vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I recently had an XXXX Macys credit card that I had lost and closed. I paid the full amount and closed the card. I was also on the phone with an agent when I closed the card and they stated that the full amount was paid. 

I work in a remote location commercial fishing in Alaska in the summers. I then come back from fishing to find that there was still an active balance on my account without knowing for months. Therefore, I had a late payment on my credit score.

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 2025-08-06 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An account that I did not authorize or open has been reported under my credit profile. I have no knowledge of this account and never gave permission for it to be associated with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NE

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 

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

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 2025-08-06 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: NE

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am submitting a partial good faith evidence packet regarding serious mortgage servicing misconduct by PNC Bank. 

In XX/XX/year>, I submitted a good-faith mortgage payment that exceeded the amount due. Instead of applying the payment, PNC returned it without formal explanation. When I contacted PNC, I was given conflicting justificationsincluding a false claim that I was under a hardship program I never requested, signed, or consented to. 

This false classification led to : Improper fees and misapplied payments, A false record of delinquency, Unauthorized vendor entry into my home under the pretense of abandonment, Emotional trauma, cultural loss, and damage to property.

I have submitted three Qualified Written Requests ( QWRs ) XXXX, XXXX, and most recently QWR3 on XX/XX/XXXX, XXXX documentation, clarification, and resolution. As of today, PNC has failed to provide the vendor photograph they claim to possess or respond fully to my QWRs. 

My home was never abandoned. I maintained the property, gave notice of my return, and have visual and narrative evidence of continued occupancy. The vendors tampered with personal spaces, staged belongings for removal, and left parts of my home in emotional and physical disarray. 

I am seeking : Correction of my mortgage account, A full investigation into vendor misconduct, Damages for emotional distress and property interference, A regulatory referral to the OCC if PNC does not comply.

I am prepared to submit additional documentation as PNC responds. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I can not stress enough how frustrating and distressing this situation has become. To wake up XXXX day to a debt I do not recognizecompletely unverified and not mineis both shocking and deeply unsettling. The repeated calls, messages, and aggressive tactics have become a form of harassment. I never imagined Id be threatened with legal action over something I have no knowledge of. 

As a law-abiding citizen, this is not only offensive but a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). This ongoing situation has taken a toll on my mental health, and Ive experienced significant anxiety and sleepless nights as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
On XX/XX/XXXX XXXX I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/ that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Reference Services, Inc.
State: MS

Complaint narrative:
In XXXX, XXXX, Reference Services provided an inaccurate criminal background screening to a potential employer. the background check report has personal information on it. I will not be attaching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citizens Bank regarding their mishandling of a deposited check, in violation of Regulation CC and general fair banking practices. 

On XX/XX/year>, I deposited a check for {$7000.00} at my account with Citizens Bank. I was initially informed that {$220.00} would be available the next day XX/XX/year>, in which I did receive that amount, I was also informed by the XXXX NY, branch XXXX that the remaining funds would be available within XXXX business days on XX/XX/year>. However, without any notice or valid explanation, the bank placed an XXXX hold on the entire amount. The person from whom I received the check stated they find left their account on XX/XX/year>. I have asked the branch XXXX, and the back office ( the number located on the back of my debit card ) to release some of the funds so I can get through the week financially. 
This unexpected delay has caused serious financial hardship, including inability to pick up my vehicle at a garage, causing me to miss work for the week and weekend, missed bill payments, which will result in my electricity being disconnected, and the inability to access funds for necessities. 

To date, I have : Received no written or verbal notice explaining the reason for the extended hold. To my knowledge this was supposed to be within the first business day after the deposit. 
The bank has clearly stated a formal written notice will not be post dated prior to our conversations on XX/XX/year>. 
Been denied escalation or assistance from branch-level employees. 
Attempted to contact back-office deposit operations, but have not been provided access or support.

As I understand it, under Regulation CC, financial institutions are required to : Provide prompt notice of any hold extending beyond standard availability timelines.

Justify any extended hold with specific reasons ( such as suspected fraud or new account status ). To which they have not given any reasons, except stating the situation is out of their control and that it is within the hands of the federal reserve.

Release funds as per the maximum permitted timeframes unless exceptional circumstances exist.

Citizens Bank has failed to follow these requirements and has not communicated with transparency or fairness.

I respectfully request the CFPB to : 1. Investigate this matter and ensure Citizens Bank is held accountable.

2. Require the immediate release of held funds unless the bank can demonstrate a legitimate reason under Regulation CC.

3. Take enforcement action if Citizens Bank is found to be regularly engaging in deceptive or unfair deposit hold practices. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX  continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: IL

Complaint narrative:
I was checking my credit report on XXXX  XXXX and it showed that there was a credit card opened in XXXX  that I did not do. 

XXXX was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXXXX/XX/XXXX, Balance : {$570.00} INQUIRIES : XXXXXXXX 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : [ Your Email Address ] Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Information Under FCRA Request for Investigation and Deletion To Whom It May Concern, I am writing to dispute inaccurate and unverifiable information on my Equifax credit report, accessed via XXXX XXXX on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that the following accounts be investigated and removed if they can not be fully verified : XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-off Balance : {$0.00} Closed : XX/XX/XXXX Dispute : A charge-off is reported despite the balance being {$0.00}, which is misleading and potentially inaccurate. 

XXXX. XXXX XXXX XXXX Balance : {$810.00} Opened : XX/XX/XXXX Dispute : This collection account does not list an original creditor, which violates FCRA standards for data completeness. 

XXXX XXXX XXXX XXXX Balance : {$300.00} Opened : XX/XX/XXXX Dispute : This collection lacks identification of the original creditor. Without proper documentation, it should be removed. 

XXXX XXXX XXXX XXXX Balances : {$830.00} and {$4600.00} ( two entries ) Opened : XX/XX/XXXX Dispute : Two nearly identical entries exist from the same agency without sufficient identifying information or validation. These appear duplicative or unverifiable. 

XXXX. XXXX XXXX XXXX XXXX : {$3800.00} Opened : XX/XX/XXXX Dispute : No original creditor is identified. This violates the FCRAs requirement for accurate and complete data reporting. 

Pursuant to 15 U.S.C. 1681i, I request that Equifax conduct a proper investigation into each account. If verification, including the name of the original creditor and valid documentation, can not be provided within 30 days, the accounts must be deleted. 

Please send a written response confirming the outcome of your investigation and a corrected copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
The investigation did not fix any errors on my credit 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 2025-08-06 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: MI

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Milestone Credit Cards information was stolen/used Ak to make unauthorized purchses. Person with stolen infomation also has/had someone else 's bank information linked to the card for payment. Payments for {$680.00} & {$390.00} were made to account and returned. 

Spoke with representive on XXXX to up date/provide correct user information. 

On XXXX at or about XXXXXXXX XXXX changes were made to account. Changes made were the removal of my correct address, my password, and phone number therefore a new card would be sent to said address in AK. 

On XXXX I again called Milestone about the unauthorized changes to only be notified that my account had been closed on XXXX at or about XXXX after several returned payments using the fradulent bank information.

Company response to consumer: Closed with explanation