vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am submitting this complaint because multiple inaccurate and outdated addresses continue to appear on my credit report, despite my repeated disputes and providing valid proof of my current residence. 

The credit bureaus are still associating closed and/or charged-off accounts with my former address. I submitted a formal dispute along with government-issued ID and supporting documentation that clearly shows my current address. I am submitting a valid government-issued ID along with proof of my current residence as shown on my auto insurance policy. My drivers license is in the process of being updated. 
The companies failed to remove the old address and did not provide a valid method of verification or any documentation proving that the former address is still relevant or accurate under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I disputed three accounts reported under my old address : A charged-off account from XXXX reported with a balance of {$14000.00} A closed and paid XXXX XXXX ( XXXX  ) account that still shows negative payment history A utility charge-off from XXXX XXXX for {$370.00} I requested the deletion of these accounts and the old address from my credit file under FCRA Section 602 ( A ) and 1681i, citing that the accounts are obsolete, unverifiable, and continue to report misleading or outdated information that does not reflect my current creditworthiness. 

Despite providing sufficient evidence and requesting the method of verification, the companies failed to act within the 30-day dispute window as required by law. As a result, I am now requesting the CFPBs assistance in enforcing compliance and ensuring these outdated addresses and associated accounts are permanently removed.

This issue is affecting my ability to secure housing, employment, and financial stability. I am prepared to pursue further legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance if not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am submitting this complaint because multiple inaccurate and outdated addresses continue to appear on my credit report, despite my repeated disputes and providing valid proof of my current residence. 

The credit bureaus are still associating closed and/or charged-off accounts with my former address. I submitted a formal dispute along with government-issued ID and supporting documentation that clearly shows my current address. I am submitting a valid government-issued ID along with proof of my current residence as shown on my auto insurance policy. My drivers license is in the process of being updated. 
The companies failed to remove the old address and did not provide a valid method of verification or any documentation proving that the former address is still relevant or accurate under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I disputed three accounts reported under my old address : A charged-off account from XXXX reported with a balance of {$14000.00} A closed and paid XXXX XXXX ( XXXX  ) account that still shows negative payment history A utility charge-off from XXXX XXXX for {$370.00} I requested the deletion of these accounts and the old address from my credit file under FCRA Section 602 ( A ) and 1681i, citing that the accounts are obsolete, unverifiable, and continue to report misleading or outdated information that does not reflect my current creditworthiness. 

Despite providing sufficient evidence and requesting the method of verification, the companies failed to act within the 30-day dispute window as required by law. As a result, I am now requesting the CFPBs assistance in enforcing compliance and ensuring these outdated addresses and associated accounts are permanently removed.

This issue is affecting my ability to secure housing, employment, and financial stability. I am prepared to pursue further legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance if not resolved.

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 2025-06-14 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-14 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account that is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the accounts : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I pulled a copy of my TransUnion consumer report and noticed an item reporting inaccurate on my credit file that is reporting accurate on XXXX  & XXXX  so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

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 2025-06-14 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 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 identity theft. 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: MD

Complaint narrative:
Payment history is being reported incorrectly inferring that there have been recent payments made on the account which makes it appear that it went into default recently instead of 12 years ago which would make the debt to old to still report on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called the credit bureau to get an update on my request for fraudulent and unauthorized activity on my account. I sent 5 separate letters separately with my identification to eliminate any excuses. Unfortunately, I have not heard back and it's over 30 days. 

I called 6 times and spoke with a supervisor to verify documents were received, which she confirmed. However, she couldn't explain why account has not been updated correctly. I proceeded to show her many violations and codes, but she replied " Its not my job to know the US code, that's our legal department ''. 

To this point - I've confirmed with the courts and attorney office that this public record should be removed as it is not accurate and false. I requested Experian to tell me method of verification and were they aware my rights are being violated, specifically 15.U.S.C 1681s-2 ( b0 1692e and possibly 18U.S.C 1341,1343

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This account was charged off on the following date of XX/XX/XXXX. As of XX/XX/XXXXXXXX  the account has passed the NY state statute of limitations in where the account was opened. Since then the account has repeatedly been updated as opened account on my XXXX  report. This is an update in payment history. A charged ff account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. The creditor failed to investigate this properly when originally disputed and never provided a copy of a signed contract. This negligence has violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
List of accounts below has violatebd my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 
and according to 15 USC 1681s-2 they are supposed to 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 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 2025-06-14 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: GA

Complaint narrative:
List of accounts below has violatebd my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 
and according to 15 USC 1681s-2 they are supposed to 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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank abruptly closed my checking account on XX/XX/XXXX with no notice or explanation. I went to the branch the next day ( XX/XX/XXXX ) and spoke with XXXX XXXX XXXX XXXX. She speculated it might be due to low activity but admitted she didnt know. She opened a new checking account that day and said my online banking would be restored immediately once documents were submitted but that never happened. 

Then, to make this situation even worse, PNC later closed the new account that XXXX opened again, without telling me why. So now Ive had two accounts closed, with zero explanation and no due process.

I still havent received the promised closure letter. Online access remains blocked. Customer service has been a joke repeatedly telling me to call the branch, while the branch says they cant do anything. No one takes ownership, and no one follows up. Ive wasted hours getting passed around like a problem no one wants to deal with.

To top it off, PNC closed both of my secured credit cards, despite the fact that I made payments on both just before the closures. These were fully funded by my own deposits, in good standing, and they shut them down without any warning, any notice, or any refund yet.

This has been a nasty experience with a bank that clearly doesnt care about customers. PNCs handling of this situation has been negligent, opaque, and completely disrespectful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
24 unauthorized purchases were made on my debit card on the same day ( XX/XX/XXXX ). I reported the fraudulent charges to USAA as soon as I noticed them ( XX/XX/XXXX ). They issued a temporary credit against the charges while they conducted an investigation. On XX/XX/XXXX they stated that 7 of the 24 transactions ( all made on the same day from the same vendor ) were fraudulent and the temporary credit issued would be made permanent. However on XX/XX/XXXX I received another notice that the remaining 16 transactions were not determined to be fraudulent, and so the temporary credit for those transactions would be reversed. I have now asked, via phone call, 4 times, for them to send me the supporting evidence that I am entitled to according to the numerous letters I've received with the transaction information. " You have a right to request information or documents we used to make our determination. To request a copy call us at XXXX ( XXXX ), '' I have called this listed number 4 separate times and spoken twice with representatives from the fraud department, and twice my call has been escalated to member services. Nobody will tell me over the phone what the evidence is that they used to determine that 16 of the 24 transactions were, in their opinion, not fraudulent. I have also requested the evidence be provided to me digitally ( for instance via my USAA account documents ) and as of today, XX/XX/XXXX, a day after the 4th request, I still have not received any of the documents and instead their team just keeps sending me the same letters over and over again that mention the temporary credits, etc. but nothing outlining how the fraud/ not fraud determination was made. 
The attached document is the same document I've received the last 4 times I've requested the evidence they used to determine fraud/ not fraud.

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 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
Toyota Financial Services refuses to properly apply payments and they have over charged me interest several times. 

We made a payment of {$500.00} on XX/XX/XXXX and they are only showing that we paid {$420.00} We made a payment of {$500.00} on XX/XX/XXXX and they are only showing that we paid {$420.00} We made a payment of {$500.00} on XX/XX/XXXX and they are only showing that we paid {$420.00} We usually pay around {$30.00} per month in interest and it goes down each month as we reduce the principal. 

On XX/XX/XXXX they charged {$48.00} in Interest On XX/XX/XXXX they charged {$48.00} in Interest On another document they show we were charged {$24.00} in interest In XX/XX/XXXX they charged XXXX {$72.00} in interest Toyota has told us they would have the problems corrected in a few days and a month later they have failed to correct they vast array of mistakes We filed this complaint originally under XXXX XXXXXXXX XXXX  account with cfpb and Toyota Financial refused to respond.

I am tired of the incompentence of the people at Toytoa Financial and tired of them stealing my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CO

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable information that is on my credit report. I disputed multiple times with credit bureaus and it keeps coming back updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint. They never sent verification of the debts, the original contracts bearing my signature, or explanation of the amount and how it was calculated.

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