vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Late payment dates reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding inaccurately reported late payments on my credit report. The furnisher and credit bureaus are reporting late payments that violate multiple federal consumer protection laws and must be removed. 

The reporting of these late payments is not accurate, not verifiable, and not compliant with : 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct a reasonable investigation after a consumer dispute. No valid documentation proving the accuracy of these late payments has been provided.

15 U.S.C. 1666b Creditors must credit payments on the date they are received. Any delay in posting or misapplied payment can not legally result in a late-payment entry.

15 U.S.C. 1666i Protects consumers from billing errors and improper creditor practices. Late-payment reporting resulting from internal errors or processing delays violates this section.

15 U.S.C. 1681b ( f ) Information furnished to credit bureaus must have a permissible purpose and must be accurate. Inaccurate late payments violate this requirement.

15 U.S.C. 1681 The FCRA requires that all furnished information must be accurate, complete, and verifiable. These late payments do not meet this standard.

15 U.S.C. 1681c-1 ( corrected from 16810 ) Requires reinvestigation of disputed information and mandates removal of any information that can not be verified.

I am requesting that the CFPB require the furnisher and credit bureaus to : 1. Conduct a full and reasonable reinvestigation.

2. Provide all documents, timestamps, and records used to verify the reported late payments.

3. Delete the late payments if they can not be fully verified, were posted incorrectly, or were reported in violation of the laws listed above.

These inaccurate late-payment entries are harming my creditworthiness, and I am requesting immediate correction and removal in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-11-24 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:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-11-24 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:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Subject : PNC Bank Failure to Properly Handle Fraud-Induced XXXX Transaction / Inadequate Investigation I am filing this complaint because PNC Bank failed to properly investigate a fraud-induced XXXX transaction and issued an improper denial. PNC treated my case as a standard authorized transfer, ignoring the fact that the authorization was obtained through fraud, misrepresentation, and deception. 

On XX/XX/XXXX, I sent {$2000.00} to an individual named XXXX XXXX after meeting him in person at a car shop, where he falsely claimed he would repair my vehicle. He represented himself as a mechanic, took my payment, and never performed a single service. He disappeared immediately after receiving the funds. This is a textbook case of fraudulent inducement and services not rendered. 

Despite this, PNC denied my dispute without properly considering the fraudulent circumstances. Their investigation was incomplete and appears to have focused solely on the fact that I initiated the transaction, instead of evaluating why I initiated it. The authorization was not legitimateit was obtained by intentional deception, which is fundamentally different from a standard customer-approved XXXX payment XXXX 

I requested an appeal and escalation, but PNC failed to address the fraud aspect, failed to consider the misrepresentation involved, and failed to provide a proper regulatory explanation. The decision does not reflect a fair or thorough investigation under consumer protection guidelines. 

I am requesting the CFPB to intervene and require PNC to : 1. Reopen and reinvestigate my dispute. 
2. Evaluate the transaction under fraudulent inducement, misrepresentation, and services not provided. 
3. Provide a full written explanation of their findings and their compliance with dispute resolution regulations. 
4. Correct their mishandling of this case and issue the appropriate credit if warranted. 

I am seeking the CFPBs assistance because PNC has not taken this dispute seriously, and their failure to consider the fraud involved has caused significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
I am filing this third formal complaint against XXXX XXXX XXXX XXXX regarding the unlawful withholding of nearly {$200000.00} in business funds belonging to XXXX XXXX XXXX XXXX. This complaint follows XXXX 's systemic failure to comply with the resolutions of two prior CFPB complaints ( Case # XXXX and XXXX # XXXX ). 

Chronology of Broken Commitments : On XXXX XXXX, 2025, XXXX closed our business checking account and committed to a 60-day holding period before disbursing funds by check. 

On XXXX XXXX, 2025, in its official response to CFPB Complaint # XXXX, XXXX re-affirmed in writing its commitment to disburse funds after 60 days. 

As of today, over 90 days have passed since the account closure. No check has been received. 

XXXX has provided zero proof that a check was ever cut, mailed, or dispatched ( no tracking number, check number, or mailing date ). 

Escalating Violations & Evidence of Bad Faith : XXXX 's conduct now constitutes a direct challenge to this XXXX 's authority : Breach of Written Commitment to the CFPB : XXXX broke its written promise made to this Bureau in Case # XXXX. 

Failure to Comply with Multiple CFPB Rulings : The existence of a second complaint ( # XXXX ) proves the first resolution failed, showing a pattern of ignoring CFPB directives. 

Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ) : Deceptive : Promising action in regulatory responses but taking none. 

Unfair : Causing substantial financial injury by withholding company funds. 

Abusive : Unilaterally declaring " the matter is closed '' without resolution. 

Willful Withholding of Documentation : XXXX refuses to provide a final accounting or the specific reason for closure, preventing verification of the owed sum. 

Requests for Action : We have exhausted the standard process. We urgently petition the CFPB to : Issue an Immediate Directive to XXXX and its partner bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately disburse the full account balance via XXXX wire transfer. 

