vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
As a loyal PNC customer since the XXXX, I have consistently demonstrated my financial responsibility and trustworthiness. In XXXX, I took out a {$20000.00} loan, which I diligently paid off ahead of schedule, showcasing my commitment to meeting my obligations. However, when I recently faced the urgent need to replace my home 's A/C unit, I was shocked and dismayed to find that PNC turned down my modest {$13000.00} loan requestnot once, but twice, even after I pleaded for a review of their decision. 

With an impressive credit rating of XXXX, the refusal of this loan is utterly baffling and defies all logic. I have reached out to XXXX XXXX and the branch manager in a desperate attempt to understand this injustice, but my calls for help have been met with deafening silence. PNC, a bank Ive trusted for decades, has let me down when I needed them most. I deserve answers, and more importantly, I deserve the support and consideration that my long-standing loyalty and impeccable financial history have earned. This isnt just a loan XXXX a betrayal of trust, and I implore PNC to reconsider their stance and do right by a devoted customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want the overpayment of {$9.00} back in my checking account with Regions and I want the auto transfers from account to account by regions bank to stop. 

On the XXXX of XXXX a {$200.00} fee was auto transferred from my regions checking account to my regions credit card without my knowledge or consent. 

My ongoing request to regions was to get a bill and due date with the amount owed monthly on my credit card and pay it myself. It was due on the XXXX according to regions internet page, I called to do that on the XXXX and saw what regions transferred the money already days before the due date. 

I have written, gone to the local bank, and TC to get them to stop, but they persist and now are taking out more money than I owe and on an earlier date without telling me. 

Regions went ahead and transferred the amount ( {$200.00} ) unknown to me and against my wishes earlier than the due date and for {$9.00} more than the amount owed ( {$190.00} ). 

I have not signed anything for them to do this and tried everything to have them stop.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION
State: TN

Complaint narrative:
Im keeping my account at a low balance on purpose to invest in the stock market. I was switching everything over to make sure no charges went to my checking account. They had charged me a couple of overdraft fees but I thought it was just XXXX charge. This past weekend I had several go through at once. Over the span of XX/XX/year> alone I had XXXX overdraft fees XXXX of which happening from XXXX weekends charge. When I noticed the problem I tried to get in touch with them and said I didnt know those payments were going through. They said sorry and they couldnt help refund them. They didnt let me know that I could opt out and completely avoid these charges by blocking payments! They also didnt let me know that several charges could go through and each one is an individual overdraft fee. 
I asked them to refund all of my overdraft fees or I would switch banks and they declined saying they couldnt. I then asked them to close my account and they also couldnt do that because of the fees. I asked them about the {$5.00} cap on overdraft fees and they ignored it.

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 2025-03-25 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: IN

Complaint narrative:
You are in violation of XXXX XXXX XXXX ( XXXX ) ( B ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this 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
Consumer complaint received 2025-03-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I went online and wrote a letter to Trans Union and Equifax to inform them that the inquiries on my credit report do not belong to me. It was obtained fraudulently and they need to be removed. There was 174 soft inquiries 40 hard inquiries and the two bureaus refuse to remove them now I sent them information that they requested copy your drivers license copy utility bill and it has still not removed the unauthorized fraudulent inquiries.

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 2025-03-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I went online and wrote a letter to Trans Union and Equifax to inform them that the inquiries on my credit report do not belong to me. It was obtained fraudulently and they need to be removed. There was 174 soft inquiries 40 hard inquiries and the two bureaus refuse to remove them now I sent them information that they requested copy your drivers license copy utility bill and it has still not removed the unauthorized fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Im trying to appeal # XXXX # XXXX I stated to them my card was stolen/lost I have XXXX  so I could easily forget what happen but what I do know happen was my card & pin was use because my PIN IS WRITTEN ON THE BACK OF STICKY NOTE attach to the card. So someone could easily gain access. I also sent them a email.

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 2025-03-25 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: CA

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 2025-03-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Violation of 15 U.S.C. 1666 and FCRA Violations To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful reporting of AmeriFinancial Solutions on my credit report. This account appears multiple times ( 6-7 times ) under different entries, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) under 15 U.S.C. 1666. 

I have no knowledge of this alleged debt and never authorized or agreed to any such account. Your reporting of this information has damaged my credit and constitutes willful non-compliance with federal law. Under the FCRA, you are legally required to report only accurate and verifiable information. This duplicate reporting is a clear case of misrepresentation and reckless disregard for consumer rights. 

Furthermore, your failure to properly investigate and correct this error is a direct violation of : 15 U.S.C. 1666 ( Fair Credit Billing Act ) Protects consumers from billing errors and misrepresentations.

15 U.S.C. 1681e ( b ) ( FCRA ) Requires credit bureaus to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( FCRA ) Prohibits furnishers from reporting inaccurate information.

15 U.S.C. 1681n & 1681o Holds credit bureaus liable for willful or negligent non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 


Please remove the following items from my credit report, immediately : Equifax : XXXXXXXX XXXX XXXX  {$0.00} Account info. 

Account XXXX XXXX Open/in good standing Date opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Experian : XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Transunion : XXXX {$0.00} Reported XX/XX/XXXX closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I disputed a charge of {$960.00} on my credit card on XX/XX/year> because I thought that was a duplicate payment and Bank of America credit card company refunded the amount back to me. However, on XX/XX/year>, I called the credit card company to withdrew the dispute because it wasnt a duplicate payment so the credit card company took the {$960.00} back on XX/XX/year>. I assumed the money would be sent back to the merchant right away. After XXXX week I called the credit card company to follow up and they told me it would take about XXXX weeks to return the money to the merchant. They didnt tell me that when I withdrew the dispute. If I knew I would never withdrew the dispute. XXXX weeks later the merchant still hadnt received their money. I followed up again with the credit card company and now i was told it would take up to 45 days to return the money to the merchant. The merchant started to charge me interest and late fees so I went ahead and paid the merchant. I called the credit card company and told them i had to pay the merchant because i didnt want to incurred more fees from the merchant. Ive asked the credit card company to return to money back to my account. I have been calling the credit card company every week for the last XXXX weeks but they still havent returned the money back to me. I just talked to them again today and I was told the money hasnt been sent back to me or to the merchant. The credit card company has been sitting on my money for the last XXXX weeks.

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 2025-03-25 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: AZ

Complaint narrative:
The XXXX XXXX XXXX account that is being reported on my credit report was deleted on XX/XX/year> after submitting a dispute. The account then reappeared, also on XX/XX/year> with a balance updated notification. The initial deletion of the XXXX XXXX XXXX account should stand per FCRA laws. It should be IMMEDIATELY AND PERMANENTLY BE DELETED 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Their is a hard inquiry reporting on my TransUnion credit report from XXXX XXXX dated XX/XX/year> that I did not authorize I contacted TransUnion and received no help I was told to mail in proof I informed the representative that I had already didnt everything required of me and the incorrect unauthorized unverified hard inquiry is still 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