vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Dear CFPB, I am filing this new complaint regarding my loan application with PNC Bank for {$35000.00}, which was denied. I have already filed a previous complaint ( Case # XXXX ) with the CFPB, but PNC 's response did not adequately address the concerns or answer the questions I raised. 

In particular : Failure to Provide a Non-Discriminatory Reason for Loan Denial : PNC simply cited my credit score as the reason for the loan denial, but this explanation is insufficient and fails to address my broader concerns. I believe the denial was arbitrary and unfair, especially considering that credit scores should not be the sole factor in determining creditworthiness. I request that PNC provide a complete and valid explanation, in line with the Equal Credit Opportunity Act ( ECOA ), regarding why my loan application was denied. 
Violation of My Right to Contract : As a legal adult and fully competent individual, I have the right to enter into financial agreements. The denial of my loan and the failure to properly consider my overall financial situation constitute a violation of my right to contract.

Failure to Address the Federal Reserve Act ( Section 16 ) : PNC has not responded to my concerns regarding the Federal Reserve Act, Section 16, which governs the issuance of credit. Under this section, the issuance of credit, including money created through my financial resources, is under the purview of the Board of XXXXernors of the Federal Reserve. PNC, as a financial institution, does not have the authority to arbitrarily deny me access to credit when the Board of Governors has not restricted my access. I request clarification from PNC regarding how their actions align with the Federal Reserve Act. 
Misuse of My Application : PNC Bank has also not addressed my concern regarding the possible misuse of my application as collateral or for other unauthorized purposes. As I did not receive any benefit or loan from the process, I am entitled to confirmation that my application has not been improperly used. 
Given that PNC has failed to address these critical points in my original complaint ( Case # XXXX ), I am seeking your assistance in reopening this matter. I request that PNC provide a full, non-discriminatory explanation for the denial, reconsider my application based on a fair and thorough review of my overall financial situation, and ensure that all actions taken with regard to my application comply with federal consumer protection laws, including ECOA and the Federal Reserve Act.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-03-13 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: KY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: KY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: GA

Complaint narrative:
I have tried repeatedly to have this account closed with Kovo I have reported to the XXXX as well as disputed with credit bureaus.. This company is supposed to help build your credit. But I have asked repeatedly to discontinue and they are repeatedly placing this on my credit and will not close or delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against TransUnion for an unexplained and drastic drop of XXXX points in my credit score on XX/XX/XXXX. This significant decrease occurred suddenly, despite no changes to my credit file such as missed payments, new accounts, or increased debt. I have reviewed my credit report, and there are no legitimate factors that would justify such a large drop, resultant with a zero ( XXXX ) XXXX XXXX. 

In addition, there has been a XXXX point drop followed by a XXXX point increase ; which fluctuated back-and-forth from XX/XX/XXXX through XX/XX/XXXX. There are no legitimate factors that justifies such a large consecutive months ' score drop. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. I request that the CFPB investigate this issue and require TransUnion to provide an explanation for the score drop and correct any inaccuracies in my credit file. 



Thank you for your attention to this matter.

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 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
Hello CFPB, My insurance got renewed this year and new premium amount is XXXX USD. From my escrow account, it shows XXXX USD was paid to insurance as a check. Check number is XXXX. While XXXX  ( insurance company ) confirmed they only received XXXX USD. So I still owe them {$2.00}. 

I contacted insurance first and they confirmed the amount they received is XXXX USD and they said lender could check with them directly about the amount. And then I contacted UWM live chat agent, they wanted me to call UWM directly. I called UWM, they said they would provide response to my message ( I leave them a secured message one day earlier ), however, till now, I haven't received any response from my lender. 

There must be something wrong with the process. I don't think I should still pay {$2.00} while it shows paid amount of {$1000.00} in my escrow portal. UWM is not helping me to resolve this issue. I am writing to ask for help from CFPB to monitor them to fix it. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with TransUnion 's response. They failed to properly investigate my dispute regarding the XXXX XXXX XXXX  Acct # : XXXX Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion verified the account without adequately reviewing my supporting evidence.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) TransUnion did not disclose how the account was verified or who confirmed its accuracy.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The account remains on my report despite inaccuracies and lack of verification. 

Requested Action : I request that CFPB take further action against TransUnion for failing to comply with the FCRA. I demand that TransUnion : Delete the XXXX XXXX XXXX XXXX account from my credit report. 
Provide the exact method of verification used. 
Be investigated for non-compliance with federal law. 

If the CFPB does not intervene, I am prepared to escalate this to the FTC and take legal action under 15 U.S.C. 1681n for willful non-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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with TransUnion 's response. They failed to properly investigate my dispute regarding the XXXX XXXX XXXX  Acct # : XXXX Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion verified the account without adequately reviewing my supporting evidence.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) TransUnion did not disclose how the account was verified or who confirmed its accuracy.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The account remains on my report despite inaccuracies and lack of verification. 

Requested Action : I request that CFPB take further action against TransUnion for failing to comply with the FCRA. I demand that TransUnion : Delete the XXXX XXXX XXXX XXXX account from my credit report. 
Provide the exact method of verification used. 
Be investigated for non-compliance with federal law. 

If the CFPB does not intervene, I am prepared to escalate this to the FTC and take legal action under 15 U.S.C. 1681n for willful non-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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian has not answered any of my dispute letters or they keep rescheduling them for 30 more days. I have been disputing since XX/XX/year>. I havent received any correspondence from them at all. Attached are just a handful of disputes that I have sent to Experian.

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 2025-03-13 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: NCB Management Services Inc.
State: TX

Complaint narrative:
Inaccurate information reported to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: EdFinancial Services
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear [ Loan Servicer 's Name or Department ], I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history. 

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to unauthorized release of education records This violation affected my loan, such as an fraudulent use of your records. In accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping or data misuse.2.A correction or deletion of any inaccurately reported loan amounts or disbursements.3. Written confirmation of the findings of this review within 30 days of receipt of this letter.If this matter is not resolved, I am prepared to escalate my complaint to the U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ). My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Please confirm receipt of this request and provide guidance on the next steps. You may contact me at XXXX or XXXX for further discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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