vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
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 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: CA

Complaint narrative:
An insurance check was issued from XXXXXXXX XXXX XXXXo XXXX XXXX and I. It was cashed at PNC Bank. This is check fraud. They will not respond to me except in the statement that I need a statement about how much of the check was mine. The money is irrelevant, it's the fraud that is the issue. They will not provide any information on if this has been forwarded to authorities for prosecution, nor are they willing to investigate at all. I need them to press charges or cooperate in an investigation. My current contact at PNC is XXXX XXXX. She has called once, left a message and refused to answer any other calls or emails I have made. 
In addition, I have attempted to contact XXXX XXXX at XXXX. She has refused to answer the phone, or respond to emails. 
It has been almost a year since this check was illegally cashed. The amount of time these two companies have logged to cover it up is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I was billed a surprise medical bill by XXXX XXXX. This debt was later sent to Grant Mercantile- a creditor. The debt is in direct violation under AB-716. They ( XXXX ) are claiming that due to the fact I did not respond to them reaching out - that they treated me as uninsured. 
Now, the collection agency is attempting to collect an ambulance bill that appears to violate California Assembly Bill 716 ( AB-716 ). I am a Medi-Caleligible patient who was transported in their ambulance. Under AB-716, emergency ground ambulance services can not balance bill patients beyond in-network cost-sharing. For Medi-Cal patients , cost-sharing is effectively {$0.00}.

Despite this, the collector continues to attempt to collect approximately {$1700.00} {$1800.00}, in violation of the bill listed above.

I have attached below the bill ( and the continued interest ) as well as the response from XXXX XXXX which suggests negligence on their part in treating me as uninsured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a credit report dispute to Equifax regarding an inaccurate account reported by XXXX XXXX XXXX. 

Under Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 1 ), a consumer-reporting agency must complete its investigation within 30 days of receiving a dispute. 

As of XX/XX/year>, Equifax responded through the CFPB portal stating the account remains in Active Dispute status. This clearly shows the investigation was not completed within the required 30-day period, which constitutes a violation of FCRA 611 ( a ) ( 1 ). 

I have not received any verified results or completed reinvestigation findings within the legally mandated timeframe. Equifaxs response indicates ongoing delay and failure to comply with the statute. 

I am requesting that the XXXX XXXX XXXX account be immediately deleted from my Equifax credit file for failure to conclude the investigation within the statutory 30 days. 

Attached supporting documentation : Original dispute filed XX/XX/year> Equifaxs CFPB response dated XX/XX/year> showing Active Dispute Copy of identification for verification ( if needed ) This complaint is filed under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) Failure to complete investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted continues to email me like XXXX times a day. I do not know who this company is and why they continue to contact me. I need this company to cease and desist from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
XXXXUpon my recent review of my consumer reports dated XXXX XXXX XXXX, I discovered numerous unauthorized hard inquiries appearing on my Equifax, Experian, and TransUnion files. I did not authorize, initiate, or consent to these inquiries. Each entity listed below accessed my credit file without a permissible purpose, in direct violation of FCRA 604(a) and Metro 2 reporting standards.XXXXThese inquiries have caused measurable harm to my credit profile, and no signed authorization or verifiable documentation exists to justify their presence.XXXXUnauthorized Hard Inquiries IdentifiedXXXXTransunion, Experian, & Equifax InquiriesXXXX 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 XXXX XXXX XXXXViolations and Legal BasisXXXXThese entries violate:XXXXFCRA 604(a)Credit inquiries require explicit consumer consent or permissible purpose.XXXXFCRA 607(b)Agencies must ensure maximum possible accuracy of consumer information.XXXXFCRA 611(a)Consumers have the right to dispute any information they believe is inaccurate or unverifiableXXXXFCRA 623(a)(1)(A)Data furnishers must not report information they know or have reasonable cause to believe is inaccurate.XXXXFDCPA 807(8)Prohibits communication of false or misleading credit informationXXXXnMetro 2 Compliance StandardsRequire data furnishers to verify and maintain written consent documentation for all hard inquiries.XXXXBecause none of these companies have provided verifiable proof of authorization, they are in direct violation of these laws.'

