vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-05 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: VA

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As of XX/XX/year>, despite my repeated complaints to PNC Bank regarding their system, overdraft fees are still being taken out of my account, sometimes XXXX or XXXX times in a single day. When my account balance was positive, the PNC would charge me overdraft fees.

Early in 2025, I informed them of it and threatened to file a theft report against the Bank. After reviewing my account for several hours, PNC Bank gave me a credit of

more than {$600.00}. Additionally, I was informed that the bank could only collect one overdraft fee per day rather than several. However, the issue persisted as my account was repeatedly debited for overdrafts. I spoke with multiple representatives over the phone, and each one attempted to provide me with a different response. Some even claiming that the system permits multiple overdrafts, which is normal given my purchases. Yesterday, I reached my breaking point when I received an overdraft for a positive account, and they applied a charge to my account that was denied because of my negative balance in order for me to incur several overdraft fees. When I spoke with a supervisor, she pleaded with me to have the review team investigate
before reporting them. But it's unfair. PNC Bank steals people, hard-working money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-05 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am submitting to formally dispute several inaccuracies that appear on my credit report. Upon reviewing my report, I noticed outdated, obsolete, and incorrectly reported accounts, as well as an address that is no longer associated with me. These errors are negatively impacting my credit profile and do not accurately reflect my financial history. The following information requires immediate review and correction. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under FCRA 604 ( a ) ( 3 ), only entities with a permissible purpose may access or report my credit information. I am requesting confirmation that all parties reporting or having accessed these accounts had lawful authorization to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I was sent a letter from True Accord debt collectors dated XX/XX/year>. They indicate that I owe {$20.00} to XXXX under an account I don't recognize and didn't create. They contend that I have owed this debt since XX/XX/year>. This is the first notice I have received about such a debt. I have no record of any service or purchase from this company and had never heard of them until I received this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-05 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: FL

Complaint narrative:
I am submitting once again to formally dispute and request correction of inaccurate late payment entries that continue to appear on my Equifax, TransUnion and Experian credit report. This is now my third attempt to have these matters resolved, and it is deeply concerning that, despite my previous submissions and supporting evidence, the same errors continue to persist without proper verification or correction. The continued reporting of inaccurate data not only violates the principles of fair and accurate reporting but also undermines my ability to maintain an accurate financial record. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
They ran my credit report twice into one day XX/XX/year> ALLY FINANCE please remove this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
THIS HARD INQUIRY IS UNVERIFIED AND IMPROPERLY REPORTED.

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 2025-11-05 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:
According to my records, the balance you are reporting {$180000.00} is inaccurate due to settlement. Under the Fair Credit Reporting Act ( FCRA 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ), I am requesting verification and correction of this amount to {$45000.00}.

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 2025-11-05 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:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NV

Complaint narrative:
On XX/XX/year>, I asked that they verify these accounts on my report because they were in accurate. I also asked that they give me complete info on how they verified and with whom they verified with. I only received simple letter back stating accounts were correct and verified. Also I noticed many inaccuracies. I identified multiple violations of XXXX XXXX reporting guidelines. Report should be complete and accurate. Account status and payment rating fields are inconsistent with required coding for charge off accounts. I explained all on formal letter dispute and deletion of charge off accounts.

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 2025-11-05 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: MD

Complaint narrative:
I am once again requesting a final reinvestigation into both accounts listed below : XXXX. XXXX XXXX XXXX XXXX Balance : {$56000.00} Reported Late : XXXX Days ( XXXX XXXX ) / XXXX  Days ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Balance : {$900.00} Date Last Active : XX/XX/XXXX Late 60 days XXXX XXXX days late XX/XX/XXXX and XX/XX/XXXX If Equifax, TransUnion and Experian or the furnishers can not provide original, verifiable documentation that validates these reported delinquencies, these late entries must be corrected or updated immediately. Failure to comply with the legal reinvestigation process may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate consumer protection agencies. 
Thank you for your immediate attention to this matter and your compliance with federal reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of XXXX, and I may have to consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX, XXXXXXXX XXXX Employer - XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: OK

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, PNC charged my account another overdraft fee for an unexpected XXXX subscription that I never agreed to. I explained this to them, and told them the return was on the way from XXXX. In the mean time I added funds on XX/XX/XXXX to cover the overdraft, and was denied a overdraft return, as I've " had too many this year ''. The overdraft fee itself posted to my account BEFORE XX/XX/XXXX, labeled as a XX/XX/XXXX expense, the entirety of XX/XX/XXXX, while I added funds to cover. PLEASE SEE PICTURES. Showing the overdraft fee applied to my account? BEFORE I WENT NEGATIVE, over again. I explained to them that, overall, PNC had fined my account more than the law allows over the years, and a few returns over the last few months didn't make up for that fact. While waiting for the XXXX charge to reverse, it still has not posted, showing a pending status, ANOTHER overdraft fee ( {$36.00} ) hit, simply from my XXXX one! My account was first listed at exactly- {$35.00} after adding more funds to cover ( notice the XXXX over the overdraft fee amount ), now I'm negative - {$71.00} after a XXXX  overdraft fee, and the unexpected charge that caused all this is still in pending status, waiting to be refunded. It seems this is deliberate. So I've been overdrafted XXXX now, for mistakenly being overdrafted initially, for a charge I never approved, but still covered ( from another bank real-time transfer ) the same day, regardless. As a 100 % Permanent and Totally XXXX combat veteran, I am a protected class. This is illegal. What had been done to me over the past XXXX years with overdraft fees should be illegal, if not already. Though I'm paid only XXXX  per month, it's guaranteed money every month. It's beyond difficult budgeting for a family of XXXX on a single, XXXX veterans, income, but I've managed to for over a XXXX  now, despite these predatory fees. The fees that I'm concerned about at the moment are overdraft fees caused by nefarious overdraft fees, that should be forgiven if covered. The math is there. Negative - {$35.00} after an overdraft fee shows I made good faith efforts to cover this discrepancy, and now it's exactly {$36.00} deeper? I'm being taken advantage of. Please help me. I'm begging at this point. My family is struggling XXXX, and my wife lost her job after XXXX. We can prove all we are saying by documentation. XXXX XXXX  has been hard on us with overdrafts, too, and given the evidence I can't help but seem taken advantage of for being XXXX, and not able to track ( as closely ) as others would.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Follow-up complaint - Capital Ones systemic unfair and deceptive handling of consumer rewards ( CFPB Cases Complaint ID # XXXX Complaint ID # XXXX Complaint ID # XXXX ) Dear CFPB Team, I am submitting this follow-up complaint regarding Capital Ones repeated pattern of unfair and deceptive conduct in withholding and delaying the release of my earned cashback rewards and account balances. 

This issue required three separate CFPB complaints before Capital One fully released my funds- despite multiple direct requests that went unanswered. Each step of this process exposed a deeper pattern of obstruction, lack of transparency, and intentional delay. 

Summary of events : 1. After my accounts were closed, Capital One refused to release my cashback rewards, claiming forfeiture.

2. Following my first CFPB complaint, they maintained that position.

3. After the second complaint, they issued one check but wrongly deposited the remaining rewards into a closed account ( ending in XXXX ), rendering the funds unusable. 

4. Only after the third CFPB complaint did they finally issue a check for the remaining {$440.00} ( representing {$380.00} cashback plus {$53.00} account balance ). 

This pattern demonstrates bad-faith behavior and potential UDAAP violations. Capital Ones conduct appears designed to discourage customers from recovering what is rightfully theirs - a practice that could easily go unnoticed without regulatory intervention. 


Therefore, I respectfully request that the CFPB : 1. Investigate Capital Ones systemic handling of cashback rewards and similar consumer accounts to ensure this pattern does not continue.

2. Impose appropriate enforcement actions or penalties to deter Capital One and compel internal policy reform.

3. Evaluate consumer compensation for the undue stress and repeated effort required to resolve this matter. 

Attached : The most recent check showing final payment after the third CFPB case. 

Screenshot showing the {$440.00} balance that was inaccessible prior to that payment. 

CFPB case references : Complaint ID # XXXX Complaint ID # XXXX Complaint ID # XXXX Thank you for your continued oversight and commitment to protecting consumers from systemic unfair practices. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX  for inaccurate and unverifiable payment data being furnished to the credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ) ( 1 ). 

I sent XXXX  a written request on XX/XX/XXXX, requesting a Method of Verification for payment data reported on my mortgage account ( Account Number : XXXX ). 

My concerns include : Inaccurate late payments reported for XX/XX/XXXX XX/XX/XXXX, showing as 30 / 30 / 30 / 60 days late. 

Missing or No Data/ N/A months reported from XX/XX/XXXX XX/XX/XXXX, which should reflect on-time payments. 

I attached proof from XXXX, showing these same months ( XX/XX/XXXX XXXX XXXX ) being reported as Paid as Agreed / On Time. 

XXXX has not provided any verification or documentation supporting the accuracy of the reported late payments or missing data, nor have they corrected the inaccurate information. 

Under FCRA 607 ( b ), furnishers must ensure the maximum possible accuracy of information they report. Under FCRA 611 ( a ) ( 1 ), they must investigate and correct inaccuracies within 30 days.

I am requesting that the CFPB investigate XXXX failure to : Properly verify or substantiate the disputed payment data. 

Correct or delete unverifiable or inaccurate entries. 

Provide a transparent and written Method of Verification response.

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