vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
Dear Sir/Madam, I am writing to dispute multiple items that are inaccurately reported on my credit report. These items appear on my credit report with [ insert credit bureau ] and I am requesting a review and correction of the information, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed items for each bureau : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Hello, I went to PNC branch in XXXX, California and i was informed that there is a business account bonus going on at the moment if i opened a checking account and deposited {$30000.00} in the account in the first 30 days and maintained the amount for 60 days, i would received {$1000.00} bonus. 
The branch manager helped me opening the account and applied the coupon himself and within 5 days, i was able to deposit all the fund in my account. 

After the 60 days period i reached out to the branch to inquire about the bonus and i found out there was a mistake on their end that the branch manager didn't applied the bonus correctly and the whole bonus request was denied. 

I don't think it is my fault for that and i still need my bonus money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 respectfully request that Experian review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX. XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-09 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report regarding the following accounts. I believe these items to be incorrect, and I respectfully request a review and correction in compliance with the Fair Credit Reporting Act. If any information can not be verified, I request that it be removed from my credit report. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$19000.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS EQUIFAX ( EQ ) XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am writing to dispute a collection account reported on XX/XX/year>XXXX  by National Recovery Agency. On XX/XX/year>, I contacted National Recovery Agency to obtain information regarding this alleged debt. During that call, I was informed that no written notice had been sent to me. I called again on XX/XX/year>, and spoke with a representative named XXXX, who stated that the agency could not verify my address and instead relies on sending text messages instructing the debtor to call before providing anything in writing. I do not click on or respond to text messages due to spam r Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code Chapter 41 Subchapter V-Debt Collection Practices, and 15 U.S. Code 1692G-Validation of Debts, debt collectors are required to provide consumers with a written validation notice within five days of their initial communication. This notice must be sent before reporting the debt to the credit bureaus. To date, I have not received any written validation or documentation regarding this alleged debt. 
I respectfully request that this collection account be removed from my credit report due to the agencys failure to comply with FDCPA requirements. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TN

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 



I am submitting this complaint as a consumer who is attempting to correct inaccurate or inconsistent credit reporting that is negatively affecting my credit profile. The information listed below reflects multiple discrepancies between the three major credit bureaus Experian ( EX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). 

I have made previous attempts to dispute these items directly with the bureaus, but the issues remain unresolved or inaccurately reported. I am requesting a full reinvestigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, which requires credit reporting agencies to report accurate and verifiable information only.

Experian ( EX ) Dispute Statement Personal / Previous Address Discrepancies : The following address appears incorrectly or is outdated and should be removed or updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN XXXX Correct addresses should reflect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX TN XXXX Charged-Off Accounts in Dispute : I am disputing the accuracy, completeness, and reporting of the following accounts, which either list incorrect balances, statuses, or duplicate entries across bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either reporting incorrect balances, duplicate listings, or outdated charge-off statuses. I request that Experian verify each items accuracy and remove or correct any unverifiable or inconsistent data.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding an unresolved and financially damaging issue involving my Square account. Despite numerous attempts to resolve this matter through Squares support channels, I have not received a satisfactory response or resolution. On XX/XX/year>, a disbursement of {$600.00} was expected to be transferred to my bank account. Square informed me that funds were being held for a standard 90-day review period. That period has now passed, yet the funds have still not been released or returned. Square has provided no clear explanation, confirmation, or timeline regarding the status of my money. This situation has caused a significant hardship, as I was relying on those funds for necessary car repairs, which has ultimately affected my ability to maintain employment. At this point, I believe I have been subjected to unfair and possibly deceptive business practices, resulting in a loss of {$600.00}. I respectfully request the Consumer Financial Protection Bureaus assistance in investigating this matter and compelling Square to release my funds or provide an appropriate remedy. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I had automatic payments set up with XXXX XXXX  for my vehicle loan, scheduled through XXXX XXXX. During XXXX XXXX  major system outage, my automatic payment did not process due to no fault of my own. XXXX XXXX never notified me of the outage, system failure, or potential data breach ; I only learned about these issues through social media. 
Despite my efforts to explain that the missed payment was caused by XXXX XXXX  system failure, XXXX XXXX  repossessed my vehicle. I was not offered any assistance, hardship program, or review of the situation, even though the missed payment was outside my control. 
Losing my vehicle caused me to lose my job because I had no transportation. This, in turn, caused me to fall behind on rent and led to eviction. I had to relocate under financial stress and am still struggling to find employment because I lack reliable transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I cancelled my auto insurance with XXXX on XX/XX/XXXX. I never received an invoice or anything else in regards to owing anything. This morning ( XX/XX/XXXXXXXX  ) I receive a text from a debt company- for evidently four days if insurance i owed. I logged into the account and see it was cancelled on the XXXX and per their notes on XX/XX/XXXX they sent me two letters advising i was delinquent but i never received anything from XXXX  other than my refund checks for my homeowner 's insurance that was also cancelled. It has been 54 days since cancellation and they have never called, emailed, or mailed me anything. Per the collection company, this was sent to them on XX/XX/XXXX The amount that is owed is slightly off from the math i run on the breakdown of the monthly cost/ how many months are in the year. 
At the end of the day, to not even attempt to reach me- i didn't get the letter dated for XX/XX/XXXX - but even if i did, there isn't enough time on XXXX, to turn me into collections. 
I tried to reach out to XXXX, they told me to call a specific number for their department that handles this, it wasn't a department of XXXX  it's the collection company. 
The debt has now been paid directly to XXXX  but i would like to have it addressed that i was never notified and turned into collections in an unreasonable amount of time. 
I have also requested a debt validation as well, when i am online there is nothing to show a breakdown or piece together the amount that is advised I owe. If there were days owed after the date of cancellation i don't dispute that- but i do dispute how this is being handled and turning someone into collections so quickly. 
The two documents online both dates for XX/XX/XXXX do not have anything regarding this going to collections, how to dispute, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 submitting this statement in connection with my FTC Identity Theft Report and pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft caused by exposure in multiple data breaches, including TransUnion, Equifax, and other existing breaches. Fraudulent accounts and unauthorized credit inquiries have been wrongfully placed on my consumer credit file. These items are not mine and must be blocked and permanently deleted without delay, verification, or investigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Authority for Immediate Blocking and Deletion : FCRA 604 [ 15 U.S.C. 1681b ] Consumer reports may only be furnished with a permissible purpose. Unauthorized inquiries are unlawful.

FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] Prohibits reporting bankruptcies older than 10 years and other obsolete adverse information.

FCRA 605B [ 15 U.S.C. 1681c-2 ] Mandates blocking of identity theft-related information within 4 business days of receiving proof of identity theft. Agencies are prohibited from verifying or investigating once documentation is provided.

FCRA 611 [ 15 U.S.C. 1681i ] Requires blocking disputed identity theft data from appearing in the consumers file.

FCRA 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] Prohibits furnishers from reporting information they know or should know is the result of identity theft.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-09 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: FL

Complaint narrative:
Forwarded all appropriate information to XXXX to remove from Trans Union Report. No help given. Called CFPB whom stated to do three complaints to each credit bureau. 
Information about closed account for XXXX is over XXXX XXXX XXXX. Please remove from my Trans Union report. Sent a Cease and Desist for illegally Re-Aging/Statute of Limitations Violations. Was told Trans Union must remove information as per 15 U.S.C & 1681 c ( a ) ( 4 ) of the Fair Credit Reporting Act .. ( FCRA ) Thank You for all your help!!!!

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