vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: PR

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Re : Account Number : XXXX ( High Yield Savings ) 1, The PNC bank branch located on XXXX XXXX XXXX, XXXX TX XXXX outright refused to give me the money {$40000.00} from my High Yield Saving account of balance of {$51000.00} at the time with no holds, no fraud flags, and no contractual limits when I went to the branch on XX/XX/XXXX. The reason the teller ( XXXX or XXXX ) told me : they need to order and customers need to inform them a couple of days in advance, and they ( PNC ) would charge me a fee if they gave me a bank cash check. PNC violated basic banking law. 
XXXX, I requested to close my account under this specific circumstances in which I could not get my money I needed on that day if I did not close the account. 
XXXX, The teller ( XXXX or XXXX ) had not informed me and did not disclose that PNC would forfeit my accrued interest if I closed my account before the last day of a month on which interest is credited when I was requesting to close my account under the circumstance PNC wont give me my money on that day, XXXX, The PNC staff, who helped me in opening account, did not disclose to me that PNC would forfeit my accrued interest if I closed my account before the last day of a month on which interest is credited when I went to and opened my high yield savings account at the Beechnut brank located on XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX in the second half of XXXX. 
XXXX, I went to the PNC bank branch located on XXXX XXXX XXXX, XXXX TX XXXX in the afternoon of XX/XX/XXXX this passed Friday, talked to XXXX XXXX, rep of PNC regarding the issues of refusal of giving my money and " forfeiture of interest. '' XXXX XXXX did not present any evidence that I was informed these issues. 
XXXX I received a bizarre letter from XXXX dated on XX/XX/XXXX stating the transfer you scheduled to occur on XX/XX/XXXX has been rejected The reasons why I called it bizarre because a ) I have never made any request of scheduled transfer on XX/XX/XXXX ( although there was an auto transfer to pay my PNC credit card ; b ) I had not used my PNC credit card since XX/XX/XXXX, there is no balance needed to be transferred and paid ; c ) XXXX XXXX could not explain to me what this bizarre letter is about. 

Mainly 2 issues A : Denies my right to access to my money in my account ( they would charge fees if PNC gave me a cash check while I did not ask, I was OK if no fee ) B PNC did not inform the consumers when they would forfeit the interest earned by consumers. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this correspondence to formally dispute several XXXX XXXX XXXX accounts that are being reported inaccurately on my credit file. Despite my diligent efforts to maintain accurate records and timely payments, the accounts listed below contain late payment notations and ambiguous closure statuses that misrepresent my financial history. These errors are inconsistent with my verified payment records and constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 

The accounts in question include : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid {$150.00} to XXXX XXXX XXXX  on XX/XX/XXXX. The order was supposed to be delivered on Wednesday, Friday, and Monday consecutively, but only Wednesdays delivery arrived, and the food was spoiled. I contacted XXXX XXXX XXXX  requesting a refund, but they refused. I submitted a claim with Wells Fargo to get my money back. Wells Fargo denied my claim, stating XXXX was responsible, but I believe Wells Fargo should have processed or escalated the claim properly, as the transaction was through my Wells Fargo account.

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Collection Entry ( FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 ) To Whom It May Concern : This letter is a formal dispute of a collection account appearing on my credit report. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



The inaccurate account is listed as : Collection Agency/Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$12000.00} Date Reported : XX/XX/year> LEGAL BASIS FOR DISPUTE Under FCRA 607 ( b ), credit reporting agencies must assure maximum possible accuracy.

Under FCRA 611 ( a ), I am requesting a reinvestigation of this account.

Under FCRA 609 ( a ), I am requesting all documentation you used to verify this account.

I dispute this account on the basis that the information reported is inaccurate. I request complete documentation proving liability and accuracy.

REQUESTS UNDER FEDERAL LAW I am requesting that you : 1. Conduct a full reinvestigation of this account as required by FCRA 611 ( a ) ; 2. Provide me copies of all original documentation bearing my signature proving liability, as required under FCRA 609 ( a ) ; 3. Delete the account if it can not be verified, per FCRA 611 ( a ) ( 5 ) ; 4. Notify all other credit bureaus of any corrections or deletions, per FCRA 611 ( d ).

FAILURE TO COMPLY If you can not provide complete, verifiable evidence that this account is accurate, you must delete it.

Failure to comply with your obligations under federal law may result in : A complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to my states Attorney General Civil action under FCRA 616617 and FDCPA 813814 I expect written confirmation of the investigation results within 30 days, as required by FCRA 611 ( a ).

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 2025-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Collection Entry ( FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 ) To Whom It May Concern : This letter is a formal dispute of a collection account appearing on my credit report. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



The inaccurate account is listed as : Collection Agency/Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$12000.00} Date Reported : XX/XX/year> LEGAL BASIS FOR DISPUTE Under FCRA 607 ( b ), credit reporting agencies must assure maximum possible accuracy.

Under FCRA 611 ( a ), I am requesting a reinvestigation of this account.

Under FCRA 609 ( a ), I am requesting all documentation you used to verify this account.

I dispute this account on the basis that the information reported is inaccurate. I request complete documentation proving liability and accuracy.

REQUESTS UNDER FEDERAL LAW I am requesting that you : 1. Conduct a full reinvestigation of this account as required by FCRA 611 ( a ) ; 2. Provide me copies of all original documentation bearing my signature proving liability, as required under FCRA 609 ( a ) ; 3. Delete the account if it can not be verified, per FCRA 611 ( a ) ( 5 ) ; 4. Notify all other credit bureaus of any corrections or deletions, per FCRA 611 ( d ).

FAILURE TO COMPLY If you can not provide complete, verifiable evidence that this account is accurate, you must delete it.

Failure to comply with your obligations under federal law may result in : A complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to my states Attorney General Civil action under FCRA 616617 and FDCPA 813814 I expect written confirmation of the investigation results within 30 days, as required by FCRA 611 ( a ).

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 2025-11-14 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and illegally re-aged information for my XXXX XXXX XXXX XXXX credit card accounts. The reporting includes : Illegal on record until dates extending to XXXX Missing or inconsistent Date of First Delinquency ( XXXX  ) Conflicting statuses ( charged off and closed at consumers request ) Past-due amounts reported years after account closure Updates showing activity long after the account was inactive Different information on each bureau Payment data appearing after charge-off Violations of FCRA 1681c ( a ), 1681e ( b ), and 1681i I disputed the information directly with the credit bureau, but the bureau continues to report inaccurate, contradictory, and unverifiable information. They failed to conduct a reasonable reinvestigation as required under the FCRA. 

I am requesting CFPB assistance to have these inaccurate XXXX XXXX accounts permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and illegally re-aged information for my XXXX XXXX XXXX XXXX credit card accounts. The reporting includes : Illegal on record until dates extending to XXXX Missing or inconsistent Date of First Delinquency ( XXXX  ) Conflicting statuses ( charged off and closed at consumers request ) Past-due amounts reported years after account closure Updates showing activity long after the account was inactive Different information on each bureau Payment data appearing after charge-off Violations of FCRA 1681c ( a ), 1681e ( b ), and 1681i I disputed the information directly with the credit bureau, but the bureau continues to report inaccurate, contradictory, and unverifiable information. They failed to conduct a reasonable reinvestigation as required under the FCRA. 

I am requesting CFPB assistance to have these inaccurate XXXX XXXX accounts permanently deleted 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 2025-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, but the bureau did not provide the necessary verification, supporting documentation, or proof that the reported information was confirmed by the original furnishers. Without this, I can not confirm the accuracy of the information being reported, which violates my rights under federal 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 2025-11-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> {$42000.00} XXXX XXXX XXXX XX/XX/year> {$33000.00} XXXX XXXX XX/XX/year> {$32000.00} Fifth Third Bank XX/XX/year> {$27000.00} XXXX XXXX XXXX XX/XX/year> {$23000.00} I have contacted the companies and recieved no replies and I have filed for FTC Report and the reference number is XXXX My personal information was used without my permission to open or manage any of the accounts listed. I did not authorize any of these accounts nor any related activity. I am a victim of identity theft and request that all of these accounts and all negative information connected to it be removed from my credit report immediately. Please investigate this matter and confirm the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This complaint is valid and requires urgent action. My credit report features inaccuracies that do not uphold the highest accuracy standards. These mistakes are inflicting profound, persistent damage on my life. I require a comprehensive investigation and the immediate correction or deletion of all errors. Addressing this is imperative, not optional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting to formally submit a second-round dispute regarding several accounts appearing on my Equifax, TransUnion and Experian credit report that continue to be inaccurately reported. Upon reviewing my file in detail, I noticed discrepancies in both late open accounts and accounts marked as Collection or Charge-off, which do not accurately reflect my payment history or account status. These inaccuracies are negatively affecting my credit profile and misrepresent my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} Furthermore, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of these late payments and incorrect account statuses clearly fails to meet this standard and creates a misleading impression of my credit history.

Additionally, Under 12 C.F.R. XXXX and XXXX ( Regulation V ), Equifax, TransUnion and Experian is required to notify the furnishers of the disputed accounts, confirm their reinvestigation, and ensure that all information is accurate, complete, and verifiable. Any errors found must be corrected or updated to maintain compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint because my credit report contains late payment entries that resulted from billing errors, as defined under the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ). The creditor failed to properly apply payments, made accounting/computation errors, and did not provide a billing statement at least 21 days before the due date. Under 1666 ( b ) ( 4 ) and ( 5 ), these constitute billing errors and can not lawfully result in late payment reporting.

Despite my dispute, neither the credit reporting agency nor the furnisher has provided any verifiable documentation proving that a valid missed payment occurred. The continued reporting of these late payments is inaccurate, incomplete, and harmful to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to MERCEDES BENZ FINANCIAL dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MERCEDES BENZ FINANCIAL has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since MERCEDES BENZ FINANCIAL did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure MERCEDES BENZ FINANCIALs immediate compliance with FCRA requirements. 

MERCEDES BENZ FINANCIAL XXXX, MERCEDES BENZ FINANCIAL XXXX

Company response to consumer: Closed with explanation