vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal dispute of the collection account reported by I C SYSTEM INC ( Account # XXXX ) appearing on my credit report. 

According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to request full validation of the alleged debt. Please provide the following : A copy of the original signed agreement bearing my signature A full itemized breakdown of the amount claimed Documentation proving I C SYSTEM INCs legal authority to collect, including the assignment or chain of title from the original creditor Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a formal reinvestigation into the accuracy and verifiability of this tradeline. If the account can not be substantiated with original, documented proof, I respectfully request its immediate removal from all credit reporting agencies. 

Please complete this investigation within the 30-day timeframe mandated by federal law. Failure to respond with proper documentation will be taken as confirmation that the debt is unverified and must be deleted. 

Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My father passed away in XX/XX/year> and because the house is under a trust we did not receive any information about delinquent payments on mortgages until last month when a third part investor called my phone and let me know that it is set to be on auction. I only received the trust book from lawyer recently and have tried calling PNC multiple times and have sent documents that they requested, all the while they refuse to give ANY information about what is going on. I have told them we are able to make payments to offset any overdue balance but their only answer is that they can not disclose any information. It has been days since I sent over documents on multiple occasions and they can not even verify whether documents are received. Today, I find out through a third party investor again that they have set a date for auction in less then 2 weeks! There is no effort by the bank to listen to grieving family despite calling/visiting the bank multiple times. 
While I was at the bank trying to figure all these out, they were nice enough to offer me sales on their products! This really puts into perspective what this bank is all about. Instead of helping distressed families, they would shut their concerns out and pitch their sales. I do not see how the bank has made any effort to resolve this before it got to this point. If they cared, they would process the paperwork as soon as we sent paperwork on XX/XX/XXXX. It has been two weeks and nothing has moved forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Against Experian, TransUnion, and Equifax for Failure to Correct Inaccurate and Unverifiable Credit Report Information To Whom It May Concern : I am filing this complaint against Experian, TransUnion, and Equifax for failing to properly investigate and correct numerous inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On reviewing my reports obtained from XXXX, I identified several errors, including inaccurate personal information, unauthorized inquiries, and unverifiable derogatory accounts. I formally disputed these items by mail and included supporting documentation, yet all three credit bureaus have failed to correct or delete the disputed data, nor have they provided any valid documentation or method of verification as required by federal law. 

Despite my good faith efforts, I have received either no response or generic letters with no meaningful investigation or supporting proof. 

Specific Issues : Inaccurate Personal Information : Incorrect current address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Inaccurate or Unverifiable Accounts : Collection : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-offs XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments ( Closed/Paid ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these items were sufficiently verified, yet they continue to be reporteddespite my formal disputes. 

Legal Violations : The bureaus inaction violates the following sections of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681g Failure to provide full file disclosure upon request

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 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Against Experian, TransUnion, and Equifax for Failure to Correct Inaccurate and Unverifiable Credit Report Information To Whom It May Concern : I am filing this complaint against Experian, TransUnion, and Equifax for failing to properly investigate and correct numerous inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On reviewing my reports obtained from XXXX, I identified several errors, including inaccurate personal information, unauthorized inquiries, and unverifiable derogatory accounts. I formally disputed these items by mail and included supporting documentation, yet all three credit bureaus have failed to correct or delete the disputed data, nor have they provided any valid documentation or method of verification as required by federal law. 

Despite my good faith efforts, I have received either no response or generic letters with no meaningful investigation or supporting proof. 

Specific Issues : Inaccurate Personal Information : Incorrect current address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Inaccurate or Unverifiable Accounts : Collection : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-offs XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments ( Closed/Paid ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these items were sufficiently verified, yet they continue to be reporteddespite my formal disputes. 

Legal Violations : The bureaus inaction violates the following sections of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681g Failure to provide full file disclosure upon request

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 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On Monday XX/XX/XXXX I was charged XXXX $ for a stay at XXXX XXXX in XXXX XXXX, GA. 

I did not stay at this hotel, they told me after placing my reservation that they did not accept mobile banking cards. 

On that Monday, the hotel chain accidentally still charged my Chime card for the reserved room rate. I talked to the XXXX, he said to expect a refund within XXXX XXXX XXXX XXXX and the refund didn't come, so I submitted the claim to my bank for an unauthorized transaction. Weeks later, Chime then rejected this claim and refused to credit the XXXX $ charge. They once again did not verify the charge before denying the claim. 

