vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am submitting this complaint because of inaccurate and incomplete information appearing on my credit reports with XXXX, Experian, and XXXX. The items listed below are being disputed because they are either reported inaccurately, can not be verified, or should not be reported under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts The following accounts are being reported as charged off, but I believe they contain inaccuracies and may be unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Amount : {$7000.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$480.00} These accounts may not accurately reflect the current status, balance, or ownership. Please conduct a full reinvestigation and provide verification or remove them. 

Inquiries I am disputing the following inquiries, which I did not authorize or do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify that these inquiries were authorized by me ; otherwise, remove them. 

Late Payments The following accounts are reporting late payments that I believe are inaccurate or unverified : 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Please inspect the documents ; the questions came in unannounced and may not have approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 saw that these inaccurate accounts continue to appear on my credit report, and nothing has been deleted. I am begging that the documents I attached be checked carefully because I do not want to keep living with this worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
What happened : PNC Bank placed my account into a pending charge-off status without providing me any notice, either before or after taking adverse action against my account. Despite this, PNC continued allowing me to use mobile deposit features as if my account was fully active and in good standing. 

I deposited a legitimate check through mobile deposit. PNC accepted the deposit, but after taking my check, the bank froze the funds and placed a hold, making my money completely unavailable. At no point did the bank notify me of any issue, nor did they provide any written explanation for the hold, freeze, or pending charge-off status. 

This sudden restriction has caused immediate financial harm and appears to violate several federal consumer-protection laws : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Consumer Financial Protection Act Expedited Funds Availability Act / Regulation CC, which requires timely notice of holds and proper handling of deposited funds Truth in Savings Act / Regulation DD, regarding accurate disclosure of account terms and how holds may be applied Why I believe the banks actions were improper : PNC took my deposit, froze my funds without warning, and never notified me of any problem with my account. This feels deceptive, unfair, and abusive. PNCs own systems allowed me to deposit a check even though the bank secretly flagged my account for a charge-off, and then they withheld my funds without explanation. This conduct appears to be a violation of federal banking regulations and CFPB standards.

Additional concerns : Based on my personal experience, I am concerned that the way PNC treated me may not align with how they treat customers with different backgrounds. While I can not make a legal conclusion at this time, the feeling of unequal treatment is real and concerning. 

What I want the CFPB to do : I am requesting that the CFPB investigate PNC Bank for : 1. Failing to notify me about an adverse account status 2. Improperly freezing or holding deposited funds 3. Failing to provide a legally required explanation for the hold 4. Allowing deposits to be made on an account they internally restricted 5. Potential violations of UDAAP, Regulation CC, and Regulation DD What I want from PNC : Immediate release of my deposited funds Written explanation of all actions taken on my account Correction of any improper holds or account notations Assurance that this will not happen again I am requesting full review and enforcement action if appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Would you review this entry for me? I did it late and may have messed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received an alert from XXXX  that Synchrony Bank had queried my credit and that they were issuing a store card for Amazon purchases. This was a complete surprise to me. I waited for the card to arrive to ensure it actually came to me and not someone else. XX/XX/XXXX I called the number from the card and both cancelled the account and reported that the account had been fraudulently opened. Synchrony told me it was opened on XX/XX/XXXX from a mobile device. ( Definitely not me ) They confirmed that only XXXX card had been issued, in my name and that the account is now closed. They informed me that I should receive a confirmation letter within XXXX to 10 days AND that they will contact credit reporting agencies to remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
Complaint Against GoodLeap Unfair and Abusive Enforcement of Promotional Interest I am submitting this complaint regarding GoodLeaps enforcement of retroactive interest on my loan after I paid the remaining principal only 6 days past the end of the promotional 0 % interest period. 

I paid the full principal of {$14000.00}, but GoodLeap is now charging me {$2200.00} in accrued interest, which I believe is unfair, abusive, and grossly disproportionate to the short delay. The promo period ended XX/XX/year> and my payments was posted on XX/XX/year>. Of note, when I went to pay the full remaining principal on XX/XX/year>, the balance was listed as {$12000.00}. There was no inclusion of the additional interest at that time. It was only when I went back to close the account on XX/XX/year> that I noticed the addition of the {$2200.00}. 

At the time the payment was due, I was postpartum and in a medically and physically vulnerable period. GoodLeap sent only one plain-text reminder email 1 month before the deadline with no follow-up, no emphasized warning, and no additional communication through other channels. I had every intention of paying the principal on time, and I did pay it in full as soon as I realized the date had passedjust 6 days late. 

Charging {$2200.00} for a six-day delay functions as a punitive fee, not a reasonable charge. This amount is excessive, unexpected, and not proportional to any harm to the lender. 

I believe GoodLeaps conduct meets the definition of an abusive act or practice under the Consumer Financial Protection Act. The company is taking unreasonable advantage of : my vulnerable postpartum condition, and my reasonable reliance on the lender to provide adequate, clear, and timely reminders about a significant deadline.

I am requesting CFPB assistance to have GoodLeap : 1. Remove the retroactive interest charges in full, or 2. Provide a substantially reduced and reasonable resolution, given the extreme disparity between a XXXX delay and a {$2200.00} penalty. 

I spoke with several people on the phone, escalating the issue to supervisors who opened an account review case with no resolution. I also sent over XXXX emails to various departments, escalating the case with no resolution. They simply respond that I owe the interest because it was posted 6 days after the promo period ended. I am particularly anxious to resolve this issue as the remaining balance continues to accrue interest while I dispute this charge. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am requesting Experian to reinvestigate the following accounts and inquiries. My information was compromised, and several entries show signs of reporting errors, incomplete data, or unverifiable information. 

CHARGED OFF 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 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 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 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 2025-11-24 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: VA

Complaint narrative:
I am disputing multiple inaccuracies appearing in my TransUnion file. Some accounts and inquiries do not match what is being shown by the other bureaus. Please investigate and correct all errors. 

Charged-Off Accounts ( TU ) XXXX Account # : XXXX XXXX/Reported : XX/XX/XXXX Amount : {$2500.00} Inquiries ( TU ) XXXX XXXXXXXX, XX/XX/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 2025-11-24 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: NC

Complaint narrative:
I am a consumer trying to correct inaccurate, incomplete, and unverifiable information on my credit reports. I am requesting a full investigation into the items listed below for each bureau. Please verify all reporting for accuracy and compliance with the FCRA and Metro 2 guidelines. Any item that can not be fully verified must be removed. 


Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am submitting a formal complaint regarding the continued reporting of negative items on my credit report that are inaccurate and unverifiable. Despite prior disputes and documentation provided, these items remain on my credit file, negatively impacting my credit score and financial opportunities. 

Under the Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable and request a thorough reinvestigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of all reported information. Continuing to report unverifiable or inaccurate information constitutes a violation of these legal obligations. I request the following actions be taken immediately : Conduct a complete
reinvestigation of the disputed negative items referenced in my attached letter.

Remove any items that can not be verified or are found to be inaccurate.

Provide written confirmation of the investigation results and any actions taken to correct my credit report.

Failure to correct these continuing inaccuracies may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as legal action to enforce my rights under the FCRA.

I expect urgent attention to ensure my credit report reflects only accurate, complete, and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
I am disputing multiple accounts and inquiries that appear inaccurate, duplicated, outdated, or otherwise not reported in compliance with FCRA guidelines. I request a full investigation and correction. 

Charged-Off Accounts XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : XXXXXXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance : XXXX Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-11-24 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 submitting this complaint as a consumer who is simply trying to fix and correct my credit reports. I am requesting a reinvestigation into the following items due to inaccuracies and incomplete reporting. Please review each account listed under the appropriate bureau. 

INQUIRIES UNDER DISPUTE I am disputing the following hard inquiries because I did not authorize them, nor was I aware of any permissible purpose for these companies to access my credit report : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX 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 XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me, and I am requesting removal for being inaccurate and lacking permissible purpose under the FCRA. 

LATE PAYMENT UNDER DISPUTE I am disputing the reported late payment because it is inaccurate and not supported by complete or verifiable data : XXXX XXXX XXXX Account Number : XXXX This late payment is incorrect and does not reflect my actual payment history. I am requesting a full reinvestigation 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 2025-11-24 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:
I am requesting verification for the account listed below. The information appears inconsistent or possibly inaccurate. 

CHARGED-OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$5400.00} INQUIRIES

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