vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX United States Subject : Dispute of Charge-Off on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information regarding a charged-off account that appears in my credit report. The account in question is listed under XXXX XXXX with an account number of XXXX. 
I do not agree with the reporting of this account as a charge-off for the following reasons : 1. I dispute the amount being reported as inaccurate and inconsistent with my records.

2. The accounts charge-off date appears to be incorrect.

3. I have not received adequate documentation from the original creditor verifying the balance and the events leading to the charge-off.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. Therefore, I am requesting a full investigation and : A copy of the original contract or agreement bearing my signature.

A detailed accounting or billing history that shows how the charge-off balance was calculated.

Verification of the charge-off date and delinquency timeline.

Proof that the creditor complied with all legal obligations prior to reporting this charge-off.

If the information can not be verified, I respectfully request that this charge-off listing be corrected or deleted entirely from my credit file. 
Please conduct your investigation within the 30 days required by the FCRA and send me the results in writing. 
Sincerely, 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 2025-05-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Subject : Dispute of Charge-Off on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information regarding a charged-off account that appears in my credit report. The account in question is listed under XXXX XXXX  with an account number of XXXX. 
I do not agree with the reporting of this account as a charge-off for the following reasons : 1. I dispute the amount being reported as inaccurate and inconsistent with my records.

2. The accounts charge-off date appears to be incorrect.

3. I have not received adequate documentation from the original creditor verifying the balance and the events leading to the charge-off.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. Therefore, I am requesting a full investigation and : A copy of the original contract or agreement bearing my signature.

A detailed accounting or billing history that shows how the charge-off balance was calculated.

Verification of the charge-off date and delinquency timeline.

Proof that the creditor complied with all legal obligations prior to reporting this charge-off.

If the information can not be verified, I respectfully request that this charge-off listing be corrected or deleted entirely from my credit file. 
Please conduct your investigation within the 30 days required by the FCRA and send me the results in writing. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
b'On XXXX XXXX, 2025 I discovered several (10) fraudulent transactions that had been made on my card following a visit of mine to a LA gift shop. My card was skimmed at this LA gift shop and I did NOT approve of any of the 10 transactions that were made on my card, including an 11th transaction in which was an ATM withdrawal that I did NOT complete or authorize.  I reported these fraudulent events to PNC as soon as I became aware of them and I reported this event to law enforcement as well. (XXXX XXXX  POLICE DEPARTMENT - REPORT NUMBER: XXXX. \n\nPNC has conducted multiple investigations into these charges and has yet to provide me with a detailed explanation as to how they came to the conclusion that I made these transactions. The only information provided to me is that these transactions "align with my historical usage patterns" with no further explanation (by mail or phone) and I have sent documentation to PNC on multiple occasions requesting the documents used for the fraud investigation to be provided to me. PNC has refused to acknowledge my fraud event and the events that transpired that are likely connected to this event. My card was skimmed without my knowledge and I am requesting a thorough investigation into this matter and the fraud materials used for investigation purposes be returned to me. \n\nReference #\'s: \n\nXXXX\nXXXX2025 - XXXX\n1XXXX2025 - XXXXnXXXX2025 - XXXX\nXXXX/2025 - XXXX\nXXXX/2025 - XXXX\nXXXX/2025 - XXXX\nXXXX/2025 - XXXX\n\nXXXX\nXXXX/2025 - XXXX ATM WITHDRAWAL\n\nXXXX\nXXXX/2025 - XXXX\nXXXX/2025 - XXXX\nXXXX/2025 - XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
multiple unknown inquiry 's .. from way back XXXX. addresses I no longer live are still there, late payments .. also closed accounts should no longer be there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-12 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: DISCOVER BANK
State: MI

Complaint narrative:
So on XXXX XXXX my card was charged {$480.00} for a insurance company called XXXX XXXX. I reported fraud. I never had XXXX XXXX. Never used XXXX XXXX I have All State insurance been had them for over two years. I contacted Discover they remove the charge then added it back XX/XX/XXXX. I contacted the XXXX number for XXXX insurance company ask for the person information that stole my card information. I asked for the person name and address along with the account number. The lady said she can't give me any information call another number. She gives me a number that's goes to voicemail No one calls me back. So Discover send a paper dated XX/XX/XXXX and say I have to return it XXXX after XX/XX/XXXX I received the letter XX/XX/XXXX. The letter said that it was my charging and there recharging my account. I need to send proof that I canceled XXXX XXXX and the account number. How can I cancel something that I didn't create. They also said they reported this to the credit agency that I disputed this.Im not understanding why. Discover sent me a paper that XXXX sent them. They letter said a card was not used it was facsimile data and the card holder name is XXXX XXXX. So how am I being charged for a fraudulent charge. XXXX sent them proof it wasn't me but there still charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app sent me a email stating that my phone number has been unlinked to my account as well as my email. I contacted support, sent them copies of the information that they sent to me. Nothing was done on that behalf. I called customer service department. I was rudely brushed off and hung up on. I called back and got a representative but I think it was not a live representative. I requested an investigation to be taking place upon that and I requested a copy of the investigation that was generated. I was told that they were not able to give me a copy of the investigation report that I was asking for an investigation on this behalf as well as I asked to speak to upper management, a live upper management, not by virtual email, I was denied to speak to a live representative. I asked several questions about policy and procedures. Never got proper answer or response on that behalf. They stated and denied me that I am not able to get a copy of a generated report that was supposed to be generated when the consumer asking for the company to investigate fraud has occurred on the consumer 's account. I asked for documentations of the generated report and never got the proper information or response on the behalf of this just stating that they only can give me a report number but not a copy of the generated report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: RI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-12 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction 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 XXXXXX/XX/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 2025-05-12 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: OH

Complaint narrative:
I am filing a complaint regarding inaccurate late payments being reported on my account ending in XXXX. I have disputed this information with both the credit bureaus and the furnisher, yet the late payments remain on my report without proper validation or documentation.

Under 15 U.S. Code 1681s-2 ( a ), furnishers are required to report accurate information. Additionally, under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable investigation within 30 days. To date, neither party has provided sufficient evidence to justify the continued negative reporting. I am requesting immediate correction or removal of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
XX/XX/XXXX, call me all month XXXX all month, the the XXXX  started XXXX then the letter and continue to call it is against the law to sell person information, so they could be sued for false information and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing the information because it is incorrect and does not belong to me. I did not open or authorize this account, and I have no knowledge of the activity reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: MD

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 2025-05-12 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: NC

Complaint narrative:
I am writing to formally dispute the improper handling of my credit file and request immediate action regarding the violations that have occurred. I submitted a dispute to your agency concerning inaccurate or unverifiable information on my credit report on XX/XX/year>, which falls under the timeframe for the XXXX vs XXXX lawsuit. Instead of conducting a thorough investigation or removing the disputed accounts as required by the Fair Credit Reporting Act ( FCRA ), I was issued a XXXX XXXX action that has now been challenged in a lawsuit against XXXX for failure to comply with proper dispute procedures. I understand this dispute is for Equifax, however the same unfair treatment happened the same as with XXXX 

By issuing a XXXX letter and refusing to investigate or delete the disputed items, XXXX failed to meet its legal obligations under 15 U.S.C. 1681i, which mandates that a credit reporting agency must conduct a reasonable investigation when a consumer disputes information in their credit file. Furthermore, your actions have directly harmed me by continuing to report negative information without due process. The following items should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX XXXX Complainant : XXXX XXXX XXXX Servicer : University XXXX XXXX ( XXXX ) School : XXXX University Account Number : XXXX Date Range of Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Complaint Description I am a student at XXXX University, and my XXXX loan serviced by University XXXX XXXX ( XXXX ) was reported with 120-day late payments from XX/XX/XXXX through XX/XX/XXXX. These late payments were reported in error. I was actively enrolled and attending classes during that entire period, and my account should have been in in-school deferment status.These inaccurate late payments have severely damaged my credit score and are now preventing me from qualifying for an FHA mortgage XXXX which is urgent for my familys housing needs.I have contacted XXXX University XXXX XXXX, and Experian multiple times and provided verification of my enrollment, but the late payments have not yet been corrected or removed. I also filed a XXXX  complaint and still have not received resolution.I am requesting that the CFPB assist in having : - The inaccurate late payments removed from my credit report- XXXX  and XXXX  formally acknowledge and correct the reporting error- The credit bureaus update the reporting with a Rapid Rescore request from my mortgage lender Thank you for your assistance.

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