I then contacted XXXX corporate, who upon seeing the mistaken charge immediately refunded the account on XX/XX/year>. This proves that the initial charge was an error, and that Chime again did not fulfill their legal obligations as a banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
DEAR C.R.A 'S LEGAL TEAM ; XXXX XXXX XXXX ( formerly XXXX ) reported an auto repossession ( Acct # XXXX ) with a current balance of {$35000.00} to the credit bureaus after unlawfully seizing my vehicle directly from my driveway at approximately XXXXXXXX XXXX a breach of peace in violation of UCC 9-609 ( b ) and applicable state law. This act disturbed my peace, alarmed neighbors, and was executed without proper notice or legal authority. 

I was never given : Notice of default Right to cure ( UCC 9-611 ) Notice of sale ( UCC 9-613 ) Post-sale deficiency calculation ( UCC 9-616 ) Any contractual proof of lawful acceleration or default The reported deficiency balance is materially inaccurate and inconsistent with IRS Form 1099-C provided by XXXX XXXX indicating this debt was discharged. The credit report reflects an ongoing balance which contradicts the cancellation of debt acknowledged to the IRS. This discrepancy constitutes willful misreporting under FCRA 623 ( a ) ( 1 ) ( A ). 

Additionally, XXXX failed to provide a full accounting, signed agreement, or accurate payoff records. This account is also being reported in non-compliance with Metro 2 standards the Date of First Delinquency ( DOFD ), charge-off coding, and status history are missing or incorrect.

This conduct violates : Fair Credit Reporting Act ( FCRA ) 623 & 611 FDCPA 807 ( 2 ) ( A ) & 808 Uniform Commercial Code 9-609 to 9-616 FTC Holder Rule violations if third-party finance company was involved State-level repossession and notice laws ( based on your state ) This mirrors the rulings in : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Misleading reporting of repossession and payment status XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) Improper repossession and deficiency handling Recent FTC enforcement actions targeting unlawful repossession practices lacking right-to-cure compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: TX

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Companies are reporting inaccurate information after lawful dispute pointing out the inaccuracies of the furnishers and the credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Companies are reporting inaccurate information after lawful dispute pointing out the inaccuracies of the furnishers and the credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I previously submitted complaint # XXXX regarding inaccurate and unverifiable reporting by XXXX XXXX XXXX XXXX That case was closed without resolution. Experian continues to report the account ( Account # : XXXX ) despite failing to provide any legal or original documentation proving this debt is valid.

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 2025-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
To Whom It XXXX Concern, I am filing this complaint regarding a debt account that is inaccurately reported and was collected through unlawful practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Issue # XXXX XXXX XXXX XXXX The original creditor is reporting the account as open, even though the debt has been sold or transferred to a third-party collection agency. This is misleading and inaccurate, as the original creditor no longer owns the debt. Under the FCRA, all data reported to credit bureaus must be accurate and not misleading. An account can not remain marked open once it has been sold it must be closed or updated appropriately. This inaccurate status unfairly inflates my debt-to-credit ratio and misrepresents my financial obligations. Issue # XXXX Illegal Collection Conduct and Third-Party Disclosure The collection agency associated with this account has violated federal law multiple times : They repeatedly contacted my husband, disclosing the existence and details of the debt, which is a clear violation of the XXXX third-party contact rules. They threatened legal action during these third-party calls, stating they were planning to sue me which is both misleading and illegal when communicated to someone other than the debtor. They have called multiple times a week, even after speaking with my husband, amounting to harassment and excessive third-party communication. These actions have caused me emotional distress and represent a serious breach of consumer protections under federal law. I am prepared to provide further documentation and phone logs to support this complaint upon request. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: IA

Complaint narrative:
I returned my XXXX XXXX lease to XXXX XXXX XXXX Illinois in XX/XX/XXXX. A dealership representative told me via text that I did not need to make the final lease payment, as they would handle the balance with XXXX XXXX XXXX XXXX ( XXXX  ). Acting in good faith, I removed auto-pay and did not make the final payment, trusting the dealerships instructions. 

XXXX later reported the account as late and charged off, which resulted in a XXXX drop in my credit score. As soon as I learned this, I paid the full balance of {$1000.00} to XXXX. To acknowledge their role, the dealership reimbursed me the same amount as a goodwill gesture. 

I previously had a perfect payment record on this account. This charge-off resulted from misinformation by the dealership and does not reflect my payment behavior or intent.

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