vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only XXXX but also deeply XXXX given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the XXXX caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
The exposure of my personal information has been exacerbated by numerous data breaches, including the XXXX and XXXX Mortgage breaches, and more than XXXX total breaches as reported by XXXX XXXX. These incidents have left me XXXX  to identity theft and fraudulent activity, causing significant XXXX XXXX XXXX XXXX I first submitted a complaint in XX/XX/year>, which led to partial resolution. However, several items remain unresolved, and new unauthorized inquiries have since appeared. I also discovered that my XXXX XXXXbelieved to be in place since XXXX never activated. After spending XXXX minutes on hold with Experian today without assistance, I am filing this follow-up complaint to request full investigation and correction.

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I was reviewing my credit score and noticed I have a debt from a collection agency McNeil & Meyers for the amount of {$3900.00}. This is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant XXXX to my financial reputation and XXXX XXXX It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was a victim of a scam. As part of the scam, I was directed to make XXXX wire transfers from DCU to XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, New York, NY XXXX ), Routing # XXXX. 

The 2 wires were on XX/XX/year> for $ XXXX to XXXX XXXX XXXX ( Acct # XXXX ) XX/XX/year> for $ XXXX to XXXX XXXX XXXX ( Acct # XXXX ) I tried to contact XXXX Bank about the fraudulent transfers but they indicated they would only acknowledge SWIFT messages from my financial institution. I contacted DCU to request the creation and delivery of an notification to XXXXXXXX XXXX but I don't believe that DCU acknowledged or addressed my request to send out any notification. I would like XXXXXXXX XXXX  to investigate XXXX XXXX for their participation in this scam but I am uncertain as to whether they will pursue this or not.

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 2025-06-09 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: AR

Complaint narrative:
A XXXX XXXX  was initiated for the pay off of the auto loan PNC stated everything was paid in full, the auto was released being that the PNC XXXX representative said it was received in full, later the payment was reversed the truck was no longer in our procession, it was then reported a fraudulent thief police report was made and a warrant was issued for the individual of thief, a police lineup etc. Was done Sometime in which the wire transfer on the payoff on the truck was flagged PNC released our ownership of the truck to our GAP INSURANCE provider thus cancelled gap insurance. Our auto insurance provider which we had to file a stolen automobile ( long process of details ) has deamed it a total loss they paid XXXX XXXX  nearly XXXX and remaining balance is of XXXX we as the loan Holder was not made awear Of this and we did not request the cancellation of our gap insurance provider PNC BANK XXXX and it was fraudulent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Verification and Removal of Inaccurate Addresses To Whom It May Concern, My name is XXXX XXXX, and I am requesting an investigation and removal of inaccurate or outdated addresses currently listed on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), please verify the validity of the following addresses and remove any that can not be confirmed as accurate or directly linked to my identity. 

The addresses in question are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Address ID # XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Address ID XXXX XXXX Some of these entries may be duplicates, contain typographical errors, or are not related to my personal history. Please investigate each listing and remove any that can not be confirmed as directly associated with me. 

To assist in your investigation, I have included the following documents : A copy of my Passport ID A recent XXXX  Power & Light ( FPL ) bill confirming my current address Please confirm receipt of this request and notify me in writing regarding the results of your investigation. 

Thank you for your time and attention. 

Sincerely, 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Verification and Removal of Inaccurate Addresses To Whom It May Concern, My name is XXXX XXXX, and I am requesting an investigation and removal of inaccurate or outdated addresses currently listed on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), please verify the validity of the following addresses and remove any that can not be confirmed as accurate or directly linked to my identity. 

The addresses in question are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Address ID # XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Address ID XXXX XXXX Some of these entries may be duplicates, contain typographical errors, or are not related to my personal history. Please investigate each listing and remove any that can not be confirmed as directly associated with me. 

To assist in your investigation, I have included the following documents : A copy of my Passport ID A recent XXXX  Power & Light ( FPL ) bill confirming my current address Please confirm receipt of this request and notify me in writing regarding the results of your investigation. 

Thank you for your time and attention. 

Sincerely, 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 2025-06-09 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: IL

Complaint narrative:
Since early XXXX, I have submitted multiple disputes to Experian concerning inaccurate late payments reported for XXXX and XX/XX/XXXX on a credit card account XXXX, from XXXX XXXX XXXX XXXX. Despite my formal letters and supporting documentation, Experian responded each time with Remains and failed to provide any evidence to justify the derogatory marks. 
Experian did not supply billing statements, payment ledgers, proof that I was ever notified of delinquency, or a breakdown of their verification method. I specifically requested this documentation and information about whether they verified the account through XXXX XXXX or direct contact with the furnisher. They failed to disclose any of this. 

