vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-07 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:
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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-07 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/25 I was the victim of a XXXX social engineering scam. I was scammed by someone impersonating a family member. I was manipulated into sending funds under false pretenses. I realized the deception shortly after and immediately reported the fraud to PNC Banks XXXX Department on XX/XX/25. 
I was told the transaction would be flagged and further steps would be taken to prevent the loss of funds. However, the next day, I discovered that no action was taken, and the money was fully transferred. PNC failed to act on their own stated fraud protocol. 
Despite timely reporting and clear evidence of deception, PNC has not refunded my funds or explained why their fraud team failed to follow through. This is extremely disappointing and concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

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 : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : 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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am writing to file a formal complaint against Webster Bank regarding the improper closure of my bank account and the unlawful withholding of my funds. Despite multiple attempts to resolve this matter directly with the bank, I have been unable to obtain a clear explanation or a path to retrieving my money. 

Summary of Events : Account Opening : On or around XX/XX/XXXX, I opened a checking account with [ Bank Name ] for the express purpose of receiving payments for my freelance computer software engineering work. 

First Payment : On XX/XX/XXXX, an ACH transaction from my client was successfully deposited into my account in the amount of {$5000.00}. After this deposit, I discovered my ATM card was not working because of a missing tax form ( W2 ). I promptly submitted the required W2 form and assumed the issue was resolved. 

Second Payment & Account Lock : On XX/XX/XXXX, a second ACH transaction from my client was deposited into my account in the amount of {$2500.00}. Shortly after, I attempted to use my ATM card to check my balance, but the card was still not working. 

Bank XXXXs Actions & Lack of Information : On XX/XX/XXXX, I went to the XXXX XXXX  branch of Webster Bank to inquire about my card. A teller informed me that my account was locked and my online access was revoked. The teller stated the reason was that the name on the ACH transactions did not match the name on my account. 

I subsequently called the bank 's customer service on XX/XX/XXXX. The representatives stated that the account had been " marked as high risk '' and " fraudulent. '' They also informed me that the account had been permanently closed and that my funds would not be released to me. 

The customer service representatives provided no specific details about the alleged mismatch or fraudulent activity and after calling back they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-07 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-07 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 XXXXXX/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 2025-08-07 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 2025-08-07 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: MO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Elder Financial Abuse & Mishandling of Credit Card Payment by Dillards Request for Credit Repair and Reissuance of Card To Whom It May Concern : I am submitting this complaint on behalf of my XXXX mother, [ Insert Full Name ], who has been seriously harmed by Dillards failure to properly manage her credit card account. The handling of this situation reflects both negligence and potential elder financial abuse. 

Several weeks ago, my mother went in person to a Dillards store to make a payment on her active Dillards credit card. Unfortunately, the store associate processed the payment incorrectly, applying it to an old, closed account. This was entirely due to employee error. 

Upon realizing the mistake, my mother went back to the store to explain what happened and also called Dillards customer service. Despite her proactive efforts, no one corrected the issue, and no accountability was taken. Even worse, instead of helping her, Dillards closed her current, active credit card account without her consent.

This caused undue financial and emotional distress to my elderly mother, who acted in good faith at every step. She is now unfairly burdened by negative marks that may have been reported to the credit bureaus as a result of this internal mistake. 

We are formally requesting the following actions be taken immediately : 1. Full investigation into Dillards mishandling of the payment and subsequent account closure.

2. Removal of all negative or derogatory credit reporting resulting from this error across XXXX XXXX and XXXX. 
3. Issuance of a new Dillards credit card in good standing in her name.

4. A written apology and acknowledgment of the error and the harm caused.

This situation is especially egregious given my mothers age. She trusted Dillards employees and customer service to handle her payment responsibly and respectfully. The failure to do so and the lack of corrective action reflects a disregard for her rights and well-being as an elderly consumer.

We hope the CFPB will take this matter seriously and ensure that Dillards corrects this injustice.

Thank you for your attention and assistance.

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 2025-08-07 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Inaccurate Credit Reporting XXXX XXXX XXXX via Experian Issue Type : Incorrect information on credit report Sub-Issue : Account status or payment history incorrect Details of the Complaint : I am filing this complaint against Experian and the data furnisher XXXX XXXX XXXX for reporting inaccurate, incomplete, and non-compliant information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Guidelines, and 15 USC 1666b. 

Account in question : Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Current Status ( as of XX/XX/XXXX 2025 ) : Open. {$290.00} past due Balance : {$3600.00} Original Balance : {$3500.00} The following are the issues with this tradeline : XXXX XXXX Compliance Violation : The account is reported as Open while simultaneously being Past Due, which is a contradictory and misleading status under XXXX XXXX. 

No recent payments are listed, yet the balance has increased from the original {$3500.00} to {$3600.00}, violating XXXX XXXX standards that prohibit balance inflation without activity. 

FCRA Violation 15 U.S.C. 1681s-2 ( a ) : The account contains multiple inaccuracies that can not be verified as accurate, complete, and up-to-date. This makes it a violation of the FCRAs requirement for maximum possible accuracy.

Billing Practices Violation 15 U.S.C. 1666b : XXXX XXXX reported delinquencies ( 90 to 180 days late ) without proof of having first sent a proper billing statement with at least 21 days to pay. This violates Truth in Lending rules regarding timing of payments.

No Proof of Verification : Experian has failed to provide any documentation showing a proper reinvestigation under 15 U.S.C. 1681i, and the account remains unchanged despite my formal dispute and request for deletion. 

Court Precedent Ignored : In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that CRAs must conduct more than a superficial inquiry. Experians lack of resolution and failure to delete a clearly unverifiable tradeline contradicts this legal precedent. 

Resolution Requested : I am requesting the immediate deletion of this XXXX XXXX XXXX account from my Experian credit file, as it can not be verified as accurate, complete, and compliant with federal law. 

Additionally, I request that all further communications and findings related to this complaint be mailed to my correct address, which has been provided to both the credit bureau and this agency. Until proper verification and supporting documents are provided, the account must be removed to prevent ongoing damage. 

Thank You, 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MO

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation