vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
I recently pulled my credit report found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process in starting my business I can not get access to loans because of these inaccuracies on my report. Please review all of my documents and remove the accounts that are listed.

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 2025-11-11 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-11 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2000.00} XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$6900.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected 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 2025-11-11 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: AL

Complaint narrative:
I disputed an XXXX XXXX XXXX collection account with TransUnion in XX/XX/year>. The same account was deleted from both Experian and Equifax after their investigations confirmed that the information could not be verified. 

TransUnion, however, reported the item as verified as accurate on XX/XX/year>, without providing any documentation or validation from XXXX XXXX XXXX. The bureau only updated internal fields such as date updated and rating, but did not supply proof that XXXX XXXX XXXX validated or owns this debt. 

I previously mailed a debt validation request to XXXX XXXX XXXX in XX/XX/year>, which was received and signed for. No validation was ever provided within the required XXXX window. Despite this, TransUnion verified the account without evidence from the furnisher, violating the Fair Credit Reporting Act ( FCRA XXXX ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ). 

I am requesting a full reinvestigation and deletion of this account from my TransUnion credit report unless XXXX XXXX XXXX can produce verifiable documentation from the original creditor showing the accounts ownership, balance, and accuracy.

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 2025-11-11 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found several inaccurate, unverifiable, and misleading items that continue to be reported despite multiple previous disputes. These include late payments, duplicate reporting, and unauthorized hard inquiries that have not been validated by the furnishers. The accounts in question involve XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

Each of these creditors is reporting late payments and derogatory notations that have not been substantiated with billing statements, payment records, or notice of delinquency, which is a violation of FCRA 607 ( b ) ( requirement for accuracy ) and FCRA 611 ( a ) ( failure to properly reinvestigate ). For example, XXXX XXXX XXXX and XXXX XXXX XXXX are reporting 30- , 60-, 90-, and 120-day late payments with inconsistent dates and unverifiable histories. XXXX XXXX XXXX XXXX XXXX report a 60-day late payment on a closed account, which is factually impossible. XXXX XXXX XXXX Shops is inaccurately reporting a late payment even though I am only an authorized user, not financially responsible for the account. XXXX XXXX XXXX and XXXX XXXX Bank have both failed to produce payment history records or any written evidence proving these late payments occurred. 

In addition to these inaccurate accounts, there are numerous unauthorized hard inquiries on my credit reports from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX among others . I did not authorize these inquiries, nor have any of these furnishers provided signed credit applications or proof of permissible purpose under FCRA 604 ( a ) ( 2 ). The pattern of multiple clustered inquiries suggests potential misuse or overexposure of my credit information without my consent. 

Despite multiple disputes and requests for validation, the credit bureaus have continued to verify these items without providing evidence of proper reinvestigation or validation. This ongoing reporting of unverifiable information and failure to provide documentation is a direct violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates willful noncompliance by the bureaus and furnishers.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am writing to formally dispute and report unauthorized ACH debits from my PNC business checking account made by a company called XXXX XXXX XXXX XXXX  I have never opened an account with this company, authorized any transactions, or given them permission to debit my account. 

These withdrawals are fraudulent. I discovered them after receiving unexpected email notifications referencing XXXX XXXX or XXXX XXXX  Upon researching the company, I learned that others have reported similar issues related to a so-called Credit Builder program that automatically pulls funds from personal accounts. However, my account is strictly a business account used for legitimate business operations, and I have no relationship with XXXX XXXX XXXX XXXX  in any capacity. 

I am requesting that PNC : Immediately block any further withdrawals or deposits from XXXX XXXX XXXX XXXXXXXX XXXX XXXX Investigate and reverse all unauthorized transactions made by this company ; Issue me written confirmation of the outcome of this dispute ; and Reimburse any associated fees or losses incurred as a result. 

Please treat this as a formal notice of unauthorized electronic fund transfers under Regulation E ( 12 CFR 1005 ). I expect acknowledgment of this claim within 10 business days and resolution within the timeframe provided by federal regulations.

Thank you for your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email ] if additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery reported a debt that I have no knowledge of. I requested for debt validation and never received any response from this debt collector.

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

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

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 2025-11-11 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$6900.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-11 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a complaint regarding the handling of my credit card, which was initially closed due to an income verification requirement via IRS Form XXXX. 

XXXX of events : XXXX XXXX / XXXX XXXX : I submitted the required XXXX form. 

XX/XX/XXXX : Form submitted. 