Require XXXX to provide, within a strict deadline, a full itemized final account statement and the specific factual and contractual basis for the closure. 

Launch an Investigation into XXXX 's business practices regarding its handling of CFPB complaints. 

Apply appropriate sanctions for XXXX 's repeated failure to adhere to its commitments to this Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
My credit reports across TransUnion, Experian, and Equifax contain multiple serious inaccuracies that violate my rights under the FCRA, including numerous incorrect versions of my name such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, along with several inaccurate addresses including listings from XXXX, XXXX XXXX, and XXXX, LA that I have never used or no longer occupy ; additionally, charge-off accounts are reported with conflicting balances and inconsistent dates of last activity, including XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, and XXXX XXXX  XXXX XXXX XXXX dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all being reported differently by each bureau, creating a distorted credit profile ; my XXXX  XXXX bankruptcy is also being reported inconsistently, with different reference numbers across bureaus despite being from the same filing date ; further, there are multiple unauthorized or outdated hard inquiries such as those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that I did not authorize or that exceed the permissible reporting period, all of which violate FCRA XXXX, XXXX, XXXX, and XXXX, demonstrating a failure to ensure accurate reporting and reasonable procedures, and causing ongoing harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please check information concerning the Equifax Data Breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
XX/XX/year>, I sent XXXX transfert in XXXX, the beneficiary never received the money, when he contacted the bank, it has a mistake at the account number, XX/XX/XXXX, the bank said it send money back to money gram, every day I call money gram, it gives me only refund for XXXX transfert and refuse to refund me other transfert. Please help me. He is the reference number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-24 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: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-24 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Late payment dates reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding inaccurately reported late payments on my credit report. The furnisher and credit bureaus are reporting late payments that violate multiple federal consumer protection laws and must be removed. 

The reporting of these late payments is not accurate, not verifiable, and not compliant with : 15 U.S.C. 1681s-2 ( b ) Furnishers must conduct a reasonable investigation after a consumer dispute. No valid documentation proving the accuracy of these late payments has been provided.

15 U.S.C. 1666b Creditors must credit payments on the date they are received. Any delay in posting or misapplied payment can not legally result in a late-payment entry.

15 U.S.C. 1666i Protects consumers from billing errors and improper creditor practices. Late-payment reporting resulting from internal errors or processing delays violates this section.

15 U.S.C. 1681b ( f ) Information furnished to credit bureaus must have a permissible purpose and must be accurate. Inaccurate late payments violate this requirement.

15 U.S.C. 1681 The FCRA requires that all furnished information must be accurate, complete, and verifiable. These late payments do not meet this standard.

15 U.S.C. 1681c-1 ( corrected from 16810 ) Requires reinvestigation of disputed information and mandates removal of any information that can not be verified.

I am requesting that the CFPB require the furnisher and credit bureaus to : 1. Conduct a full and reasonable reinvestigation.

2. Provide all documents, timestamps, and records used to verify the reported late payments.

3. Delete the late payments if they can not be fully verified, were posted incorrectly, or were reported in violation of the laws listed above.

These inaccurate late-payment entries are harming my creditworthiness, and I am requesting immediate correction and removal in compliance with 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 2025-11-24 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: TX

Complaint narrative:
I have no relation to these accounts and request their deletion within the required 15 days under FCRA rules.

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 2025-11-24 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:
Can you go through this entry? Being late, it might not be correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-24 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is the third complaint I've opened against Experian. I keep opening these complaints because they won't solve the problem. They give CFPB a song and dance and then CFPB closes my complaint, with nothing solved. 

In XX/XX/XXXX, I went to court and changed my married name back to my maiden name. I contacted the three credit bureaus and let them know about it. I sent them all my papers PLUS the name change document signed by the court. XXXX  and XXXX  received the information and changed my last name without any trouble, but Experian responded by entirely wiping out my 40-year credit history. They have not bothered to restore it.

I've tried contacting them by phone ( which is like trying to move the earth ) and have reached them several times despite the AI bots trying to keep me out. I've spoken to Experian via XXXX. I've had agent after agent lie to me. I submitted my identifying information via USPS and, more recently, electronic upload directly to Experian, at their explicit instruction. STILL my credit score is blank. Experian told CFPB that the matter was solved and everything was fine, but here I am, with no credit score at all.

I want Experian to just restore my credit, okay? Here we are at the end of XXXX and nothing 's resolved. This is absolutely unacceptable. Because of Experian 's mistake, now every time I try for a loan or a credit card, I'm told that something is wrong with my credit history ( despite everything being perfect and complete with XXXX  and XXXX  ) and that nobody can help me. That I need to talk to Experian. Well, good luck with that. 

This is criminal and unacceptable. Experian needs to wake up and read the information from the court that I have sent them again and again, and restore my credit! They say they're going to escalate and get things done, but we're almost in XXXX. They need to come through.

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