vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX, XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
There are 2 problems with PNC Bank. 
On XX/XX/XXXX I made the full payment on my outstanding PNC XXXX XXXX. 
Which was due on the XXXX of XXXX in the amount of {$3300.00} On the XXXX they processed an unauthorized payment in the same amount duplicating my original payment in said amount, leaving me with a {$800.00} in my checking account. 
To negate the overdraft I borrowed money from my husband. When I called XXXX the XXXX XXXX Bank, XXXX XXXX, XXXX  XXXX they said I hit reoccurring pay bill, which I do not use, nor have used since being a customer for 16 years. Why would I pay a {$3000.00} plus to an account I already paid. I was finally informed by the XXXX PNC Assistant Manager ... I would be reimbursed on or before XX/XX/XXXX. I do not believe I was at fault, but to receive unauthorized funds from XX/XX/XXXX to XX/XX/XXXX is just plain wrong. I needed that money for my family 's needs. 
i finally received my money approximately 1 week later. 
Problem # 2 ) Again another problem. I wanted to put {$4100.00} into my checking account. 
to pay my new XXXX bill. On XX/XX/XXXX I wrote two checks, one which I asked the teller to shred, which she did. The second check was written to PNC to put in my checking account. 
I wrote XXXX payment noted on the memo. That was for me, so I would remember the number and date. I told the teller I don't want to pay my visa, just the check into my checking, Not sure how much I want to pay, I will make that decision at home. 
Unbeknownst to me she paid my XXXX card. And when I got home I paid my XXXX  with the amount I wanted. In the morning when I checked my account both in my checking account, but my visa. I was shocked. No one listens. Now XXXX says they will reimburse me the {$4100.00}. I have goose eggs in my account. {$00.00}. I called the banks customer service in their main office in XXXX One of the managers she would check everything out. She I will call you later. Never did. And still waiting for this to be straightened out. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CT

Complaint narrative:
the Family Educational Rights and Privacy Act ( FERPA protects the confidentiality of student records.

This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX account number : # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : # XXXX, XXXX  XXXX account number : # XXXX XXXX XXXX account number : # XXXX Has violated my rights. 



15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Sent from XXXX XXXX  for 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 2025-09-15 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: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXXXXXX XXXX XXXX to look at vehicle prices. During the process, the finance representative told me the form I was signing was not a credit application and that my credit would not be run. Despite this, multiple hard inquiries appeared on my credit reports from : XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These inquiries were submitted on the same day without my informed consent. I did not knowingly authorize them. I believe this constitutes misrepresentation by the dealership and an unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX, Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-09-14 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Against Citibank and XXXX XXXX XXXX for Failure to Investigate Fraudulent Transaction Dear CFPB, I am filing this complaint against Citibank , N.A . and XXXX XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Several years ago, I reported a fraudulent transaction on my Citibank account. I was not disputing the account itself but a specific transaction. Despite my call at that time requesting an investigation, Citibank failed to conduct a proper review. Instead, they closed my fraud claim on the sole basis that my name and address matched their records as it should its my bank account the transaction wasnt. 

On XX/XX/year>, I contacted Citibank again at XXXX ( the number listed on their fraud decision letter ). I spoke with three representatives between XXXX XXXX. and XXXX XXXX, all of whom confirmed that I am not even in their system under my Social Security number. This demonstrates that Citibank can not verify this transaction and that its continued reporting of this matter to XXXX XXXX XXXX is inaccurate and unsubstantiated. 

As a result, XXXX  is publishing false and unverifiable information about me to financial institutions. This has directly prevented me from opening new bank accounts, causing financial hardship and reputational harm. 

The following violations apply : 15 U.S.C. 1681i Failure to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 Furnisher ( Citibank ) reporting unverifiable and false information.

15 U.S.C. 1681c-2 My right to block fraudulent/identity theft related information. 

I am requesting that the CFPB compel Citibank and XXXX XXXX XXXX to : 1. Conduct a full investigation into this fraudulent transaction.

2. Permanently delete or block this false record from my XXXX  file.

3. Provide written confirmation that this reporting has been corrected.

I am attaching a copy of Citibanks denial letter dated XX/XX/year>, which shows their failure to properly investigate. 

Thank you for your assistance in ensuring compliance with federal consumer protection laws. 

Sincerely, 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 2025-09-15 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Several accounts appearing on my credit reports are inaccurate, incomplete, or unverifiable. 

In XXXX, a XXXX XXXX XXXX collection was reported in the amount of approximately {$1500.00}. I have never received proper validation of this alleged debt, and the reporting is inconsistent across bureaus. 

A XXXX XXXXXXXX XXXX XXXX was reported as charged off in XX/XX/XXXX with a balance of about {$3000.00}. The reporting shows conflicting statuses, and I never received complete account documentation or billing error resolution as required under federal law. 

XXXX XXXX is reporting a student loan account opened in XX/XX/XXXX with a balance of around {$29000.00}, showing past-due amounts of {$1500.00}. The account has not been properly updated since payments stopped in XX/XX/XXXX, and I dispute the accuracy of the delinquency reporting. 

A XXXX XXXXXXXX XXXX XXXX account opened in XX/XX/XXXX was charged off in XXXX for about {$1100.00}. The balance is shown incorrectly as exceeding the original credit limit, which is not possible. 

Multiple entries from the XXXX Department of Education are being reported as collections or charge-offs, with varying balances ( ranging between {$600.00} and {$1200.00} ). These duplicate and inconsistent records appear to be reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer right to privacy and confidentialaity under 15 U.S.C. 1681. 

Account # XXXX Account # XXXX Under 15 U.S.C. 1681c. ( a ) ( 5 ), obsolete or inaccurate information may not be reported.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information must not provide information that they know, or should know, is inaccurate.

15 U.S.C. 1681 602 ( a ) establishes the purpose of the FCRA : to ensure fair and accurate credit reporting, protect consumer privacy, and maintain the integrity of the credit system. Meaning I have a right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) restricts when and how a consumer report can be used, requiring a permissible purpose. And no consumer reporting agency can furnish an account without my written instructions. 


By allowing these inaccurate accounts to remain, the credit reporting agencies and furnishers are in violation of the above provisions. These false accounts are harming my credit profile, and I am requesting immediate investigation, deletion of the accounts, and confirmation of compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer right to privacy and confidentialaity under 15 U.S.C. 1681. 

Account # XXXX Account # XXXX Under 15 U.S.C. 1681c. ( a ) ( 5 ), obsolete or inaccurate information may not be reported.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information must not provide information that they know, or should know, is inaccurate.

15 U.S.C. 1681 602 ( a ) establishes the purpose of the FCRA : to ensure fair and accurate credit reporting, protect consumer privacy, and maintain the integrity of the credit system. Meaning I have a right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) restricts when and how a consumer report can be used, requiring a permissible purpose. And no consumer reporting agency can furnish an account without my written instructions. 


By allowing these inaccurate accounts to remain, the credit reporting agencies and furnishers are in violation of the above provisions. These false accounts are harming my credit profile, and I am requesting immediate investigation, deletion of the accounts, and confirmation of compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
So, my PayPal account was permanently limited/restricted and I have not been given a clear explanation or reason as to why. This is something that initially happened around 2-3 years ago, not sure what time or what day but I've contacted them on multiple occasions now. I've been told there is absolutely no way to resolve this in any way whatsoever. The notice I got states " At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I don't even freakin ' know what part of the user agreement I broke. They have essentially refused to give me the reason why I was permanently restricted and it's unbelievably frustrating and stupid that they simply can't just tell me or at the very least give me a choice or option to be able to send money through PayPal again. The major lack of transparency or reasoning from PayPal has made it pretty much impossible for me to figure out what the issue is and try to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sent a debt collection notice to pay {$270.00}. Claiming that i had a PAYPAL MONTHLY LOAN account from XXXX. I know that i never opened a loan account with them and I do not owe any money to this company. Before I received this letter i closed my regular paypal account because i was receiving suspicious activity in my email and other people were reporting that there is a scam going around because paypal has been hacked by criminals trying to collect money from people. 
I want this to be investigated and fixed soon. I made sure i owed nothing in fact i had some money left in my paypal account that i was able to transfer back to my personal bank. Nonetheless i never opened a loan account with paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: DE

Complaint narrative:
I submitted a sworn FTC Identity Theft Report No. XXXX ( XX/XX/year>2025 ) with ID and identified fraudulent items. Under FCRA 605B, TransUnion was required to block within 4 business daysno later than XX/XX/year>2025. TransUnion refused, citing vague history of payments/prior disputes without documented good-faith evidence required by 605B ( b ) ( 3 ).

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
In XXXX, I rented a unit at XXXX XXXX XXXX in XXXX, FL. For more than a month, the air conditioning system did not work, and the bathroom was left in an unsafe and unusable condition after a failed repair left a large hole in the wall. Despite submitting multiple work orders and emails to management, the problems were never resolved. 

Because of these unresolved issues, I was unable to sublease my room as required by my lease, and I notified management in writing that I would terminate the lease under XXXX  XXXX XXXX, which allows tenants to vacate if habitability issues are not corrected within 7 days. I then filed a complaint with XXXX XXXX XXXX ( XXXX XXXX ), which confirmed the unit was in violation of code requirements. 

I never received any notice, XXXX, or invoice from the landlord regarding alleged charges after I vacated. The first time I became aware of a claim was when ProCollect sent me a letter in XX/XX/XXXX demanding {$1600.00}. I disputed this debt in writing and provided documentation showing the unit was uninhabitable and that I had properly terminated the lease under Florida law. 

Instead of providing validation, ProCollect recently sent me another letter claiming I now owe {$5300.00}, with no explanation or itemized charges, and asked me to set up a payment plan. I still have not received any documentation or proof of how this debt was calculated. 

This debt is not legally owed because the landlord failed to maintain the unit, I properly terminated the lease under Florida law, and ProCollect has not provided any validation as required under the Fair Debt Collection Practices Act. 

My daughter, XXXX XXXX, who is currently on XXXX XXXX with the XXXX XXXX, cosigned the lease for my unit at XXXX XXXX XXXX  Because of the disputed charge, her credit has also been affected, which is especially concerning given her active military status. I am requesting that this charge be removed to prevent any further impact on her credit and financial record.

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