XX/XX/XXXX : I called to confirm receipt ; the representative confirmed that the form was received on XX/XX/XXXX and stated that the issue would be addressed within 30 days ( by XX/XX/XXXX ). 

XX/XX/XXXX : I called again due to no updates. The representative stated that the form had been forwarded to XXXX  on XX/XX/XXXX. Previously, they had indicated it was forwarded on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX : I called several times for updates. I was repeatedly told to wait, with the representative indicating various deadlines, including XX/XX/XXXX. 

XX/XX/XXXX : I called again and was told that resolution would require an additional 16 days, extending the deadline to XX/XX/XXXX. 

During this period, I have been unable to use my card for over XXXX months, causing significant inconvenience. The repeated delays and conflicting information have been frustrating and unacceptable. 

I am requesting that the CFPB investigate this matter and assist in ensuring timely resolution and proper communication from the credit card issuer. 

Thank you for your attention to this matter.

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 2025-11-11 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the major credit reporting agencies ( XXXX XXXX, and Equifax ) for willfully reporting false personal information and allowing unauthorized hard inquiries to appear on my credit report. These violations have severely impacted my credit profile and go against my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit file, I identified multiple inaccurate addresses and unauthorized inquiries that I did not approve, consent to, or initiate. The false and unverifiable information is listed below : WRONG ADDRESSES REPORTED : XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX WRONG ADDRESS These addresses are completely inaccurate and have no association with my personal, residential, or employment history. I have never lived, received mail, or conducted any business at these locations. Reporting such false addresses creates confusion, potential identity theft risk, and a misleading credit file. Under the FCRA, you are required to maintain only verifiable and accurate personal identifying information. I am requesting immediate deletion of these addresses from my report. 
These inquiries have caused unnecessary damage to my credit score and XXXX have exposed my private information to third parties unlawfully. I request that these inquiries be immediately deleted from my credit file as they are unverifiable and unauthorized. 
LEGAL BASIS OF COMPLAINT : Under the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) ( 1 ) : Requires credit bureaus to conduct a reasonable reinvestigation within 30 days of receiving a dispute.

1681e ( b ) : Mandates that all reported information be accurate and up to date.

1681b ( a ) : Limits who can access consumer credit information and for what purpose.

1681n & 1681o : Provide remedies for willful and negligent noncompliance, including statutory and punitive damages. 
The credit bureaus and furnishers have failed to comply with these sections, continuing to report inaccurate data despite being notified of these issues. This negligence has caused emotional distress, credit denials, and unnecessary financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX initiated a routine domestic XXXX transfer in the amount of {$14000.00} from our Bank of America business checking account to a XXXX recipient for legitimate business purposes related to real estate services. All parties involved are XXXX citizens or residents with domestic accounts, and there are no international elements or connections to sanctioned individuals, entities, or countries. 
Shortly after initiation, Bank of America informed us that the transfer had been flagged and held due to an automated screening match under the Office of Foreign Assets Control ( OFAC ) sanctions regulations, as outlined in 31 CFR Part 501. We believe this to be a false positive, likely resulting from a name similarity, memo field keyword, or other innocuous transaction detail that triggered the banks compliance system, as described in OFACs reporting and procedures guidelines ( e.g., 501.603 on reports of blocked property and 501.806 on procedures for unblocking funds due to mistaken identity ).

Despite our immediate inquiries, Bank of America has not provided detailed reasons for the hold beyond referencing OFAC compliance, citing regulatory restrictions on disclosure. Frontline representatives have been unable to escalate or resolve the issue promptly, and the funds remain inaccessible in a blocked account. This is the first such incident we have experienced, and a review of OFACs Specially Designated Nationals ( SDN ) List and other sanctions lists confirms no actual match to our company, myself, or any associated parties. 

As of XX/XX/year>, the hold has persisted for XXXX days, causing significant disruption to our business operations, including delayed payments for time-sensitive real estate transactions and potential financial harm such as lost opportunities and additional costs. We have taken steps to resolve this by contacting Bank of Americas OFAC/Compliance Department and submitting a request to OFAC for unblocking under 31 CFR 501.806, providing proof of identity and transaction details. However, the banks handling has been inadequate, with slow response times and lack of transparency, violating expectations for fair and efficient consumer financial services.

This erroneous hold appears to stem from overly broad automated screening without timely manual review, as permitted under OFAC regulations but resulting in undue burden on innocent customers. We request CFPB intervention to compel Bank of America to expedite the review, release the funds, and improve their processes to prevent similar false positives in the future.

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