vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MD

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXXXXXX XXXX XXXX {$3800.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
XXXX XXXX dollars took from me a that raises high concerns for me a the fact that ther was nothing anyone could do! This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$17000.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$5200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$14000.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$2600.00}

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I was attempting to purchase a car from XXXX XXXX XXXX in the amount of {$5000.00}. I went to PNC bank and purchased the cashier check from my account. I then came back to PNC and notified the PNC Banker that I wanted to return the cashiers check because the car was purchase already by someone else .. the banker then told me to make the deposit at the atm because the tellers were in a meeting. I asked if I needed to sign the back or put not for intended use before for I deposited the cashiers check back into my account and he said no just place check in atm and it will go in to my account the next day .. the check didnt deposit and I received an email stating that it couldnt be processed because the payee wasnt the account holder and that a legal copy of check will be mailed to me. Once I received the legal copy I went to the same branch I drew the cashiers check from and deposited into my account. I withdrew the available funds and proceeded with my day .. the very next day I received notice that my account was overdrawn {$5000.00} for check being returned. I have been calling constantly and requesting an investigation be performed in regards to this issue and no one has helped me and has told me I need to take legal matter to retrieve the {$5000.00} from XXXX XXXX XXXX XXXX XXXX given me the original cashiers check back with no endorsement on back. I continue to tell the customer service that something isnt right and that they need to look further into this matter! I followed all steps they told me and now I am - {$5000.00} because of this. Can you all please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
This complaint concerns two accounts on my credit report that contain clear inaccuracies and are not meeting the standard of maximum possible accuracy. These errors have materially harmed my credit, hindered my financial stability, and caused ongoing emotional and financial strain. I need clarification on why these two accounts are being reported in this manner, who furnished the information, and what documentation supports their reporting.

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 2025-10-06 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Chime numerous of times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs finding indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit file. I am requesting an investigation into these accounts, and if they can not be confirmed as accurate, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

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 ] Account Number : [ XXXXXXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-10-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute an account listed on my credit report as a charge-off from Jefferson Capital Systems LLC , referencing XXXX XXXX XXXX as the original creditor.

I have never signed or entered into any agreement with Jefferson Capital Systems LLC, nor have I authorized them to open, report, or collect any account on my behalf. This reporting appears inaccurate and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an account listed on my credit report as a charge-off from XXXX XXXX XXXX XXXX XXXX referencing XXXX XXXX XXXX as the original creditor.

I have never signed or entered into any agreement with XXXX XXXX XXXX XXXX, nor have I authorized them to open, report, or collect any account on my behalf. This reporting appears inaccurate and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
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 : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ ] Account Number : [ ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX I was charged a {$50.00} annual fee for my PNC HELOC. Two weeks later I was notified that my account was blocked because my credit score had dropped. I requested a refund of my annual fee since I thought my account was closed. During all my discussions I was never told that my account was not closed but blocked. My request was denied because they said I could have refuted it. Why would I refute it since it was true my credit score was lowered. Now IXXXX XX/XX/XXXX they said they needed a copy of my homeowners insurance. I emailed them that they didn't need it because I didn't have a loan with PNC any longer ( still thinking my account was closed by PNC. I received another email and a letter. I then called to tell them that I wasn't sending my insurance because I no longer had a HELOC with them. I was then told my account was blocked and not closed. 8 went to my local PNC branch to close the account. I received a few more letters requesting my insurance and saying PNC would purchase insurance. I received another letter ( dated XX/XX/XXXX ) the first week of XXXX. I called PNC loan department and was hung up on 3 times. Eventually I connected and was told that my account was not closed. The local branch called and asked me to come in again to close the HELOC. I did that on XX/XX/XXXX. Again I asked for the {$50.00} fee back. How can I be charged a fee for an account I can't access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
XXXX XXXX XXXX has inaccurately reported a late payment on my credit report. My account has been on autopay, and payments were processed automatically each month. However, XXXX later stated that one autopay payment was insufficient to meet the minimum payment due, even though I was never notified in advance that the autopay amount would no longer cover the minimum. 

I relied on XXXX autopay system in good faith to ensure timely payments. I received no alerts, notices, or communications indicating that a shortfall would cause a delinquency to be reported. Despite providing proof of active autopay and consistent payment history, XXXX has refused to correct the late payment or update the credit bureaus. 

I believe this constitutes an unfair and inaccurate credit reporting practice under the Fair Credit Reporting Act ( FCRA ). I am requesting that XXXX correct this error, remove the late payment from my credit report, and confirm that my account is current and accurately reported. 

Autopay active since XX/XX/XXXX payment in question occurred XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-10-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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