This conduct violates several sections of the Fair Credit Reporting Act ( FCRA ), including : XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a lawful and reasonable reinvestigation XXXX ( a ) ( XXXX ) ( A ) Reporting inaccurate and unverified information XXXX ( b ) Failure to ensure maximum possible accuracy XXXX ( a ) ( XXXX ) ( A ) Obligation to delete unverifiable information In addition, these actions violate the Consumer Financial Protection Act XXXX ( unfair and deceptive practices ) and TILA XXXX ( b ) ( failure to provide substantiating documentation for credit obligations ). 

I also filed an official complaint with the FTC ( Report # XXXX ) regarding these same issues. Experians continued failure to provide documentation or properly address the dispute suggests they relied on automated systems ( like e-OSCAR ) rather than legally required direct verification. 

I respectfully ask the CFPB to intervene and require Experian to fully comply with federal law by deleting the unverifiable late payments from my credit report and disclosing the method they used to verify this data.

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 2025-06-09 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: MI

Complaint narrative:
There are multiple inaccuracies on my credit report that I would like you to investigate and please remove as quickly as possible XXXX {$11000.00} I have no knowledge of this account. I never applied for this account. I have no proof of this, but I think it could've been my brother who lives in Alaska, but this is not my account. Please remove from my credit report. Please ask the bank to zero it out and take my name off of it. This was open fraudulently without my permission. 

XXXX XXXX, {$9800.00} I was an authorized user on this account, but the card was stolen and used fraudulently. We never figured out who used it. I don't know exactly what the bank decided between them in the primary, but I'm just the authorized user and the account is closed and it's not my account please remove it from my credit report If the account is closed, I'm not an authorized user anymore. It shouldn't be listed on my Report XXXX has four individual hard inquiries well considering that they wan na account that is showing up on my credit report is fraudulent and not mine. Clearly those four inquiries are fraudulent and not mine. I would ask that you removed The banks for inquiries, I contacted the bank. They informed me that they agree that these were fraudulent transactions if they're disputed and sent to them, they will agree to remove them, but it's ultimately up to the credit reporting agencies to remove them. I guess, but those inquiry shouldn't be on there I never applied for one of their cards everI just want those four inquiries removed from the bank. I think it's for. 

XXXX XXXX XXXX XXXX {$1500.00}. That card was stolen and was used fraudulently capital one knows this all of my XXXX XXXXXXXX credit cards were stolen with my bag along with my phone my wallet my ID now XXXX XXXX did zero out all the other accounts and I appreciate that, but they also punished me for being a victim of a crime and closed all of my accounts, but whatever but this {$1500.00} doesn't belong to me. They need to investigate this and remove it All of my credit cards were stolen they know this my phone. Everything was stolen. I did not make these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
There are multiple inaccuracies on my credit report that I would like you to investigate and please remove as quickly as possible XXXX {$11000.00} I have no knowledge of this account. I never applied for this account. I have no proof of this, but I think it could've been my brother who lives in Alaska, but this is not my account. Please remove from my credit report. Please ask the bank to zero it out and take my name off of it. This was open fraudulently without my permission. 

XXXX XXXX, {$9800.00} I was an authorized user on this account, but the card was stolen and used fraudulently. We never figured out who used it. I don't know exactly what the bank decided between them in the primary, but I'm just the authorized user and the account is closed and it's not my account please remove it from my credit report If the account is closed, I'm not an authorized user anymore. It shouldn't be listed on my Report XXXX has four individual hard inquiries well considering that they wan na account that is showing up on my credit report is fraudulent and not mine. Clearly those four inquiries are fraudulent and not mine. I would ask that you removed The banks for inquiries, I contacted the bank. They informed me that they agree that these were fraudulent transactions if they're disputed and sent to them, they will agree to remove them, but it's ultimately up to the credit reporting agencies to remove them. I guess, but those inquiry shouldn't be on there I never applied for one of their cards everI just want those four inquiries removed from the bank. I think it's for. 

XXXX XXXX XXXX XXXX {$1500.00}. That card was stolen and was used fraudulently capital one knows this all of my XXXX XXXXXXXX credit cards were stolen with my bag along with my phone my wallet my ID now XXXX XXXX did zero out all the other accounts and I appreciate that, but they also punished me for being a victim of a crime and closed all of my accounts, but whatever but this {$1500.00} doesn't belong to me. They need to investigate this and remove it All of my credit cards were stolen they know this my phone. Everything was stolen. I did not make these transactions.

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 2025-06-09 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
I went to XXXX XXXX for a broken finger. I left my credit card on file for any fees after that day. I received a notice from debt collector.

Company response to consumer: Closed with explanation