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In response to your final resolution of complaint : XXXX Since your bank is deceptively advertising a bonus then refuses to allow me to fund my account, close my account and send my funds via postal mail immediately. Not dealing with an incompetent bank!

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 2025-11-06 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: GA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXXXXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
Jefferson Capital Systems has failed to provide proper debt validation as required under FDCPA 809 and continues to report unverifiable data in violation of FCRA 611. The company has not demonstrated legal authorization or ownership to furnish or report this account to my consumer report. Reported information remains inaccurate and non-compliant with XXXX XXXX reporting standards. This account must be deleted or fully validated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am disputing an Affirm, Inc. account that is being reported inaccurately on my credit report. 
The account shows multiple payments made throughout XXXX and XXXX ( for example, payments of {$52.00}, {$70.00}, {$88.00}, and {$150.00} ), yet the payment history still reports those same months as XXXX, XXXX, and XXXX days late. It is impossible for the account to show consistent late payments while payments were being made this is inaccurate and misleading. 
The account also lists conflicting dates for last update, last payment, and charge-off. It reports a charge-off balance of {$52.00} while also showing the account as still past due, which is contradictory. 
Additionally, key information such as the original balance, payment terms, and current status is missing or incomplete. This incomplete and inconsistent reporting violates the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). 
I have attempted to resolve this issue with the company, but Affirm has not provided documentation validating the accuracy of this information. I am requesting that this account be deleted from all credit bureaus within 7 days due to inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-06 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: CA

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 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 2025-11-06 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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/year>

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol one automatically put a restriction on my card. I called and they said it was fine due to suspension of fraud. They requested my ID, 3 months of bank statements, and proof of income. Even doing so for more than once, they still have a restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
In accordance with the XXXX Fair Debt Collection Practices Act, XXXX U.S. Code XXXX, XXXX XXXX XXXX violated my rights as a consumer, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, to resolve this matter, as warranted. Please take note that I am declining any attempts by, or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with further regards to this matter, unless it is to notify me via XXXX mail that you will be terminating all attempts to collect this alleged debt.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Billing dispute with a purchase shown on my statement with Citi/Sears Credit card . 

I am disputing a $ XXXXcharge from a merchant named 'XXXX XXXX ' that appeared on my Sears/Citi credit card XXXX XX/XX/year>. 
I contacted Citi customer service the next day ( XX/XX/XXXX. XXXX  ) stating that I was coerced and threatened without lunch and water, at a time when my XXXX XXXX was low and I had brain fog. the initial agreed upon payment with the merchant was only XXXX but the merchant kept whispering in my ear XXXX till my heart was racing, and in my XXXX  state, I felt threatened to say XXXX. I was assured both verbally and in writing that the charge would be cancelled. 
Three months later, I received a letter stating that I now owe the {$10000.00} again. 
The merchant never provided the educational service I paid for and Citi failed to honor their written assurance that the charge would be removed. 
I am requesting that Citi reopen this dispute and remove the charge permanently.

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 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I have a {$4900.00} available line of credit with creditfresh and make bi-monthly payments. I made extra principal payment of {$500.00} XXXX XXXXXX/XX/XXXX ( in addition to my schedueled payment ) which wasn't applied for XXXX payments, {$1200.00} on XX/XX/XXXX ( in addition to my schedualed payment of {$180.00} on the same day ) Which wasn't applied for weeks on my account. I made an extra principal payment of {$400.00} on XX/XX/XXXX which they will not apply to my account until AFTER my next pay date on XX/XX/XXXX. 

They claim that any payment made before my bi-monthly due date would result in the billed payment being taken out before applying the principal payment and If I were to pay after the due date it would take XXXX weeks to apply. I made both principal payments on the due date which is the only date where it will be applied immediately. The issue is that they are not applying the principal payments for XXXX weeks causing me to pay much more in fees and charges AND then innaccurately reporting the amount owed to the credit reporting agencies causing my credit usage score/credit score to be innaccurately low. 

I would like them to accurately portray my balance to the credit reporting agencies and refund the extra charges they had me pay due to their illegal non compliance with the law ( that payments are dated when they are received ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation