vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ 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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding my XXXX XXXX account XXXX XXXX. I am requesting a goodwill adjustment for negative reporting that occurred during a very difficult period in my life. 

At the time I fell behind, my father had recently passed away, and I was going through XXXX and emotional distress. In addition, my work hours were significantly reduced, which caused financial hardship and made it difficult to stay current on my payments. It was never my intention to fall behind, but the combination of personal loss and reduced income made it very challenging. 

Since that time, Ive made every effort to recover and rebuild. My financial situation has stabilized, and Im working hard to maintain good credit and stay on track. I truly value my relationship with XXXX XXXX and hope they will consider removing or adjusting the negative marks as a goodwill gesture to help me continue improving my credit.

Im asking the CFPB to review this matter and ensure XXXX XXXX gives fair consideration to my goodwill request given the documented hardships I experienced.

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 2025-10-28 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX 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 2025-10-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX  SSN ( last 4 digits ) : XXXX Date : [ XXXX ] Credit Bureau Name Address City, State, ZIP Code Re : Dispute of Inaccurate Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my credit report. Below are the details of the accounts in question : Creditor Name : XXXX XXXX XXXX  Account Number : Not disclosed Reported Late Payment : 120-day late Creditor Name : XXXX  XXXX Account Number : Not disclosed Reported Late Payment : XXXX late Creditor Name : XXXX XXXX XXXX XXXX Account Number : Not disclosed Reported Late Payment : 30-60-day late I have reviewed my records and believe these late payments have been reported in error. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and removal of the inaccurate late-payment entries from my credit report. 

Please provide written confirmation once your investigation is complete and the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am submitting this complaint because RentDebt Automated Collections is attempting to collect and/or report a rental debt that is invalid under Alabama law and federal consumer protection laws. I am a XXXX XXXX XXXX XXXXXXXX, and my departure from the rental property located at XXXX XXXX apartments was directly related to safety concerns and abuse. Under Ala. Code 35-9A-141 and 35-9A-201 ( f ) of the Alabama Uniform Residential Landlord and Tenant Act ( URLTA ), tenants who are XXXX XXXX XXXX XXXXXXXX are legally permitted to terminate a lease early without penalty or financial liability when proper notice and documentation are provided. Despite these protections, RentDebt continues to pursue or report this alleged debt, which is unlawful retaliation and an attempt to collect a debt that is not valid. This has caused me ongoing financial and emotional hardship, especially as a survivor attempting to recover stability and safety. Additionally, this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False, deceptive, or misleading representation of a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1681s-2 ( a ) Reporting information known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is a continuation of the prior complaint I had submitted. Initially they locked up my account and refused to send my balance. After CFPB got involved they did refund my balance partially and didnt give me back my full balance. On XX/XX/XXXX I deposited additional funds to the account before they locked up my account. They did not give me back this fund even though I have receipts and email confirmations that they received these funds. When I inquired about it they said they reversed the deposit to XXXX ( XXXX is where I initially deposited the funds ). 

Therefore, I am filing this complaint regarding ongoing issues with my American Express Serve account and the handling of my XX/XX/XXXX deposits. 

Details : On XX/XX/XXXX, I loaded a total of {$1100.00} onto my Serve card. When I contacted Serve customer service, the representative informed me that some of the amounts had been reversed and sent back to XXXX. However, I received a call from XXXX today, and they stated that Amex XXXX confirmed no reversal occurred and that all transactions had posted successfully. 

This information directly contradicts what I was told by the American Express Serve representative. I have made multiple attempts to resolve this matter by phone, email, and mail, but I have not received a consistent or satisfactory response. Additionally, I have been unable to obtain copies of my account statements, despite submitting a formal request by mail as instructed. 

They have been anything but transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. A payment arrangement was made with this company and fully paid and loan was forgiven .This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from PNC Bank, informing of suspicious activity related to a check withdrawn for {$4900.00}. On XX/XX/XXXX, I went to PNC bank to report the fraudulent activity and informed that there were another XXXX fraudulent checks in my name. One was placed XX/XX/XXXX for {$2500.00} and the other on XX/XX/XXXX for {$3500.00}. Total amount of money stolen was {$10000.00}. On XX/XX/XXXX, the {$4900.00} fraudulent check was flagged and the money returned to my account, but it is unclear whether the thief received money. {$6000.00} is still needing to be returned. 
On XX/XX/XXXX, I filed a police report ( Case No. XXXX ) with the XXXX XXXX XXXX XXXX XXXX XXXX. An identity theft report was placed with the Federal Trade Commission on XX/XX/XXXX. 
On XX/XX/XXXX I returned to PNC bank regarding any updates on fraud case. I was told a letter was sent by bank on XX/XX/XXXX, but I informed that I did not receive it and requested a new print out. The letter was titled as " Check claim denial untimely '' and stated as " resolved '' by XXXX XXXX, XXXX XXXX XXXX XXXX. The letter states refusal to recover money stolen due to failure to " discover and report the alleged unauthorized transaction within applicable time period ''. 
Under Texas Business and Commerce Code Sec. 4.406, the customer has one year to discover and report unauthorized transaction.

In summary, three fraudulent checks were cashed in using my name ( I did not authorize these transactions, I did not write these checks, and I did not consent to the withdrawal of funds from my bank account to these individuals ). PNC bank refuses to return my stolen funds. PNC bank has failed in protecting my financial integrity by accepting fraudulent checks, failure to investigate checks ( there were several errors on fraudulent checks that would indicate I did not write them ), and performing unauthorized withdrawals from bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I requested a rollover of XXXX percent of my annuity with XXXX into my XXXX XXXX XXXX Account. XXXX has deducted the money from my annuity and it has not been deposited into my XXXX XXXX Account, XXXX has given me the run around and the money is still unaccounted for. The amount to be rolled into my XX/XX/XXXXaccount is more than XXXX dollars. 
I have been dealing with this for 3 months now. After XXXX failed attempts to have the money transferred to my XXXX   account I was assured by XXXX a XXXX representative that the money had been transferred into my XXXX  account. Which is a lie. They sent a check without the dentures required by XX/XX/XXXXso it could not be deposited into my XXXX  account. This is the XXXX th time they have failed to do as I have requested. XXXX said she was going to tell your organization that the matter has been resolved and that will be the end of it. I need help here. Its my money and they are not fulfilling their fiduciary duty to manage my money. Please do not close this investigation until the money is deposited into my XXXX  account. I can provide with any documents you need and XXXX  can confirm that XXXX has improperly submitted the check on several occasions after being provided the necessary information on what they need to process it. Please help me with this. I need XXXX to properly account for my funds and to rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
i have reviewed my credit report and found unverified items.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I have checking account with Citibank, my account has been closed/blocked without any formal notices. I tried going in the bank ( XX/XX/year> ) and also talking to customer hotline ( XX/XX/year> ) but they couldnt provide me any reason of account closure. As per them it will take XXXX days before we will receive the reason and the balance of the account. 

I have only bank account which is Citibank. I have no other bank accounts and been with this institution for over XXXX  years. I am currently under workers compensation due to an incident from work and can hardly walk. My payroll and insurance, my bills and mortgage is connected to that account. its just been tough for me to make actions because of my current situation. 

I am asking for your assistance to get this resolved. And if possible to get Citibank liable for this caused inconvenience. Let me know if you need to connect with me for this.

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 2025-10-28 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: NY

Complaint narrative:
My loan servicer XXXX reported XXXX separate delinquent accounts to the credit reporting agencies but in practice, the company has a single umbrella account for me that I make payments toward. 

I made a mistake believing that I was enrolled in auto-pay with the company but I was not. As a result, my account became delinquent. I immediately brought my account up to date and fixed the auto-pay issue. I contacted XXXX first to request a good will adjustment of my accounts ' status to the credit reporting agencies and they refused. I requested that they consolidate the XXXX accounts into XXXX for credit reporting purposes and they refused. 

I believe it is inaccurate, unjust, and overly punitive to report the delinquency XXXX times. My XXXX XXXX dropped XXXX points from high XXXX to mid XXXX in response to these duplicate reports. I otherwise am gainfully employed, have ( until this report ) near perfect credit, and I have no trouble whatsoever in affording my loan payments. 

XXXX is not only inaccurately reporting my account status in a way that inflicts maximum damage to my credit, but they also are demonstrating a lack of good will in response to my immediate good faith actions to correct the problem.

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