vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt for over {$3700.00} in which they didnt honor their contract. Its very deceptive. I made my payments through auto pay and never was not fully aware of any extra fees and our cost the contract say something totally different and they are not honoring their contract so they sent me to a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
Current ( Finco Services , Inc. ), headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NY XXXX, operates as a XXXX XXXX offering consumer banking services through partnerships with XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/XXXX, I opened what I understood to be a regular checking/deposit account with Current. At no point during the signup was it clearly or prominently disclosed that I was also authorizing the creation of a secured credit card account that would be reported to credit bureaus. 

Shortly after account setup, I discovered that a Current Build Visa Secured Credit Card tradeline had been reported to XXXX XXXX XXXX XXXX, leading to an approximately XXXX drop in my XXXX XXXX. I contacted Current support ( ticket XXXX XXXXXXXX on XX/XX/XXXX ) and followed up through XXXX complaint filed XX/XX/XXXX. Their written response dated XX/XX/XXXX acknowledged that both my deposit and XXXX XXXX accounts were opened during the same onboarding session, claiming I consented via an XXXX XXXX. 

However, this response ignores the central issue : the XXXX XXXX enrollment and credit bureau reporting were not transparently disclosed or separately authorized, especially considering that consumers typically expect debit or checking accounts to have no credit impact. The interface was designed to appear as part of a checking account setup, which misled me into unintentionally opening a credit product. 

By reporting a tradeline without clear, informed, and separate consent, Current ( as a furnisher ) has likely violated its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Regulation V ( 12 CFR 1022.42 ), which require accurate reporting and reasonable investigation of disputed information. CFPB guidance, including XXXX XXXXXXXX, explicitly warns furnishers that they can not rely solely on internal records to deem a report authorized when consent is contested. 

This unauthorized credit account has caused measurable financial harm, including a drop in credit score, reputational impact, and the time and expense required to dispute and correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Dear Trans Union I am writing to formally request the method of verification used to verify the accuracy and completeness of the following accounts listed on my credit report, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide : The name, title, and contact information of the person who verified each account. 

The date and time the verification occurred. 

The entity or system used to confirm the accuracy. 

A copy of the XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) or any electronic record used. 

Additionally, I am requesting further verification of ownership and legitimacy of these debts, including : Confirmation whether these debts were securitized, sold, or transferred to any XXXX party. 

The name of the current creditor or entity that claims ownership. 

A copy of the original signed agreement authorizing the account and its reporting. 

As evidence, Experian has already deleted the XXXX. XXXX collection accounts after confirming with the original creditor that the accounts were not verifiable. Proof of deletion is included in the attached documentation. This clearly demonstrates that the information previously verified by other bureaus may be inaccurate or unverifiable, requiring immediate reinvestigation and deletion. 

Under FCRA 611 and 609 ( a ) ( 1 ), I am entitled to a complete description of your reinvestigation procedure and the records relied upon. Please respond within 15 business days as required by 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I previously had my federal student loans serviced by XXXX. They later transferred my loans to XXXX. During my time with Navient, I was placed into forbearance and not properly offered or assisted into an Income-Driven Repayment ( IDR ) plan, despite clearly qualifying based on income. 

Because of this, I believe I lost qualifying months toward forgiveness and accrued unnecessary interest. I was never given clear guidance or support, and now Im struggling financially to manage this debt. 

Im requesting a review of my account history to ensure I receive full credit for any lost IDR or forgiveness months, and to confirm that XXXX servicing practices did not negatively impact my eligibility for relief or lower payments. 

My loans were officially transferred from XXXX  to XXXX on XX/XX/year>. I have attached the email showing the transfer notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-10-31 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
b'Reference CFPB Complaint Nos.: XXXX and XXXX\nComplainant: XXXX XXXXnEmail: XXXX\nPhone: XXXX XXXX\nInstitution: PNC Bank, N.A.  The Tower at PNC Plaza, XXXX XXXX XXXX XXXX XXXX XXXX\n\n\n\nSummary of Update\n\nOn XXXX XXXX XXXX PNC Bank confirmed that it is proceeding with the closure of my account while still withholding verified U.S. Treasury refund funds totaling XXXX.\n\nThis development directly escalates the issues already documented in my prior CFPB complaints. PNCs Deposit Reconciliation Unit (DRU) internally labeled the transaction as a Claims Settlement and posted a DRU Claims Debit for the full amountwithout my authorization, without any Treasury reclamation claim, and without issuing proper Regulation CC notice.\n\nFollowing these actions, I issued a Formal Direction for Cashiers Check Issuance and Delivery to PNCs Legal Department and Deposit Reconciliation Team by certified mail (Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX). This letter formally directs PNC to issue the cashiers check for payment, not for collection, as required under Regulation CC  229.10(c)(1)(i) and 229.13(g), and to provide written confirmation of mailing and release.\n\nDespite this, PNC has failed to produce written confirmation, continues to restrict account access, and is now finalizing an account closure that effectively conceals its unlawful retention of Treasury-cleared funds.\n\n\n\nInvolvement of Congressional and Regulatory Oversight\n\nThis matter is now under active review and monitoring by multiple federal and state oversight bodies, including:\n\t\tThe Consumer Financial Protection Bureau (CFPB)\n\t\tThe Office of the Comptroller of the Currency (OCC)\n\t\tThe Florida Attorney Generals Office (Consumer Protection Division)\n\t\tThe U.S. Department of the Treasury / Treasury Inspector General for Tax Administration (TIGTA)\n\t\tA United States Senator, a United States Congressman, and a Florida Congressional Representative, who have each been formally briefed on PNCs conduct\n\nThese agencies and congressional offices have been provided copies of my certified correspondence and case materials for ongoing oversight and follow-up investigation.\n\n\n\nKey New Facts\n\t1.\tXXXX XXXX XXXX: PNC internally re-coded the verified deposit as a Claims Settlement, then removed the entire balance through a DRU Claims Debit.\n\t2.\XXXX XXXX XXXX: PNC Supervisor Alex confirmed that the account would be closed and a cashiers check mailed but provided no confirmation or tracking.\n\n4.\tThere is no evidence of any Treasury reclamation, fraud alert, or return itemthe Treasury item was verified and cleared through TCVS.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
TransUnion ( TU ). The following accounts are in dispute, and I request that they be corrected or removed from my credit report Charged Off Accounts XXXXXXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Amount : {$19000.00} XXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I wish to formally clarify that I did not approve this inquiry and I did not engage in any conversation with the referenced lender on the specified date. In light of this, I request that you expedite the removal of this inquiry from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company has contacted me and I have no idea what or where this is from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: SC

Complaint narrative:
Subject : Request for Compliance with 15 U.S.C. 1681e ( a ) Verification of Accuracy and Reliability Dear [ Credit Bureau Name ], I am writing to request that you comply with your obligations under 15 U.S.C. 1681e ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

Upon reviewing my credit report, I have identified information that I believe may be inaccurate, incomplete, or unverifiable. Please conduct a thorough investigation into the following items to verify their accuracy : 1. [ Creditor Name / Account Number / Description of Item ] Issue : [ Explain briefly why its inaccurate or unverifiable, e.g., Account shows late payment from XXXX but I have documentation proving on-time payment. ] Please provide : The method of verification you used to determine the accuracy of the information ; The name and contact information of the furnisher that verified the data ; and A corrected credit report reflecting any deletions or updates made as a result of your investigation.

If you can not verify the accuracy of the information in compliance with 1681e ( a ), please delete the item immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

Thank you for your prompt attention. I expect your written response within 30 days as required by law. 

Sincerely, [ Your Signature ] [ Your Printed Name ] [ Date of Birth / Last XXXX of SSN for Verification Purposes ] Would you like me to tailor this letter to a specific item or credit bureau ( e.g., XXXX XXXX XXXX )? I can generate a version ready to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I have identified several discrepancies that need to be investigated and corrected. Below is a detailed breakdown of the accounts in question, which I request be thoroughly reviewed Charged Off Accounts : XXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX - Date : XX/XX/XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company response to consumer: Closed with non-monetary relief