vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
Subject : Update to CFPB Complaint # XXXX Experian Information Solutions , Inc . 
Request for Immediate Deletion/Block Under FCRA 605B and 611 ( a ) Summary : This update provides additional clarification and supporting documentation regarding Experians continued reporting of inaccurate personal identifiers, multiple outdated addresses, and unverifiable account data following the XX/XX/XXXX XXXX data breach. 

Experians reinvestigation results dated XX/XX/XXXX listed several accounts as verified accurate without providing any documentary proof of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This demonstrates a failure to maintain maximum possible accuracy under 1681e ( b ) and an unreasonable reinvestigation process under 611 ( a ) ( 1 ) ( A ). 

Items to Be Blocked Under XXXX XXXX XXXX XXXX  ( XXXX ), XXXX. Account # XXXX Status : Charge-off {$2100.00} Unverifiable and re-aged; reporting past-due balance as of XX/XX/XXXX despite charge-off date beyond statute of limitation. 

XXXX XXXX XXXX  ( XXXX ), XXXX. Account # XXXX Status : Charge-off {$1000.00} Unverifiable reporting inconsistencies ; failure to produce method of verification. 

XXXX XXXX XXXX  ( XXXX ), XXXX. Account # XXXX Status : Late Payment Reported verified without documentation under 611 ( a ) ( 6 ) ( B ) ( iii ) ; incomplete validation. 

XXXX XXXX XXXX XXXX Account # XXXX Status : Late Payment Verified without documentary evidence ; unverifiable and must be blocked under 605B.

Outdated or incorrect addresses, which no longer belong to or are associated with me, including a listings unrelated to my verified current address : XXXX XXXXXXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( only correct current address ) Incorrect Personal Addresses : Experian continues to report inaccurate identifying information, including : These errors constitute failure to ensure accurate personal identifying data under 607 ( b ) and must be corrected or deleted immediately.

Requested Action Require Experian to block or delete all listed items within 4 business days of this update.

Provide written confirmation of all deletions or blocks.

Disclose the method of verification for any items Experian intends to retain.

Investigate Experians pattern of non-compliance under 605B, 611, and 1681e ( b ).

Attachments Provided Experian Reinvestigation Results ( XX/XX/XXXX ) Updated Experian Report ( XX/XX/XXXX ) CFPB Case Confirmation # XXXX Copy of Government ID and Proof of Address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Last four of SSN : XXXX DOB : 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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: MD

Complaint narrative:
I purchased a vehicle through Carvana and was pressured to finalize financing quickly. Carvana repeatedly emphasized that I needed to obtain the bank check and complete the loan paperwork immediately. Based on the assurances that the vehicle would be delivered on XX/XX/XXXX, I signed the loan agreement with my bank and my loan has now begun accumulating interest. 

I also activated auto insurance starting XX/XX/XXXX because that was the confirmed delivery date provided by Carvana. 

After everything was finalized and completed on my end, Carvana changed the delivery date to XX/XX/XXXX, saying there were vehicle issues. On XX/XX/XXXX, Carvana changed the delivery date again to XX/XX/XXXX. I am concerned Carvana may change the date again or cancel the delivery entirely. 

This situation has caused financial harm and stress, including : Interest accumulating on my auto loan for a vehicle I do not have.

Insurance payments already being charged for a vehicle that has not been delivered.

Being stuck holding a bank check issued specifically to Carvana.

Carvana customer service refusing to provide compensation, resolution, or transparency.

Feeling misled about availability of the vehicle.

I believe Carvana engaged in false advertising and deceptive business practices by : 1. Representing that the vehicle was available and ready for delivery.

2. Pressuring me to finalize payment and financing.

3. Delaying the delivery multiple times after the loan and insurance were activated.

I request that the CFPB review Carvanas practices and require that Carvana : Deliver the vehicle promptly or Provide compensation for the interest and insurance costs caused by their delays and assist in resolving the loan check issue if the vehicle is not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I have repeatedly requested the original documentation that I would have signed for said debt. I have been told its my responsibility to prove its not me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i withdrew money from a pnc atm and my money got jammed in the machine and i lost XXXX and if pnc does not return my money im XXXX pnc for there issue with there atm at certain location

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
This account was charged off on the following date XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charge off account should NOT include active payment history. 
This is in accurate information falsely manipulate statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account Name : XXXXXXXX XXXX XXXX  Account Number 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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
XXXXI hold a Citibank debit card that I opened in XXXX  at the Citibank branch located at the XXXX XXXX XXXX while I was studying in the United States. There is currently a balance of XXXX XXXX in the account. Since I have completed my studies and returned to live in China, I attempted in March this year to transfer the funds from my Citibank debit card to my Bank of China savings account via international wire transfer. However, Citibank has been deducting a monthly service fee of XXXX XXXX from my account.\nThe issue I am facing is that Citibank requires me to verify my identity through a verification code sent to the U.S. phone number I used when I opened the account. Unfortunately, that phone number has long been deactivated, as I left the United States several years ago. I have tried to resolve this issue by contacting Citibank both through the Citi mobile app chat and by phone, but I was informed that identity verification can only be completed using the original U.S. phone number. As I am now permanently residing in China, it is impossible for me to obtain a U.S. phone number. I believe it is highly unreasonable that Citibank requires customers to retain a U.S. phone number in order to access their own funds. This policy has prevented me from withdrawing the money from my account. Therefore, I sincerely request that Citibank update my phone number for international wire transfer verification purposes to my current Chinese numberXXXX XXXX XXXX  This will enable me to receive verification codes and complete the international transfer process.\nThank you very much for your understanding 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am disputing inaccurate deposit-account reporting that is appearing on my consumer report used for bank accounts XXXX XXXXEarly Warning Services ) . 

In XXXX XXXX XXXX XXXX XXXXXXXX checking account in my name experienced unauthorized activity that I did not initiate. The bank later closed the account. This negative information is now appearing in my banking/consumer report and is preventing me from opening new accounts. 

I filed an FTC Identity Theft Report on XX/XX/XXXX and I have already submitted my identity documents and dispute directly to Early Warning Services. Under the FCRA identity theft provisions, this information should be blocked and removed. 

I am requesting that the consumer reporting agency remove/block the XXXX XXXX XXXX entry related to this identity-theft incident and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am submittting to formally dispute certain late payment on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C 1681i ). After reviewing my report carefully, I identified multiple entries that do not accurately reflect my credit history and financial responsibility. 
The accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to report accurate information and promptly correct errors. Additionally, FCRA 623 ( b ) requires furnishers to conduct a reasonable investigation when a consumer disputes information. The inaccuracies above suggest a failure to comply with these obligations. Moreover, FCRA 602 emphasizes that Congress intended credit reporting to promote fairness, accuracy, and the protection of consumer information. The misreporting of these accounts violates these principles and has caused undue stress and potential financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am submittting to formally dispute certain late payment on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C 1681i ). After reviewing my report carefully, I identified multiple entries that do not accurately reflect my credit history and financial responsibility. 
The accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to report accurate information and promptly correct errors. Additionally, FCRA 623 ( b ) requires furnishers to conduct a reasonable investigation when a consumer disputes information. The inaccuracies above suggest a failure to comply with these obligations. Moreover, FCRA 602 emphasizes that Congress intended credit reporting to promote fairness, accuracy, and the protection of consumer information. The misreporting of these accounts violates these principles and has caused undue stress and potential financial harm.

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 2025-11-10 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: MA

Complaint narrative:
I am following up regarding my previous disputes concerning multiple inaccurate, unverifiable, and unauthorized items on my credit report. Despite prior correspondence, the following items remain and continue to negatively impact my credit standing. I am formally requesting permanent removal, not correction, of these entries in accordance with federal law. 
The following addresses are inaccurate and must be permanently removed : XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, MA XXXX. Reporting outdated or incorrect addresses violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which require all information reported to be accurate, complete, and verified. 
The following charged-off accounts remain inaccurately reported : XXXX XXXX XXXX * * * * Balance Owed : {$460.00} * *, XXXX XXXX XXXX XXXX Balance Owed : {$22000.00}, XXXX XXXX XXXXXXXX XXXX Balance Owed : {$7100.00}, and XXXX XXXX XXXX * Balance Owed : {$17000.00} * *. The XXXX XXXX XXXXXXXX and XXXX accounts have no documentation of Form XXXX for debts exceeding {$600.00}, making the reported balances unverifiable. Continued reporting of these accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2, and they must be permanently deleted from my credit file. 
Additionally, the following inquiries appear without proper authorization or permissible purpose : 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>. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 619 15 U.S.C. 1681q, a consumer report may only be accessed for a lawful purpose. Unauthorized inquiries violate federal law and must be permanently removed, not merely 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 2025-11-10 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: WV

Complaint narrative:
I sent a dispute to experian as XXXX  has XXXX negative accounts on my report that have been settled and paid through XXXX. However after a dispute they did not change the account to settled nor did they delete it. If it stays on my report as settled the XX/XX/year> payment should be shown as current

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accounting to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC.1681, section 602 states I have a right to privacy. 15 USC. 1681 section 604 a, section 2 also states a consumer agency can not furnish an account without my written instructions. Under 15 USC. 1666 b, a creditor can not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
Name and addresses should be updated and reflecting proper information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
Name and addresses should be updated and reflecting proper 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 2025-11-10 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year>, a total of {$2100.00} was withdrawn from my Wells Fargo account and transferred to a XXXX account without my authorization. These transactions are completely inconsistent with my prior banking activity the amounts and frequency are clearly out of the norm based on my account history. 

Upon discovering the charges, I immediately contacted both Wells Fargo and XXXX to dispute the transactions and request a refund. Despite following all steps they advised and providing documentation, neither company has taken responsibility or returned my funds. 

Wells Fargo has not been able to provide a clear explanation as to how these unauthorized transfers occurred, nor have they credited my account for the losses while investigating. XXXX has stated that the funds can not be reversed on their end, despite my repeated insistence that I did not authorize or initiate these deposits. 

At this point, I am seeking assistance from the CFPB to investigate these unauthorized transactions and hold both Wells Fargo and XXXX accountable for their lack of resolution and failure to protect my account from 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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler felt and Warshaw, a law firm bought 3 of my collection debts, added them together and then sued me without giving me a court date and said it was through the sheriffs department at XXXX XXXX XXXX XXXX XXXX NJ. Which seems like a scam anyway. 
They also charged me about {$600.00} in sheriffs fees. They have been garnishing my wages since XX/XX/year>. It is almost paid off and they have not even updated the amount. I dont think its fair to charge me sheriffs fees when they took the time to file against me without fair hearing. I have paid the amount in collections but now seem to be paying the sheriffs fees. My checks have been garnished long enough and I paid my dues. The collections agency who it was originally through has been non stop calling me still, XXXX XXXX Do I take legal action against this sheriffs department?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This letter serves as my fourth formal and good-faith request for a thorough reinvestigation and correction of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. I am not requesting deletion if the accounts can be verified, but I do request that all late payment information, balances, and reporting history be accurately reflected. Upon completion of the reinvestigation, I request a written explanation of the findings and a copy of my updated credit report showing all verified corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. You are required to conduct a reasonable reinvestigation of these accounts, including contacting the account furnishers to verify the accuracy of the reported late payments. If verification can not be obtained, or if the information is found to be inaccurate, it must be corrected or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This letter serves as my fourth formal and good-faith request for a thorough reinvestigation and correction of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. I am not requesting deletion if the accounts can be verified, but I do request that all late payment information, balances, and reporting history be accurately reflected. Upon completion of the reinvestigation, I request a written explanation of the findings and a copy of my updated credit report showing all verified corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. You are required to conduct a reasonable reinvestigation of these accounts, including contacting the account furnishers to verify the accuracy of the reported late payments. If verification can not be obtained, or if the information is found to be inaccurate, it must be corrected or updated.

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