vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
XXXX XXXX XXXX XXXX

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: FL

Complaint narrative:
I am writing to formally follow up complaint on a previous dispute concerning inaccurate and unauthorized items listed on my credit report. Despite my earlier request, I have not received sufficient validation of the alleged debt in question Based on my review, I have reason to believe that the reported balance may be incorrect and that the item may have been reported without proper authorization or documentation. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I opened a PNC XXXX XXXX Savings Account through Senior Banker at the local PNC branch, in early XXXX, XXXX. The Senior Banker confirmed to me in writing ( XX/XX/XXXX and XX/XX/year> ) that my account would receive a 3.5 % promotional APY, variable and compounded daily. I explicitly accepted this rate, and based on that confirmation, I made the following deposits : XX/XX/year> : {$5000.00} XX/XX/year> : {$30000.00} XX/XX/year> : {$15000.00} XX/XX/year> : {$130000.00} Despite these significant deposits and a written agreement confirming the rate, the bank only paid {$6.00} in interest for the entire month of XXXX. Based on a 3.5 % APY compounded daily, my account should have earned approximately {$520.00} in interest by the end of XXXX. 

Upon discovering this discrepancy, I contacted the Senior Banker on XX/XX/year>, who acknowledged in writing that the promotional rate had not been applied. He apologized and assured me that the matter would be escalated and resolved within 48 hours. 

Since then, I have : - Sent follow-up emails on XX/XX/XXXX and XX/XX/XXXX. 
- Visited the branch in person. 
- Received verbal confirmation from the branch manager that the 3.5 % APY would be applied for XX/XX/XXXX to XX/XX/XXXX, and that the missing interest for XXXX was under review. 
- Summarized our meeting in writing and submitted it to the branch manager for acknowledgment, to which I received no correction or confirmation. 
- Visit the Branch Manager again on the date before when he promised it to be resolved, and founf that it was still unknown if it was going to be resolved and the foreseable time. On that meeting, the branch manager said that what we have discussed previously and that was submitted in email for traceability purposes and for him to correct if it was discrepancies, was not correct and that my account will keep no generating the 3.5 interest rates agreed, even when the problem has been identified, until this situation is resolved. 

As of XX/XX/year>, no resolution has been provided : The retroactive interest for XXXX has not been applied. No 3.6 % rates are been generating. 

No formal confirmation of the agreed APY has been issued. 

My account continues not to generate any interest. 

This situation has resulted in a documented financial loss of over {$1000.00}. Despite multiple attempts to resolve the matter directly with PNC via email and in-person visits, I have not received a clear or timely response. I am therefore submitting this complaint to request that : PNC Bank honor the originally agreed 3.5 % APY, Apply the correct interest retroactively to the full period, and Compensate for the loss incurred due to the failure to apply the agreed terms.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been locked out of my Experian account since around mid-XXXX XXXX. My password stopped working, and I attempted to reset it using the correct phone number and email address previously associated with my account. Initially, the system accepted my credentials and prompted me to receive a verification code via phone, but no call or text ever arrived. After multiple attempts, the system began stating that my phone number no longer matches their records, despite no changes on my end. 

I have tried calling Experians support lines ( including XXXX and XXXX ) on several occasions, but I have only been able to interact with automated menus, with no way to reach a human representative. I also submitted online help requests, but received no response. 

This situation has been ongoing for over two months and has had a serious impact on my financial life. I have been unable to check my credit, apply for a car loan, or verify whether my information has been compromised. I am requesting that Experian assign a live agent to help me verify my identity and restore access to my account. I also request confirmation of whether any unauthorized changes were made to my contact information.

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: FL

Complaint narrative:
I am submitting a formal follow-up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal follow-up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Between XX/XX/XXXXXXXX  through XX/XX/XXXX, my personal and financial data were exposed in at least eight confirmed data breaches that have been published on the dark web and indexed by DataBreach.com. These breaches involve major entities such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and unknown data brokers. My exposed information includes Social Security Number, home address, email, phone number, credit accounts, and household profileall of which are linked to my financial and credit profile. 

In XX/XX/XXXX, I obtained updated credit reports from XXXX, XXXX, and XXXX. I noticed multiple closed accounts still reporting, duplicate accounts, incorrect balances, and delinquency markers that are likely tied to identity misuse or inaccurate reporting stemming from those breaches. I filed disputes with each credit bureau and submitted identity verification, yet many of these accounts remain uncorrected. I also filed disputes to remove outdated addresses and employer data, with no final resolution to date. 

These breaches and the inaccurate or outdated reporting practices are damaging my credit score and financial stability. As of my latest report dated XX/XX/XXXX, my TransUnion XXXX is XXXX, and over {$120000.00} in balances are reflected, despite many accounts being closed or disputed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Per 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ). This determination aligns with the qualifications for blocking adverse credit information as outlined in 12 C.F.R. 1022.142 ( refer to the attached rule for details ). XXXX XXXX is a committed organization dedicated to advocating for the rights and well-being of individuals impacted by XXXX XXXX including cases involving debt bondage.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the unauthorized information. Attached are a list of the disputed items and a copy of my Identity Theft Report filed with the FTC.

Please investigate and confirm in writing once the corrections are made. Thank you for your prompt attention.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXXXXXX 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 2025-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
We were told back several years ago about a debt for XXXX XXXX that was turned over to collection. We were confused because we had received refunds from XXXX XXXX for overpayments made to our accounts. I sent several emails to Pro Com to get information and trying to set up a payment plan and told them I have difficulty hearing and could not do business over the phone. Unfortunately, this was done through a XXXX account I had that somehow stopped working and I was never able to restore my email history. We never heard anything from the company as a result of the emails and assumed XXXX XXXX had resolved the issue and reported the debt paid. 

Fast forward to XX/XX/XXXX, we began the process of refinancing our home and the title people in underwriting found a court case against us by Pro Com. They contacted Pro Coms legal counsel at XXXX ( XXXX XXXX who called them back on XX/XX/XXXX and told them that our {$4200.00} debt had increased to {$7600.00} and that we had been served papers and they had a judgement against our property. We were told by the mortgage company that we wouldnt be able to refinance without clearing the {$7600.00} judgement. I got in contact with the XXXX XXXX XXXX XXXX office on XX/XX/XXXX, communicating with XXXX XXXX, XXXX XXXX Assistant Manager. She stated there was no proof of service, no hearing, and no judgement or lien on our property. Their records indicated it was Continued for proof of service on XX/XX/XXXX. I also attempted to view the Pro Com website on XX/XX/XXXX and found a balance of {$4200.00}, but would not let me make any type of payments. Once again, on that same day I attempted to contact them from my XXXX account but have yet to hear back from them. I was unable to refinance with cash out to cover this debt due to their claim of a judgement and increasing the balance from just over {$4200.00} to just over {$7600.00} with no explanation, and now Im unable to pay the full amount of this debt. This has been a nightmare for my husband and I, and even after continued efforts to resolve this issue over the years, they continue to ignore my emailed requests for a payment plan or a resolution that would work with both parties. Even more disturbing is the fact that the debt increased by over {$2000.00} with no explanation as to why and the company and their legal department made false claims to our mortgage company regarding a judgement/lien that never existed. We would like answers as to why Pro Com provided false information that greatly affected our financial wellbeing. We are meeting with legal counsel this week on this situation but would like this settled outside of a courtroom if possible. It is our intention to file claims with the Federal Trade Commission and the States Attorney Generals office as well, as these activities by Pro Com are a clear violation. 

Thank you for your assistance.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously filed a complaint against XXXX  XXXX for violations of the Fair Credit Reporting Act ( FCRA ). This account ( XXXX ) was charged-off over 5 years ago and has had no activity since. This account began updating the account randomly on XX/XX/XXXX as a NEW DELINQUENCY this account has been removed from my TransUnion, XXXX  & XXXX  in XX/XX/XXXX yet this inaccurate information has re-reported to TransUnion causing my credit score to drop XXXX points on XX/XX/XXXX. XXXX XXXX suppressed this account from TransUnion on or around, then re-reported it as if it were a brand-new derogatory mark, re-aging the debt and misrepresenting its true status. This has caused me severe financial harm and directly impacted my ability to secure housing. The mental anguish of attempting to move away from an abusive situation and being denied due to this FALSE information is life threatening. Ive called both XXXX  XXXX and TransUnion and there has been no relief for the anguish caused.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
XXXX XXXX, account opened XX/XX/year>, with a balance of {$9400.00} reported as of XX/XX/year>. Despite my dispute, XXXX  marked this account as " updated '' rather than removing it or validating its legitimacy. No verification documents were provided. Also, XXXX XXXX {$9400.00} collection account ( opened XX/XX/year> ) Servicing Solutions {$9500.00} charged off and sold, now showing as duplicate under XXXX XXXX XXXX XXXX XXXX  {$14000.00} balance with repeated past due notations, no supporting documentation

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: WA

Complaint narrative:
I was involved in the XXXX  and XXXX XXXX Data Breach and I don't recognize the accounts listed below XXXXXXXX XXXX XXXX XXXX XXXXXXXX REFERENCE # XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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