vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax & XXXX  is reporting factually impossible and inaccurate information on my credit file. 

The creditor reports of XXXX XXXX the account as Closed on XX/XX/XXXX, but the Date of First Delinquency ( DOFD ) is listed as XX/XX/XXXX. 

This is chronologically impossible, as an account can not become delinquent after it has already been closed.

This violates FCRA 623 ( a ) ( 1 ) ( A ) regarding the accuracy of furnished information, and FCRA 611 ( a ) regarding the CRAs duty to correct or delete inaccurate information.

I have disputed this multiple times with Equifax, but the error continues to be verified despite obvious inconsistencies.

I am requesting that Equifax and the furnisher correct the DOFD to the accurate date ( prior to closure ) OR delete the tradeline entirely as required by the FCRA and Metro-2 reporting standards.

I am requesting CFPB assistance due to the bureaus failure to correct this clear error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 account listed on my FTC report are fraudulent and does not belong to me. I do not recognize or authorize this account. I demand you have this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a check from Citi with the amount of XXXX, which does not reflect the whole closing balance of XXXX XXXX I went to the bank and requested the remaining money from the closed bank account on XXXX. The teller told me that the amount of XXXX $ was taken by Citi bank for investigation. I told her and her manager that the money they took for investigation is my salary from 3 US-based companies I was regularly paid by and it is reflected on my bank statement, which are : XXXX ( amount of XXXX $ ), XXXX ( amount of XXXX $ ), and XXXX XXXX  ( amount of XXXX $ ). I am a XXXX XXXX XXXX XXXX XXXX  and these payouts are my salary. I demand to release my salary immediately as they are coming from verified sources.

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 monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check in the amount of {$21000.00} into my business account at XXXX. At the time of deposit, the branch did not provide the required hold disclosure due to a printer error. I left the branch without being told that the majority of the funds would be held. 

Over the next several days, I received multiple conflicting explanations for the hold. At first I was told the funds would be available on XX/XX/year>. Later I was told the hold would continue because the issuing company had not deposited to my account before, because the deposit was too large, and finally because my account had overdrafted earlier in the year. None of these reasons were provided or documented at the time of the deposit. 

I returned to the branch on Friday following the deposit and was told the issue would be escalated to management and that I would receive an update by Monday. No one followed up. I had to contact the bank again to get information. 

The overdrafts the bank referenced were caused by delays in receiving the same settlement funds represented by the cashiers check, not by misuse of the account. 

This was a cashiers check, which is a guaranteed form of payment, and no documentation has been provided showing a valid exception hold reason under XXXX XXXX. The bank has had possession of the funds since XX/XX/year>, and the delay has caused financial harm to my business. 

I requested documentation showing the specific hold reason, the XXXX XXXX exception code used, and contact information for the decision-maker. I have not been provided with this 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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Please refer to case XXXX and XXXX. 
My dispute on transaction amount {$47.00} has been under investigation since XXXX XXXX issued a {$11.00} credit for the unauthorized additional amount that was added to the authorized amount {$36.00}. 
The remaining {$36.00} plus additional unauthorized {$1.00} international fee for total {$38.00}. 
It is utterly ridiculous that this dispute would continue to be delayed. At this time, PNC now advised the dispute is under a 90 day time frame because it is international. 
This product was purchased through a XXXX ad by a company asserting to be XXXX, using my PNC debit card for {$36.00}. 
All of the above occurred after my account was charged {$47.00}. 
Under Reg E, a provisional credit should have been applied by the 10 day rule when it was determined the dispute needed additional time. 
That time frame would be 45 days, not 90. 
It appears that the dispute process for Reg e transactions is not being followed by PNC. I am completely disgusted and frustrated but I am continuing my dispute on principle now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am submitting this dispute for the accounts listed below, which are inaccurately reported on my credit report. The accounts listed include charged off accounts and inquiries that I believe have been reported incorrectly. Please investigate these accounts and correct any inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I am opening this new complaint to formally provide authorization for Experian to fully communicate, investigate, disclose, and respond to the Consumer Financial Protection Bureau regarding all information related to my consumer report and the disputed items associated with my previous complaint. 

I acknowledge that the CFPB informed me that the company requested authorization before continuing their investigation. This submission serves as my direct and explicit authorization. 

I hereby authorize : Experian Information Solutions , Inc . 

Any of its agents, compliance officers, investigators, legal representatives, or employees to : Access my consumer file for the purpose of addressing this complaint.

Provide the CFPB with full information related to my account, dispute records, and any internal documentation. 

Share all necessary information with the CFPB, including reinvestigation results, data furnisher communications, reporting logic, and supporting documentation. 

Respond directly to the CFPB on my behalf without any restrictions. 

Take all compliance steps required to fully resolve the complaint. 

This authorization applies specifically and solely to this CFPB investigation and does not waive any of my consumer rights under the FCRA, FDCPA, or any other federal or state law. 

I request confirmation that Experian has received this authorization and that the CFPB case can proceed without delay. 

Optional Additional Statement ( highly recommended ) You may add the following to strengthen the authorization : * * I also request written confirmation from Experian stating : they have received this authorization, they will resume the investigation immediately, and they will comply with all FCRA reinvestigation requirements. * *

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding repeated restrictions on my bank account and the lack of timely resolution. My account was unlocked after a 3-week identity verification process, only to be restricted again the next day before I could perform normal transactions. This indicates the issue is due to an internal system flag rather than fraudulent activity.

Despite completing full IRS and E * TRADE verifications, I was repeatedly transferred between frontline staff who do not have access to my account review notes. When I requested escalation due to financial hardship I have no access to funds needed to pay bills and meet obligations the agent ( supervisor XXXX ) refused to assist or transfer me to someone with authority to resolve the matter, documenting their refusal only after I insisted. 

The bank has failed to provide a clear explanation, an actionable timeline, or meaningful assistance, forcing me to escalate this matter to the CFPB. 

I am requesting that the CFPB investigate this matter and ensure the bank provides a prompt explanation for the account restrictions, returns access to my funds immediately, and implements proper escalation procedures to prevent repeated issues, especially in hardship situations. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In XXXX I set up an account with XXXX ( XXXX XXXX ) for XXXX high speed broadband Internet service. Shortly after, COVID happened. In XXXX, XXXX notified us that we may qualify for an extended discount as our one year price guarantee had expired and our bill increased to {$89.00} from {$59.00}. The subsidy decreased our total to {$29.00}. We set up automatic payments based on our understanding that the subsidy had taken effect. The adherence to the agreed subsidy was questioned by myself and others and a complaint was made to CFB prior to switching service providers. Regardless, we paid the statement balance and eventually, in XXXX, decided to change providers as XXXX had become unreliable and unstable in our area. We switched providers to XXXX. 
Throughout XXXX and XXXX, our balance varied from {$29.00} to {$57.00} and up to {$89.00}, which may have included surcharges and fees as the fluctuation in pricing and issues with our credit union at that time caused potential overdrafts. The total amount due in XXXX according to the email statement sent on XX/XX/XXXX was {$120.00}. 

I reached out to XXXX customer service at the end of the month as I could no longer log in to my account with my phone number and account credentials to pay the balance. I spoke with the customer service rep who also subsequently had issues locating my account but eventually was able to find it. I asked how I would make this payment to clear the account and close it. I was informed that these charges were equipment charges as I DID still have the modem and router provided. I asked if this was all or if I owed any monies. I was told that the equipment was the only charge and I was advised to drop off equipment at XXXX and maintained the tracking number as I was told to just in case they don't receive the equipment. 

On XX/XX/XXXX, I received the email that the equipment had been received, however, the email message then claimed I owed {$240.00}. 
At this point, I believed that this was an error as customer service did not ask me to pay any remaining balance as I requested to do so at that time. I was told the account would be closed once the equipment was delivered intact and functional. The equipment was intact and functional at the time it was brought to the XXXX location. 

Now, XX/XX/XXXX, I am receiving contacts from a collector working on behalf of XXXX ( Amsher ) referencing a debt that I had been told I no longer owed. All communications have been recorded and I have uploaded documents in lieu of my claim as supporting evidence, though spectrum itself had sent written communication regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
These accounts are not mine ; remove them within 15 days per USC 1681g guidelines.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-11-19 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: GA

Complaint narrative:
I have made several attempts to resolve this issue, including calling the data furnisher as well as the credit reporting agency directly. 
I have even filed a report with The Federal Trade Commission which I will attach to this complaint. 

I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately with 4 Business Days.

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 2025-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief