vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
I reviewed my credit reports from the XXXX major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. XXXX or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

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 2025-06-20 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: TX

Complaint narrative:
I am filing this complaint against Equifax because I am currently in the process of disputing inaccurate information on my credit report, and the handling of this dispute has been inadequate. 

I initiated a formal dispute with XXXX XXXX on XX/XX/XXXX ( confirmation number XXXX ) and it never got resolved so I then filed a dispute with Equifax on XX/XX/XXXX ( confirmation number XXXX ) providing complete documentation to support the correction. This includes my mortgage statement letter from XXXX which shows I am up to date and consolidated with all my payment and student loans. Ive recently filed another dispute on XX/XX/XXXX ( confirmation number XXXX ) and havent heard back yet. 

While the dispute remains open, Equifax has not provided any meaningful updates, communication, or indication that the matter is being properly investigated. Additionally, both XXXX XXXX XXXX  have already updated their reports to reflect the correct information. 

I am concerned that Equifax is not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ), which requires a credit reporting agency to conduct a reasonable investigation and correct or delete inaccurate information within 30 days. 

This ongoing inaccuracy is negatively impacting my credit score and causing undue stress. I am requesting that the CFPB help ensure Equifax resolves this dispute promptly and updates my credit report to reflect accurate, verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I have a XXXX credit card with The XXXX XXXX XXXX, that is reported as a charge off account which is reporting inaccurately. I was XXXX  days late in XXXX of XXXX  when I called to pay off the debt, the account was not charged-off at the time. This charge-off that is reported on my credit is not accurate and is hurting my credit. I do not recall having this debt charge-off, my account should report as current of XX/XX/year> when I paid off the debt, the charge-off remark is inaccurate and extra damaging. Please investigate and place this account in dispute. Please send all validation documents to verify this debt and the account status. If you are unable to do so please remove this account.

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 2025-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Identity Theft Notification XX/XX/year> I XXXX XXXX, writing to report that I have been a victim of identity theft. There are credit accounts and hard inquiries appearing on my credit report that do not belong to me and were opened or authorized without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts and inquiries be investigated and removed. I am also requesting a fraud alert be placed on my credit file in accordance with federal law. Please consider this statement as part of my official dispute and take immediate action to protect and correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
How is this account being reported as verified and/or accurate when it is currently in an open court case? Please see attached. 

Account numbers # XXXX and/or 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 2025-06-20 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: FL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$45.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$160.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-06-20 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: PNC Bank N.A.
State: PA

Complaint narrative:
I recently was a victim of fraud charges to my account for the second time. And PNC has not told me why the denied my fraud charges when i never made the charges. And they denied to give me a provisional credit when i asked for it, so that i could have money to pay my bills. I have asked them for information on the first charge in writing so i could understand it and they told me that they could no give me that information. And this time i was charged over {$500.00} dollars in sperate charges that i didn't make. This is happening at alarming rate and PNC isn't doing anything to help its customers and tracking down the people who are doing this. They have told me multiple times that there is nothing that they can do. I invest my hard earned money in PNC and trust them to safeguard my money. But when someone is taking my money from me and they can't tell me why. I am very unhappy with their practices and want to see some kind of action taken place. Or at the very least an investigation on what they are really doing to help people who have been taken advantage of. And not by telling them there's nothing they can do. I feel i have been wronged and i am very unpleased with their efforts to return my missing funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNT FROM MY CONSUMER REPORT NOLATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. ACCOUNTS : XXXX XXXX {$11000.00} XX/XX/year> XXXX XXXX {$7600.00} XX/XX/year>

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 2025-06-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-20 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because the credit reporting agency has failed to accurately update or correct my personal information, despite multiple formal attempts to resolve the issue. I have already submitted documentation verifying my identity, address, and date of birth, yet the agency continues to report outdated, inaccurate, or incomplete personal data. This failure to maintain accurate personal identification information violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer information.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they are required to reinvestigate disputed information within 30 days of notice and block or correct unverified or erroneous data. They have failed to comply. I am requesting immediate correction of all personal information discrepancies, including any incorrect names, outdated addresses, or other identity errors, and a confirmation once complete. Continued noncompliance may result in further legal action.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint because the credit reporting agency has failed to accurately update or correct my personal information, despite multiple formal attempts to resolve the issue. I have already submitted documentation verifying my identity, address, and date of birth, yet the agency continues to report outdated, inaccurate, or incomplete personal data. This failure to maintain accurate personal identification information violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer information.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they are required to reinvestigate disputed information within 30 days of notice and block or correct unverified or erroneous data. They have failed to comply. I am requesting immediate correction of all personal information discrepancies, including any incorrect names, outdated addresses, or other identity errors, and a confirmation once complete. Continued noncompliance may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal and blocking of the following unauthorized inquiries listed on my credit report. These inquiries that are listed on my FTC REPORT do not belong to me, and I believe they are the result of identity theft or fraudulent activity.

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 2025-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
A collection company called XXXX XXXX transfered a so called debt over to this other company called XXXX saying that I owe a debt from 2022 tied to my mortgage. I don't owe this debt they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
for years now i have battled all three bureaus for illegally reporting information i requested investigations on because i knew they were fraudulent and one in particular was inconsistent and incorrectly reported which was commenity and turned to XXXX credit reporting i requested investigation include my consent and since i have had a fraud alert active for years all of the inquiries without my id or signature were done fraudulently and commenity also. the investigations are false because they state the data is correct but as a victim of fraud i guarantee there is no consent signed by me and no id on file and in the fraud alert there is a phone number they must contact me on to get credit authorization and yet this also was overlooked. my credit score does not go up it pnly goes lower although i have not had anything other than three or 4 vehicles paid off and a few positive accounts after the troubles of bankruptcy i feel i am a target of keeping my credit score down and i need immediate action to remove all inquiries soft and hard and request a investigation to all of the inquiries and to keep in mind there was a fraud alert that was disregarded and i need proof of my identity a physical copy and my physical signature myidentity was compromised and i received so many denials i did not apply wi my social security and my address i have a vehicle i dd not apply for anything and i need my score corrected

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
for years now i have battled all three bureaus for illegally reporting information i requested investigations on because i knew they were fraudulent and one in particular was inconsistent and incorrectly reported which was commenity and turned to XXXX credit reporting i requested investigation include my consent and since i have had a fraud alert active for years all of the inquiries without my id or signature were done fraudulently and commenity also. the investigations are false because they state the data is correct but as a victim of fraud i guarantee there is no consent signed by me and no id on file and in the fraud alert there is a phone number they must contact me on to get credit authorization and yet this also was overlooked. my credit score does not go up it pnly goes lower although i have not had anything other than three or 4 vehicles paid off and a few positive accounts after the troubles of bankruptcy i feel i am a target of keeping my credit score down and i need immediate action to remove all inquiries soft and hard and request a investigation to all of the inquiries and to keep in mind there was a fraud alert that was disregarded and i need proof of my identity a physical copy and my physical signature myidentity was compromised and i received so many denials i did not apply wi my social security and my address i have a vehicle i dd not apply for anything and i need my score corrected

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