vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Social Security releases money to the institution and it is not made available to me on the day that SS releases it. This is PNC Bank. I have an account with XXXX XXXX  and as soon as SS releases it, they release it to me. For instance, the month of XXXX payment was in my XXXX XXXX  on XX/XX/XXXX and was fully available. PNC Bank did not release it until Friday morning. I checked my account at XXXX to see if the money was there and it was NOT. This has happened several times this year. In my opinion, I think they are keeping the money ( from XXXX  of depositors ) to collect the little bit of interest that they can. But if it is from all of the direct deposits from SS that adds up to a lot of interest they are collecting. I spoke with the bank and they told me that they release when SS releases it. I spoke with SS and they told me they money is released and it is up to the bank as to when to release it. I am going to switch banks, but I think this is so unfair of them. They could be getting a XXXX dollars from the interest of all of their members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
These inquiries were not expected and may not be legitimate. Please verify the documentation 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main financial is reporting the information on a secured title loan I received thru them the car was totaled they had gap and didnt notify me of any differences in balance and also reporting it as profit and loss write off so they are breaking the law by providing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
This letter serves as a formal dispute of a late payment showing on my credit report. I have verified my records and believe this reporting to be incorrect.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i want to complain about the credit bureaus reporting unverified and incorrect information which according tot he FCRA is a violation of my rights as a consumer. 

i have written several lettres trying to correct this information and they have not complied according to the laws put in place to protect me. 

the following names do not pertain to me and i would like of you could help me to correct this as my attempts have not been successful : correct name is XXXX XXXX, XXXX incorrect names reporting are : - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX also the address that keeps being reported is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, nj XXXX this also neds to be deleted as i do not live there nor have access to it mail. so this is a huge issue if mail is being sent there and my identity is at risk of being stolen. 

again i am asking for your help to resolve and correct this. thank you

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 2025-08-05 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: PR

Complaint narrative:
PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX C/O Se Open Date : XXXX Balance 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 2025-08-04 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: GA

Complaint narrative:
Please remove this late & inquiry as it violates my consumer rights.

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 2025-08-04 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: GA

Complaint narrative:
Please remove this late & inquiry as it violates my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
Please remove this late & inquiry as it violates my consumer rights.

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 2025-08-04 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: SC

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : XXXX XXXX XXXX XXXX {$2600.00} | Original Creditor : XXXX XXXX XXXX XXXX XXXX {$380.00} | Original Creditor : SXXXX XXXX XXXX XXXX XXXX {$3100.00} | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} | Original Creditor : XXXX XXXX XXXX These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within XXXX business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( XXXX ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
These accounts do not belong to me and were created fraudulently. As mandated by USC 1681g, please remove them from my credit profile within XXXX  days. I have provided evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All of my credit history is missing on my Experian credit report. When I have attempted tp get credit, I am informed that thtere is no info pullling. When I try to contact Experian, I can not get through to resolve.

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 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: HI

Complaint narrative:
I applied and received a loan from XXXX and later learned it was a line of credit. These are for assessments on my condo to be paid. I am XXXX veteran and can not work. The amount was {$6500.00}. After paying for over 4 months around XXXX dollar payments a month and then taking a few very small lines back from them ( like XXXX or so twice ) the bill now is well over {$7000.00} dollars even though I've paid over XXXX or so dollars a month. I recently asked for a payment federal date until XXXX and did it online and it was approved. Today even though it is XXXX they deleted over XXXX dollars and the balance of the loan is over {$7000.00} XXXX today. How can this be??? Hawaii has usery interest rate laws. I am a 100 percent XXXX veteran on a retirement and unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have issues with this bank alot iam being over than XXXX  months trying fix issues never resolved my card keep blocking with error fraud detection now i travel to my family in XXXX completely never worked keep blocking need to call all times never resolved and put me in bad finicial issues

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
under law 15 U.S code 1681i and 1692g these accounts violate my rights to FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 request that the fraudulently created accounts, which I did not authorize, be removed from my credit record within XXXX  days, citing USC 1681g.

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 2025-08-04 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: CA

Complaint narrative:
After carefully reviewing my credit file, I discovered an account that I have never opened nor authorized. I have no connection with the entity listed, and the account appears to be entirely fraudulent.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-08-04 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: DISCOVER BANK
State: FL

Complaint narrative:
My problem is with discover bank! I need them to act accordingly and do their job correctly. I already talked to them and gave me such not valid excuses about holding my accountable for transactions that i did not make. Which by the way, there were 2 batches of fraudulent transactions and the first batch THAT CAME FROM THE SAME MERCHANT i was granted the disputes, because of course, the account that these payments got to has nothing to do with me but apparently the second person doing the job on the second batch did not see that. This could involve so much things. I please beg you to do their job correctly, this is so wrong in some many ways, its so incongruous. Attached theres a letter with my name, a car registration and an old statement my mom ( already divorced from my dad ) provided me from her belongings. Thank you! 

On top of the letter theres all of the amounts im being held responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
An unauthorized account is still sitting on my credit file reported by Equifax without my written instruction, which is a direct violation of 15 U.S.C. 1681b ( 2 ). No one had the right to report this without my explicit consent. The account is XXXX  XXXX XXXX. Thats not just wrongits illegal. My privacy under 15 U.S.C. 1681a ( 4 ) was flat out ignored. The reporting party had XXXX XXXX XXXX to place this on my report. There was no contract, no verification, no documentation. That breaks 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. None of that happened. No investigation, no confirmation, no due processjust sloppy, reckless reporting that ended up damaging my life. This isnt just a credit issue. Ive been denied housing, missed financial opportunities, and dealt with the emotional and financial mess that came with it. This is identity abuse. This is defamation. Ive already done my part. I submitted disputes. I followed procedure. And nothing was fixed. That tells me this isnt a mistakeits being intentionally ignored. Im demanding immediate deletion. If this isnt handled now, I will take legal action under 15 U.S.C. 1681n and 1681o. Im not asking again. Fix this or face the consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I received a credit monitoring alert to advise me that XXXX XXXX had pulled my credit ( a hard credit pull ) on XX/XX/year>, which caused my score to go down. Hard inquiries are generated when there is a new request for credit except I have NOT applied for credit with XXXX XXXX. I do have an old XXXX charge account, at a XXXX balance, that I rarely use. XXXX recently sold these accounts to XXXX  XXXX. This decision to sell my account or account information, was NOT my decision. Nonetheless, the account was sold and since then, XXXX XXXX has made an inquiry that I did not authorize. They have been unable to provide me any information. I tried to dispute this hard inquiry with the credit agencies, and unfortunately due to my hyphenated last name & a recent change of address, it's proven to be incredibly difficult to access my account online to complete the disputes successfully. TransUnion also advised that the ONLY WAY I can dispute a hard inquiry is to file a complaint with CFPB, and send a paper copy of this dispute BY MAIL XXXX exacerbating an already frustrating experience. I was able to submit a dispute with XXXX  digitally ( after hours of troubleshooting login issues ). And I am now going to TRY to dispute this with XXXX. ANY HELP CFPB can offer here with this, would be greatly appreciated.

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