credit report that are severely affecting my creditworthiness and personal information accuracy. Despite my efforts to correct these issues with the credit reporting agencies, the following errors remain unresolved : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This address is being reported under my credit file, but I have no connection, residency, or association with this location whatsoever. This incorrect information poses serious concerns regarding identity accuracy and data integrity. 

XXXX XXXX Inquiry dated XX/XX/year> XXXX  Inquiry dated XX/XX/year> These credit inquiries were not authorized by me. I have no prior relationship or application with either of these entities. Their inclusion on my report without my consent is a clear violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized access to their credit information. 

I am requesting that the CFPB conduct a full investigation into these inaccurate items and ensure that the credit reporting agencies remove or correct them immediately. The unauthorized inquiries and wrong address listing not only misrepresent my credit profile but also raise potential identity theft concerns. 

Please take the necessary steps to ensure that my consumer rights under the FCRA are protected and that all credit reporting agencies maintain accurate and verifiable information on my file. 

Thank you for your time and assistance. I look forward to a prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Santander XXXX spoken several times to them about billing me early and when I call in there using a third party billing make me pay a {$3.00} fee to pay my car note. There telling me to avoid this I would need to give them my account and routing number and I'm not wanting to do this. I informed them this is federally illegal and they insist it's my problem and not theirs. The extra charge isn't going towards the principal or interest of my car note at all. This is XXXX of the many companies that are breaking federal laws and charging consumers using third party payment services by phone. I've been paying on this now going on XXXX yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am reporting multiple accounts that have been placed on my credit report without my knowledge or authorization. I never opened, authorized, or managed these accounts, and their presence on my file is inaccurate and misleading. This unauthorized reporting misrepresents my financial history and has caused me significant concern given how closely I monitor my credit. I demand immediate clarification on how these accounts were added and who is responsible for reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$490.00} XXXX  Acct # : XXXX  Date : XX/XX/XXXX Amount : {$55.00} XXXX Acct XXXX : XXXX Date : XX/XX/XXXX Amount : {$170.00} I dispute the accuracy and completeness of these charged-off accounts. Please verify all information directly with the original creditors. Remove or correct any account that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 explanation
Consumer complaint received 2025-10-31 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 have identified several discrepancies that need to be investigated and corrected. Below is a detailed breakdown of the accounts in question, which I request be thoroughly reviewed. 
Charged Off Accounts : XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX, Date : XX/XX/XXXX, Balance : {$700.00} XXXX  - Account Number XXXX XXXX, Date : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number XXXX XXXX, Date : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$110.00} XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$100.00} Inquiries : XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
Charged Off Accounts : There are no charged-off accounts listed for Experian in this case. 

Inquiries : XXXX XXXX ( Date : XX/XX/year> ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

Late Payments : XXXX  XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please investigate and provide a corrected entry. 

XXXX  XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct this entry. 

DEPT OF ED/XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is incorrect. Please investigate and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is inaccurate. Please verify and provide a corrected entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$1100.00} I dispute this account. Please verify directly with the creditor and remove it if it can not be fully validated. 

Inquiries XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX I dispute the accuracy and authorization of these inquiries. Please verify and remove any inquiries that can not be confirmed as authorized. 

Late Payments XXXX XXXX  Acct # : XXXX I dispute this late payment. Please verify with the creditor and remove if 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: ID

Complaint narrative:
I am filing this complaint regarding PNC Banks gross mishandling of my account and their complete failure to communicate with me as a customer. 

I opened a new account with PNC on XX/XX/year>. Less than XXXX hours later, on XX/XX/XXXX, the account was placed on hold without any explanation. On XX/XX/XXXX, it was placed on hold again. No one at PNC has ever provided a clear or documented reason for these actions. 

Instead, I was instructed to fax copies of my identificationyes, faxeither through another financial institution or from my local police department. This request is absurd, outdated, and entirely inappropriate. It is XXXX, and no legitimate bank should be requiring customers to involve law enforcement or other banks just to confirm their own identity. 

Throughout this process, PNC has been evasive and unresponsive. I have made multiple calls and inquiries seeking clarification and resolution. Every interaction has ended in vague statements, contradictory information, or complete silence. The only time anyone from PNC contacted me back was after I explicitly stated I would file a CFPB complaintwhich I am now doing.

At this point, PNC has held my account hostage for over two weeks, withholding access to my own funds and providing no written or verbal justification for the restrictions. Their conduct appears arbitrary, negligent, and possibly retaliatory. 

I request that the CFPB investigate : 1. The reason and legal basis for PNCs repeated account holds.

2. The justification for requiring ID verification via fax and through unrelated third parties.

3. The banks failure to communicate in a timely or transparent manner with the consumer.

4. Any patterns of similar consumer complaints indicating systemic issues in PNCs compliance or customer service practices. 

I am attaching any supporting documentation and correspondence I have received from PNC Bank to demonstrate the lack of explanation and the unreasonable nature of their verification requests. 

This situation has caused unnecessary stress, wasted time, and denied access to my own legitimate funds. I expect accountability and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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 am filing this complaint because [ XXXX  / XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - TU XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQ - TU : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-10-31 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: AL

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX INQ - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have disputed this collection account several times through XXXX  because Jefferson Capital Systems is re-aging the account. The original date of first delinquency with XXXX XXXX but Jefferson Capital continues to update the account with newer dates to make it appear active and collectible. This violates the Fair Credit Reporting Act 623 ( a ) ( 5 ) and the Fair Debt Collection Practices Act 807. I have requested verification and correction, but they continue to report the wrong information. I am asking for CFPB assistance in having the account corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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