vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX XXXX XXXX  to help expedite this situation, reports are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to my provided address. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I booked a property through XXXX based on a listing that appeared clean, modern, and well-maintained. Upon arrival, I was shocked to find the actual condition of the property was nothing like the photosthere was visible mold, broken fixtures, and the overall environment was unsanitary and unacceptable. I informed the person on-site that I would not be staying and needed a moment to book alternative accommodations. I immediately left the keys behind and checked into a hotel. 

I contacted XXXX and explained the situation in full. They conducted an initial investigation and issued a refund. However, the property owner falsely claimed I had stayed at the property, and based on that statement, XXXX reversed the refund. I then submitted a fraud claim through PNC Bank, which temporarily credited my account while investigating. Unfortunately, PNC later informed me that XXXX had confirmed their belief that I stayed, and they reversed the credit. 

This is not only inaccurate but incredibly frustrating, as I never stayed a single night at the property. Moreover, I have since discovered that this property owner continues to use similar deceptive tacticsposting polished, misleading photos, removing the listings after bookings, and providing false information during disputes. I even received a taunting message from the host, including an image of his luxury car, which felt like blatant mockery of the situation. 

As a consumer, I feel trapped between XXXX large entitiesXXXX and my bankeach deferring to the word of a host who is actively misleading guests. I am now out nearly {$2000.00} for a property I never used, and the host continues these practices without accountability. This situation has left me with serious concerns about the integrity of XXXX verification process and the protection available to consumers in cases of fraudulent listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I WILL SUBMIT THE WHOLE COMPLAINT WITH FTC, ABD THE ANSWER OF THE COLLECTION COMPANY THATS STATES THEY DONT HAVE ANY RECORD OF THAT DEBT ON THEIR RECORDS

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 2025-06-01 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: OH

Complaint narrative:
I am filing a complaint regarding an account listed on my credit report as XXXX, opened on XX/XX/XXXX, with a reported balance of {$3100.00} and a monthly payment of {$750.00}. 

This account contains multiple discrepancies : 1. It is reported as Current, but also shows a past due amount of {$1000.00}, and is marked derogatory, which is contradictory. 
XXXX. The payment history shows several months in XXXX and early XXXX as Unknown or late, even though I made multiple payments during that time. Specifically, XXXX, XXXX, XXXX, and XX/XX/XXXX show as current, but the months before and after are either missing or inaccurately reported. 
XXXX. The last payment date is listed as XX/XX/XXXX, yet the account still reports a past due amount with no clear explanation. 

I believe these inconsistencies are negatively affecting my credit and may not be in compliance with the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting.

I contacted the credit bureau and attempted to dispute the account directly, but the errors remain. I am now requesting that the CFPB assist in investigating this matter and that XXXX provide documentation to support their reporting. If the information can not be fully verified and corrected, I request that it be removed 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im requesting the removal of late fees from my Capital One XXXX card account. I went through a period of financial hardship and missed a few payments. I explained my situation to Capital One and asked for a goodwill adjustment to remove the late fees. I am now financially stable and making payments on time.

Instead of helping directly, Capital One only submitted a dispute to the credit bureau, which does not address my actual request. I was told their system does not allow removal of late fees, even though Ive shown effort to rebuild my credit.

Im asking for assistance in having the late fees removed from my credit history as a goodwill courtesy so I can move forward and recover fully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am disputing the accuracy of a tradeline reported by XXXX XXXX  ( Account Number : XXXX ), a joint unsecured account with my spouse, XXXX XXXX, opened on XX/XX/XXXX. The account is reported as charged off with a balance of {$34000.00} written off, yet it is simultaneously listed as past due as of XX/XX/XXXX. This dual reporting is misleading and appears inconsistent with the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report information that is accurate and not materially misleading. Additionally, no IRS Form 1099-C has been issued to me, which raises concerns under IRS Regulation 1.6050P regarding the cancellation of debt. I respectfully request that the CFPB investigate this matter, require XXXX XXXX  to validate the accuracy and legal basis of the reporting, and ensure full compliance with FCRA and Metro 2 credit reporting standards. If the account can not be properly validated, it should be corrected or removed 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 2025-06-01 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a tradeline reported by XXXX XXXX ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is reported as charged off with a written-off balance of {$6000.00}, but is simultaneously listed as past due in the full amount as of XX/XX/XXXX. This is misleading and inconsistent with the Fair Credit Reporting Act ( FCRA ), as a charge-off represents a final accounting action and should not also reflect an actively delinquent balance unless supported by ongoing collection efforts. Additionally, no IRS Form 1099-C has been issued to me for the cancellation of this debt, which may constitute a violation of IRS Regulation 1.6050P. I respectfully request the CFPB to investigate this account, verify the legal basis for this dual reporting, and ensure XXXX  XXXX is in compliance with the FCRA, IRS requirements, and Metro 2 credit reporting guidelines. If validation can not be provided, I request the tradeline be corrected or removed.

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 2025-06-01 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.

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is XXXX my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is 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 explanation
Consumer complaint received 2025-06-01 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: VW Credit
State: TX

Complaint narrative:
I included my XXXX Volkswagen Atlas in a Chapter XXXX bankruptcy, which was XXXX in XX/XX/XXXX. The vehicle was surrendered and I have made repeated attempts since then to return it to Volkswagen Credit with phone calls including a recorded call on XX/XX/XXXX where their own representatives stated they have abandoned the vehicle, that it is not worth recovering and will not come pick it up but also will not give that to me in writing. 
Despite being informed and given access, VW Credit has refused to repossess the vehicle for about XXXX months. However, they are also refusing to release the lien, which leaves me unable to legally transfer, move, junk, or register the vehicle. I am not facing a military relocation within the month and we can not abandon the vehicle on military housing or my husband ( the service member ) risks disciplinary action, housing penalties and fines. We do not have the title and VW credit refused to assist or respond in writing. They want me to pay the full balance of the loan for a lien release since they wont pick up the vehicle for a non functional car that isnt even valued at XXXX as it has raccoon damage, hail damage and more leaving it completely non operational at the moment and weve already paid so much money into the car over the course of more than XXXX years paying almost XXXX a month. ( Nearly XXXX or more paid to it ). Which is why we had decided to include it into bankruptcy. I have this all been stated on a recorded call that they will not release the lien or come retrieve the vehicle. After talking to a legal team this appears to be a bad faith lien retention and an attempt to hold the vehicle XXXX without a path to resolution- despite my bankruptcy discharge and legal right to a fresh start. As this is now also going to become a financial burden to us. I am requesting the VW credit be required to either recover the vehicle, provide a written statement of their failure to act and that they have abandoned the vehicle or release the lien so we can move without having to retain an attorney and this impact our finances any longer. As a military family we dont have a say when we move most of the time and it is unfair to have to deal with this during an already stressful time. I am requesting a prompt and fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm 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 explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WAS NEVER LATE! MY HUSBAND AND I WENT ROUNDS AND ROUNDS BACK AND FORTH WITH THE BRANCH XXXX XXXX XXXX AND THE CORPORATE HEADQUARTERS CUSTOMER SERVICE DIVISION ( WHICH ARE CLAIMED TO BE SEPARATE WITHIN THE COMPANY AND ONE CAN NOT SEE THE OTHERS NOTES NOR HAVE THE ABILITY TO CORRECT OR INFLUENCE EACH OTHER WITHIN THE SAME COMPANY... MAKES NO SENSE IN THIS MODERN ERA ). IN EITHER CASE NEITHER BRANCH NOR THE CUSTOMER SERVICE DIVISION COULD FIX THE ISSUE AND STATED IT'S BEST TO TAKE IT UP WITH THE 3 CREDIT BUREAUS TO FIX " MISTAKE ''. BOTTOM LINE IS THE LATE PAYMENT SHOWING IN XX/XX/XXXX IS FALSE. I have included in my packet of information to support the claim that Late Payment showing on my Consumer Credit Bureaus : Equifax, Transunion, and Experian is FALSE! I wrote a detailed explanation via email to the Branch XXXX XXXX Location in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) where I live, on XX/XX/XXXX. My " deep concern and somewhat angst '' over the " late payment '' on the XXXX Mortgage XXXXine of Credit that showed XX/XX/XXXX payment as being late, was NOT due to the fact that we did not have the money. As you will see as proof in the STATEMENTS from Checking and Savings for both XXXX ( my husband ) and myself, we as the owners of this loan, had PLENTY of money to cover the note. In fact, there has NEVER been an issue. The issue was lack of communication with the bank branch level when we were supposed to be connected to overdraft or auto pull from savings and peripheral accounts where our additional monies are held outside of the LOAN ACCT for payments. Also in early XXXX of XXXX, on a separate visit my husband XXXX and I went into the local XXXX branch and spoke to an employee and specifically asked if we could check the levels on our accounts to make sure there was plenty to cover the XXXX Mortgage Payment account ending XXXX, and we were told Yes, more than enough! So then all of the sudden the money is there in my checking account ending in XXXX and then also XXXX ending in XXXX. Additionally, we have NEVER been late since the inception of the XXXX Mortgage XXXX, and when you look at XXXX and my personal credit reports, we have NEVER missed any payments to any creditor or obligations we hold in XXXX years! We are asking respectfully to remove these late marks from both mine and XXXX consumer credit reports at all XXXX ( XXXX ) credit bureaus : Experian, Equifax, and Transunion. PLEASE SEE ALL DOCUMENTS PROVIDED TO SUPPORT THIS CLAIM. Thank you!, 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