vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
On XX/XX/year>, I disputed late payments and accuracy of XXXX XXXX XXXX under 15 USC 1681b. TransUnion has failed to follow up and remove the late payments and/or show proof. Today is now XX/XX/year> and the dispute is still in review. This will be published as it goes against all consumer rights and privacy.

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 2025-07-04 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:
Complainant : XXXX XXXX Subject : Repeated Non-Compliance with the FCRA and Failure to Provide Verification for Disputed Credit Items I, XXXX XXXX XXXX am filing this formal complaint against the consumer reporting agency for its continued failure to remove, correct, or substantiate inaccurate and potentially unverifiable items on my credit report. Despite multiple disputes and direct communicationsmost recently on XX/XX/XXXX, and dating back as early as XX/XX/XXXX, XXXXthe agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

This complaint stems from the agencys ongoing violations of the following provisions : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

Disputed Accounts ( Still Unresolved ) : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Agencys Failure to Provide : The specific procedures used to verify these accounts ; The name, address, and phone number of each furnisher of information ; The documentation relied upon during the investigation process. 

These omissions directly violate my rights under the FCRA and have denied me the fair and accurate reporting I am entitled to as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-04 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-04 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: NJ

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 Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-04 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: MA

Complaint narrative:
This complaint constitutes the XXXX one filed against EXPERIAN. [ This entity continue to blatantly violate the Fair Credit Reporting Act ( FCRA ). Specifically 15 U.S.C 1681c ( a ) ( 5 ) - No consumer reporting agency may make any consumer report containing the following : " ( 5 ) Any other adverse item of information, other than record of convictions of crimes, which antedates the report by more than XXXX years ''. In addition to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information and 15 U.S.C 1681i ( a ) - Obligation to reinvestigate and provide a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer. Furthermore, these particular obligations were discharged by the True " Creditor '' [ reference 12 U.S.C 1431 ]. The IRS recognizes such discharges of obligation as " Income '' and cancelled no longer legally enforceable or valid for reporting as a liability. Your continued reporting of these obligations post-discharged amounts to the intentional publication of inaccurate information - a willful act of false representation. See Attachments..

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 2025-07-04 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: PNC Bank N.A.
State: TX

Complaint narrative:
Someone stole my personal information and put me as an authorized user for an account I know nothing about. 
I did not give consent to any of this. 
PNC BANK, N.A.

Account Info Account Name PNC BANK, N.A. 
Balance so Account Number XXXX Balance Updated XX/XX/XXXX Account Type Credit Card Recent Payment Responsibility Authorized user Monthly Payment {$0.00} Date Opened XX/XX/XXXX Credit Limit {$15000.00} Status Open/Never late. 
Highest Balance {$14000.00} Status Updated XX/XX/XXXX Terms Payment History My last four are XXXX XXXX : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complainant : XXXX XXXX Subject : Repeated Non-Compliance with the FCRA and Failure to Provide Verification for Disputed Credit Items I, XXXX XXXX XXXX am filing this formal complaint against the consumer reporting agency for its continued failure to remove, correct, or substantiate inaccurate and potentially unverifiable items on my credit report. Despite multiple disputes and direct communicationsmost recently on XX/XX/XXXX, and dating back as early as XX/XX/XXXX, XXXXthe agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

This complaint stems from the agencys ongoing violations of the following provisions : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

Disputed Accounts ( Still Unresolved ) : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Agencys Failure to Provide : The specific procedures used to verify these accounts ; The name, address, and phone number of each furnisher of information ; The documentation relied upon during the investigation process. 

These omissions directly violate my rights under the FCRA and have denied me the fair and accurate reporting I am entitled to 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 2025-07-04 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:
Complainant : XXXX XXXX Subject : Repeated Non-Compliance with the FCRA and Failure to Provide Verification for Disputed Credit Items I, XXXX XXXX XXXX am filing this formal complaint against the consumer reporting agency for its continued failure to remove, correct, or substantiate inaccurate and potentially unverifiable items on my credit report. Despite multiple disputes and direct communicationsmost recently on XX/XX/XXXX, and dating back as early as XX/XX/XXXX, XXXXthe agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

This complaint stems from the agencys ongoing violations of the following provisions : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

Disputed Accounts ( Still Unresolved ) : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Agencys Failure to Provide : The specific procedures used to verify these accounts ; The name, address, and phone number of each furnisher of information ; The documentation relied upon during the investigation process. 

These omissions directly violate my rights under the FCRA and have denied me the fair and accurate reporting I am entitled to 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 2025-07-04 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: GA

Complaint narrative:
I voluntarily returned a car in XXXX after my family, and I was severely affected by XXXX XXXX wise and financially. I asked the finance company for leniency several times of during my family and I hardship 's and but refused. The vehicle was charged off in XXXX  but as stipulated by law, I was never presented with a copy of the 1099c " Cancellation of Debt, '' so that I could provide to the IRS. 

To this day, the finance company has not provided me with a copy ; in fact, I was recently told by the company that I will not be issued a 1099c until I pay a specific dollar amount and the debt on being inaccurately reported by third party agencies on my credit file resulting in loss of income, credit and job denials.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I voluntarily returned a car in XXXX after my family, and I was severely affected by XXXX XXXX wise and financially. I asked the finance company for leniency several times of during my family and I hardship 's and but refused. The vehicle was charged off in XXXX  but as stipulated by law, I was never presented with a copy of the 1099c " Cancellation of Debt, '' so that I could provide to the IRS. 

To this day, the finance company has not provided me with a copy ; in fact, I was recently told by the company that I will not be issued a 1099c until I pay a specific dollar amount and the debt on being inaccurately reported by third party agencies on my credit file resulting in loss of income, credit and job denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX470.00}

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Issue : Collection account reported without full debt validation or ownership documentation. 

Complaint : Midland Credit Management is reporting a collection account originally from XXXXXXXX XXXX XXXX but has failed to provide proof of debt ownership, account breakdown, or a signed agreement. My certified dispute letter went unanswered, and this reporting continues without validation. 

Violations : FCRA 15 U.S.C. 1681s-2 ( b ) furnisher failed to respond to dispute FDCPA 15 U.S.C. 1692g ( b ) failure to validate debt FCRA 15 U.S.C. 1681e ( b ) inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Was offered a bonus of {$400.00} in future reservation costs by using XXXX. After fulfilling the spend requirement, the bonus did not appear in my XXXX account. Called many times and was always told the bonus was processing and would appear on next statement. Finally requested an investigation which again resulted in denial of bonus, siting a descrepency in my total spend. Inquired again and was denied again saying I bought gift cards and those purchases did not count toward total spend. Looking at the rules shows the gift card details involved actual reservations and had nothing to do with credit card spend. Inquired again but was denied again and that case was no longer going to be considered.

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 2025-07-04 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:
XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief