vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the continued reporting of a derogatory collection account by XXXX XXXX XXXX on my Equifax credit report, dated XX/XX/XXXX. The account shows as the most recent item, with a date of XX/XX/XXXX, despite being tied to an older, charged-off XXXX account that should no longer be actively reported in this way. 

Equifax is reporting this account in a way that makes it appear as if I recently defaulted or went into collection in late XXXX. This is both misleading and materially damaging to my credit profile. The original account defaulted years earlier, and this re-aged reporting violates both : FCRA 605 ( c ) illegal re-aging of accounts, Metro 2 Guidelines accounts must reflect the original Date of First Delinquency ( DOFD ). 

Additionally, no updated balance or payment activity has occurred on this account. There is no justifiable basis for listing this as my most recent account, especially when I have had other active credit activity since that time. 

This false recency is seriously harming my creditworthiness. I have been denied financing and job-related opportunities due to the perception that I have a recent default or collection. It also lowers my score due to its weight as a recent derogatory entry. 

This reporting does not accurately reflect my actual financial behavior or timeline and creates the false impression that I have unresolved and recent delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting Request for Deletion Re : Account with XXXX  XXXX  ( Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, TX ) Amount : {$170.00} | Creditor : XXXX XXXX I am writing to formally dispute the reporting of an account listed under the name XXXX XXXX on my credit report. This account is being reported by your agency and is associated with a debt allegedly owed to XXXX XXXX in the amount of {$170.00}. 

I am requesting that this item be investigated and removed from my credit file for the following reasons : 1. The debt has already been paid directly to XXXX XXXX. I do not owe any outstanding balance to XXXX XXXX. As such, this account reflects inaccurate and outdated information. 
2. I have never done business with XXXX XXXX. I have no established relationship or contract with this third-party collection agency and did not authorize them to report on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be fully investigated and either verified with proper documentation or removed from my credit report. If XXXX XXXX can not provide legal proof of my obligation to pay this debt including a signed agreement and proof that it is still owed this item must be deleted. 

Please conduct a full reinvestigation and provide written confirmation of the outcome. Equifax refuses to accurately investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: UT

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-27 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: UT

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting Request for Deletion Re : Account with XXXX  XXXX  ( Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, TX ) Amount : {$170.00} | Creditor : XXXX XXXX I am writing to formally dispute the reporting of an account listed under the name XXXX XXXX on my credit report. This account is being reported by your agency and is associated with a debt allegedly owed to XXXX XXXX in the amount of {$170.00}. 

I am requesting that this item be investigated and removed from my credit file for the following reasons : 1. The debt has already been paid directly to XXXX XXXX. I do not owe any outstanding balance to XXXX XXXX. As such, this account reflects inaccurate and outdated information. 
2. I have never done business with XXXX XXXX. I have no established relationship or contract with this third-party collection agency and did not authorize them to report on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be fully investigated and either verified with proper documentation or removed from my credit report. If XXXX XXXX can not provide legal proof of my obligation to pay this debt including a signed agreement and proof that it is still owed this item must be deleted. 

Please conduct a full reinvestigation and provide written confirmation of the outcome. Equifax refuses to accurately investigate.

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 2025-07-27 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: WI

Complaint narrative:
Disputed Items : Bankruptcies ( Filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) Status : Dismissed These are not valid indicators of insolvency and should be removed pursuant to FCRA XXXX. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Charged-off Disputed as inaccurate and/or fraudulent. 
XXXX XXXX  ( Auto Loan, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Charged-off Disputed as unauthorized. 
XXXX XXXX XXXX ( Multiple Accounts Installment, Revolving, Auto Loan ) Duplicate/conflicting entries Data inconsistency violates FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} Not my account Must be removed under FCRA 1681c-1 ( h ). 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} Not my account Appears due to identity compromise. 
XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Not mine Remove unless verified with legally binding documentation. 
XXXX XXXX XXXX XXXX Account # XXXX * * ) * * Balance : {$800.00} Charged-off Disputed due to inaccuracies. 
XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} Charged-off Inaccurate and disputed. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Charged-off Unverifiable debt. 
XXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Charged-off Disputed under FCRA. 
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX Balance : {$3200.00} Collection/Charge-off Disputed and not recognized. 
XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} Collection/Charged-off Not recognized, appears fraudulent.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I submitted a mobile check to be deposited into my account XX/XX/year>. Now, this bank says if you submit before XXXX, said check would be processed/accepted same day & could take up to five ( 5 ) days for funds to be available after acceptance. I submitted my check before XXXX. I get a notification the check has been accepted now, Im just waiting for this bank to put the money in my account, which still hasnt happened. Today is Sunday, XX/XX/year>. On XX/XX/year>, I could have taken my check to a check cashing service and received my funds. WHY IS THERE A TIMEFRAME IN MY OWN BANK? The bank already accepted the check, make it available!! The bank rep, XXXX couldnt or didnt want to provide info regarding complaints and would end the chat conversations abruptly, prompting me to get back into their queue to get a resolution. I had to contact the banks support team three times and no one wanted to provide the info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I visited a PNC Bank branch solely to make a wire transfer for my business account. During this routine transaction, a PNC employee aggressively pressured me to apply for credit. Under duress and confusion, I was coerced into completing paperwork I did not understand. I DID NOT authorize a credit check. I later discovered this was mortgage application # XXXX and PNC had pulled my credit without permission. 
This unauthorized hard inquiry now appears on all three credit bureaus, damaging my credit scores ( XXXX : XXXX, XXXX : XXXX, XXXX : XXXX ). I have 20 total inquiries, and this illegal pull contributes to credit denials and higher interest rates. 
Timeline of PNC 's refusal to correct : XX/XX/XXXX : XXXX XXXX ( Executive Relations ) contacted me XX/XX/XXXX & XX/XX/XXXX : XXXX XXXX dismissed my removal demands XX/XX/XXXX - XX/XX/XXXX : Sent formal demands citing FCRA violations XX/XX/XXXX : Filed comprehensive complaint with XXXX XXXX Present : After 10+ months, PNC refuses to remove the unauthorized inquiry I repeatedly demanded : 1 ) Removal of unauthorized inquiry 2 ) Proof of authorization 3 ) Signed application 4 ) Permissible purpose documentation. PNC provided NOTHING and refuses removal.

This violates FCRA 1681b ( f ) ( no permissible purpose ) and 1681q ( criminal offense ). PNC obtained my credit report illegally and their continued refusal after notice constitutes willful violation subject to criminal prosecution and maximum civil penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

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 168b permissible purposes of consumer reports. 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. 

ACCOUNT 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX2025 I sent a XXXX to the collection company XXXX XXXX XXXX for proof of the alleged debt. I received no response. I sent a second notice, an opportunity to cure on XX/XX/year>2025, I received no response. I sent a third letter, a notice of default and opportunity to cure and contest acceptance. Again I received no response. 

So on XX/XX/year>2025 I filed a dispute with the three credit bureaus and within 3 days I received an email from Experian stating that they have concluded their investigation and within a week I received a letter from transunion stating that their investigation is concluded. On XX/XX/year>2025 I sent a second letter asking them to send me the proof of validation that they received from the collection agency. They sent me an old bilI no real proof of anything. I sent a third letter on XX/XX/year>2025 a final dispute and demand for debt validation pursuant to the FCRA and FDCPA. With no response as of today

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX2025 I sent a XXXX to the collection company XXXX XXXX XXXX for proof of the alleged debt. I received no response. I sent a second notice, an opportunity to cure on XX/XX/year>2025, I received no response. I sent a third letter, a notice of default and opportunity to cure and contest acceptance. Again I received no response. 

So on XX/XX/year>2025 I filed a dispute with the three credit bureaus and within 3 days I received an email from Experian stating that they have concluded their investigation and within a week I received a letter from transunion stating that their investigation is concluded. On XX/XX/year>2025 I sent a second letter asking them to send me the proof of validation that they received from the collection agency. They sent me an old bilI no real proof of anything. I sent a third letter on XX/XX/year>2025 a final dispute and demand for debt validation pursuant to the FCRA and FDCPA. With no response as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-27 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I opened a XXXX XXXX credit account with American Express on XX/XX/year>, which after spending {$3000.00} in 6 months a XXXX bonus of XXXX was supposed to be given to me. I fulfilled both of these obligations but didn't receive my XXXX bonus miles. I've called American Express 5 times and supposedly had this situation reviewed by their " Review Team '', just to be told it was denied, without any reason. American Express never called me back about my complaint. This seems like plain and simple fraud, you're promised something if you open an account but never receive it and not told why! How can large companies like American Express get away with this routinely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX and Transunion data breach.

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 2025-07-27 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: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation