vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Issue : PNC falsely denied my {$400.00} business checking promotional bonus after I met all requirements, maintained the required balance for the full promotional period, and received confirmation from PNC representatives that I qualified. The denial was later issued by an executivelevel representative without explanation and contradicts the documented facts. What Happened : I opened a PNC Business Checking account during a promotional period offering a {$400.00} bonus for maintaining a {$2000.00} balance for 3 months. I opened this account solely because of the promotional offer. At the same time, I also opened a personal checking account with a similar promotional bonus, and PNC did honor the {$400.00} personal bonus. This demonstrates that I followed all instructions and understood the promotional requirements. Timeline & Factual Details : I opened the business checking account within the promotional window. I maintained the required {$2000.00} balance for the full 3month promotional period, which is confirmed on my bank statements. Multiple PNC representatives reviewed my account and confirmed that I qualified for the business bonus. After the promotional period ended, I received a denial from : XXXX XXXX XXXX, XXXX Client Relations XXXX Sr. PNC Bank XXXX XXXX She stated that I did not qualify, but did not reference any specific promotional terms or provide any factual basis for the denial. Her denial directly contradicts the information provided by PNC representatives who previously confirmed my qualification. I closed the account after the promotional period ended, not before, and only after PNC refused to explain the denial. The denial appears inconsistent, unsupported, and potentially retaliatory after I questioned the decision. Why This Is Unfair or Deceptive : PNC advertised a {$400.00} business checking bonus with clear requirements. I met those requirements, maintained the required balance for the full period, and received confirmation from PNC employees that I qualified. PNCs refusal to honor the bonus constitutes : False advertising Baitandswitch promotional practices Unfair and deceptive business practices Internal inconsistency between representatives and executive review Retaliation after I challenged the denial The fact that PNC honored the personal bonus but denied the business bonus despite both accounts being opened at the same time and both meeting requirements further demonstrates inconsistent and unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: LA

Complaint narrative:
Validation of Debt Request - IQ DATA INT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
Date : XX/XX/year> Discover Investigation Department Discover Bank Issuer of the Discover Credit Card Re : Formal Legal Demand Unauthorized Discover Card Account, Credit Reporting Violations, and Immediate Corrective Action Required To Whom It May Concern, This correspondence constitutes a formal legal dispute and demand for immediate corrective action regarding an Discover Credit Card account issued by Discover that has been opened and/or reported under my name without my authorization, knowledge, or consent. I did not apply for this account, authorize any credit inquiry associated with it, nor did I consent to the creation or reporting of this credit line. The presence of this account within your systems and its reporting to consumer reporting agencies constitutes materially inaccurate and potentially unlawful credit reporting activity. Your institution, as a furnisher of credit information, is legally obligated under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) to ensure the accuracy and integrity of all information reported to consumer reporting agencies and to conduct a reasonable investigation upon notice of dispute. Accordingly, you are hereby placed on formal notice that the following actions must be taken immediately : 1. Immediate closure and permanent deletion of the unauthorized Discover Credit Card account from all Discover Bank internal systems and databases. 2. Immediate removal of all tradelines, inquiries, and related reporting connected to this account from the following consumer reporting agencies : o Experian o Equifax o TransUnion 3. 4. Immediate removal of any internal fraud indicators, risk flags, or derogatory notations associated with my consumer profile that have arisen from this unauthorized account. 5. Written confirmation that all references to this account have been fully removed from both your internal records and all credit reporting agencies. Please be advised that continued reporting or failure to correct inaccurate information after receiving notice constitutes willful or negligent noncompliance with the Fair Credit Reporting Act and may subject Discover Bank to statutory damages, actual damages, punitive damages, and recovery of attorneys fees and costs. Should this matter not be promptly resolved, I will pursue all remedies available to me, including filing formal complaints with the : Consumer Financial Protection Bureau Federal Trade Commission and pursuing further legal remedies as permitted under federal and state law. This matter requires immediate attention. I expect written confirmation of the corrective actions taken within the statutory investigation period prescribed under federal law. Failure to remedy these violations promptly will be interpreted as willful noncompliance, and I will proceed accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: MA

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 XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Credit, Inc
State: KY

Complaint narrative:
I received a letter stating I owe for a debt that I remember applying for but wasn't approved upon research I think it maybe my sister debt but for sure anyways the loans from XXXX. Which is strange since that debt no matter who debt is I think this company trying shady fraudulent tactics for any one from my address to pay this. Letter was sent on XX/XX/XXXXXXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Issue : PNC Bank engaged in deceptive and unfair practices during my personal credit card application by requesting my tax records directly, then requiring that I authorize a thirdparty company to obtain my IRS tax transcripts. These requirements were not disclosed upfront, and PNC pulled my credit report before informing me of these additional, intrusive steps. What Happened : I applied for a PNC personal credit card. PNC immediately performed a hard credit inquiry on my credit report. After the inquiry, PNC informed me that I needed to provide my tax records directly to them. I complied. After receiving my tax documents, PNC then informed me that I also needed to authorize a thirdparty vendor to obtain my IRS tax transcripts. This second requirement was never disclosed at the time of application, was not listed in the application terms, and contradicts the fact that I had already provided the tax information they requested. This created an unnecessary, intrusive, and duplicative barrier to obtaining a standard consumer credit card. Timeline & Factual Details : I applied for a PNC personal credit card. PNC performed a hard credit pull immediately. Only after the credit inquiry did PNC request that I provide my tax records directly. I submitted the requested tax documents. After receiving my documents, PNC then required that I authorize a thirdparty company to obtain my IRS tax transcripts. This requirement was not disclosed upfront, was not part of the application terms, and contradicts the initial request for direct submission. PNC did not explain why both steps were required or why my submitted documents were insufficient. This process is not standard for consumer credit cards and appears to be an unnecessary barrier to approval. Why This Is Unfair or Deceptive : PNCs actions constitute deceptive and unfair credit card application practices because : They failed to disclose that a thirdparty IRS transcript authorization would be required. They pulled my credit before informing me of these additional requirements. They requested my tax records directly, then required the same information through a thirdparty, creating conflicting and redundant demands. This practice is not standard for consumer credit cards and involves unnecessary access to sensitive IRS data. The shifting requirements create confusion, wasted time, and unnecessary exposure of personal financial information. The undisclosed requirements caused a hard credit inquiry that I can not reverse, despite PNC changing the terms after the fact. This raises concerns about transparency, data privacy, and unfair barriers to credit access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a follow-up complaint because my previous complaint was closed by Equifax without properly resolving the issue. In their response, Equifax asked me to be specific by listing the account names, numbers, and the nature of the dispute. I find this extremely frustrating because I have already provided this information multiple times in prior letters, disputes, and communications dating back to 2024. To clarify once again, the following accounts appearing on my credit report are fraudulent and the result of identity theft. I never opened, authorized, or benefited from these accounts. The accounts I am disputing are : XXXX XXXX XXXX XXXX collection account opened without my authorization ( Account number : XXXX ) XXXX XXXX XXXX XXXX collection account opened without my authorization ( Account number : XXXX ) XXXX XXXX XXXX Fraudulent account that I never opened or authorized ( Account number : XXXX ) These accounts do not belong to me and were opened without my knowledge. I previously lost my passport, which I believe may have been used by someone to impersonate me and fraudulently open accounts using my identity. I have been attempting to dispute these accounts and request a proper investigation and removal since 2024, yet they continue to appear on my credit report despite my repeated disputes, letters, and communications. I have also filed an identity theft report with the Federal Trade Commission. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit reporting agencies are required to block and remove information that results from identity theft once proper notice and supporting documentation are provided. It is extremely concerning that Equifax continues to request the same clarification despite having already received this information multiple times. This ongoing failure to properly resolve the issue has caused significant frustration and unnecessary delays. These fraudulent accounts have severely harmed my credit profile and are unfairly preventing me from accessing and leveraging credit to scale and grow my business. At this point, I expect Equifax to comply with its legal obligations under the Fair Credit Reporting Act by either : Conducting a proper and thorough investigation that proves these accounts legitimately belong to me, or Permanently removing these fraudulent accounts from my credit file. I am requesting that these items be immediately removed from my credit report as they are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
Validation of Debt Request - HWARFIELD - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA INT is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT 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 non-monetary relief
Consumer complaint received 2026-03-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
There were XXXX transactions that were legitimate and successfully processed through my checking account with M & T bank. The bank froze my account after the XXXX transactions were processed. I am a long and upstanding customer of this bank. They told me I had to go into the local branch to have my account restored. I did that and was interrogated openly in the branch in front of other customers that were in the bank at the time. This line of questioning was addressed by the Assistant Branch Manager, in that he walked over and stated he was uncomfortable with the questions that were being asked. I agreed and would not answer any of these questions. They proceeded to ask me for statements from other financial institutions. I refused to provide that information. I then asked the Branch Manager to file a complaint. The complaint was subsequently filed. This was done about a month ago. To date, I have not heard back from the bank regarding this complaint, in spite of making numerous attempts to discuss this matter with them. I believe my rights were violated by the bank. In addition, I went through undue hardship as a result of this process.

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 2026-03-06 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: TN

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