vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXXXXXX  my account balance went from XXXX to XXXX. And the overdraft fee dates were both for XX/XX/XXXXXXXX. Which confused me because how was I penalized for two transactions, if my account balance was {$0.00} before the XXXX low cash mode time? And after XXXX, youre given a reset of 48 hours. XXXX XXXX, etc. i always ensured i followed the rules. As a customer who has been with PNC bank of XXXX since around XXXX, i dont have a history of being charged an overdraft fee because i always put the money back before time is up. Both fees were {$36.00} each. Its impossible and research has shown me this isnt the first time PNC caught heat for their processing practices. By the end of the day of XX/XX/XXXX i deposited all the money, including the overdraft fees because i dont play around with that stuff. If i didnt i probably would have got charged again for every day its over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Subject : Request for Investigation Regarding {$46000.00} Debt Reduction on Navient Private Loans To Whom It May Concern, I am writing to formally request an investigation into my private student loans with Navient. According to my personal credit report accessed on XXXX XXXX on XX/XX/year>, there is a {$46000.00} reduction in my outstanding loan balance that I do not understand or have been notified about. 
I have been actively disputing my loans throughout this month and want to ensure that all changes are accurate and properly documented. I request that the CFPB, XXXX, and credit reporting agencies : 1. Investigate the origin and reason for this {$46000.00} reduction.

2. Provide a formal explanation and documentation of any adjustments to my account. 
XXXX. Ensure that my credit report reflects accurate and verified information. 

Please treat this as an urgent matter. I am keeping detailed records of all communications and expect a written response. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
ordered curtains in XXXX of XXXX  order number XXXX amt {$180.00}. Very poor quality and I mailed them back due to living XXXX miles from the store. Kohls received the return and confirmed the return but never gave me credit. I called several times, both to the store and to Capital One who managed their credit card. I paid my balance in full except for the XXXX. Now my balance is $ XXXXwhich includes the curtains plus interest and fees. I was told several times over the phone that my account would be credited, however, it never was. I went into the Kohls store in bowling green ky a few days ago and asked to speak to a manager, also told the clerk the reason, and the manager would not speak with me. I did a dispute and there was once a temporary credit applied, then reinstated. My credit score has gone from excellent to fair because of this. I will never shop at XXXX  again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-26 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: DE

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent item from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the item listed below : 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 explanation
Consumer complaint received 2025-08-26 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
A Lender By the name of XXXX XXXX who was referred to me by a realtor did a hard pull on my credit report when I didnt verbally authorize it but he stated when I did the application it gave him authorization.but I have used him before and a hard pull was not performed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: GA

Complaint narrative:
am filing a complaint regarding a collection accounts that Amerifinancial Solutions has reported to the credit bureaus on XXXX XXXX XXXX XXXX XXXX XXXX. 



The account is listed on my credit report with balances of {$1100.00}, with Amerifinancial Solutions as the collection agency. These accounts were reported without providing me with proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

I have disputed these items directly with the credit bureaus, and they remain on my report. Amerifinancial Solutions has not provided : Proof that I am legally obligated for this debt An itemized accounting showing how the balances were calculated A copy of any agreement bearing my signature Proof that this debt is within the statute of limitations Without this documentation, the reporting of this account is inaccurate and harmful. The continued reporting of unvalidated debts violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB review this matter and require Amerifinancial Solutions to either : Provide complete validation of the alleged debts ; or Immediately remove these accounts from my credit report.

Thank you for your assistance in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
To Whom It May Concern : I am writing in regard to the account you claim I owe with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you immediately cease and desist all communication with me, my family, and my place of employment regarding this alleged debt.

Please be advised that I dispute the validity of this debt as reported. Any further communication, other than to notify me of specific legal action you intend to pursue, will be considered harassment and a violation of the FDCPA, 15 U.S.C. 1692.

If you believe you have the legal right to pursue this matter, you may do so through the proper legal channels. Otherwise, I expect no further contact from your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XX/XX/year>, I emailed a request to remove my escrow from my mortgage account for insurance and property taxes. PHH Mortgage declined my request, stating that my account was not at the 20 % threshold. The current balance on the loan is {$170000.00}, and the original loan amount is {$220000.00}, which meets their criteria of 20 %. I have called them several times to resolve the issue, and you can not speak with anyone in the escrow department. They also told me they would escalate this to a higher level. As of today, XX/XX/XXXX, it is still not resolved, and my account XXXX has not called me back. Ive wasted several hours on the phone and cant get a solid explanation or resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CO

Complaint narrative:
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. 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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Subject : Request for Removal of Paid Account Reporting Negatively on Credit Profile To whom it may concern, I am writing to dispute and request the removal of a negative item that is currently harming my credit profile. The account in question is : XXXX XXXX XXXX Creditor : XXXX XXXX  Capital One XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX * XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment : * * XX/XX/XXXX XXXX XXXX XXXX  Reported Date : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Current Status : XXXX XXXX Paid in Full with \ {$0.00} balance XXXX XXXX XXXX Worst Status : XXXX XXXX Unknown Although this account has been fully paid and closed with no remaining balance, it continues to reflect negatively on my credit profile. Since the obligation has been satisfied, I respectfully request that this account be removed from my credit report across all credit bureaus ( XXXX, XXXX, and XXXX  ). 

In accordance with the XXXX XXXX  Fair Credit Reporting Act ( FCRA ) XXXX XXXX, I have the right to accurate and up-to-date reporting. This accounts reporting is not an accurate reflection of my current financial responsibility and should not continue to negatively affect my credit score. 

Please conduct a full investigation into this matter and provide written confirmation once this account has been corrected and/or removed. I have attached supporting documentation for your review. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-26 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: TX

Complaint narrative:
Recently, I submitted an investigation and dont agree with the accounts list below on my credit report, even after the investigation. I would like these accounts immediately reinvestigated. These inaccuracies are highly injurious to my credit rating.

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

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate 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, incomplete, or can not be verified, the consumer reporting agency shall ( i ) 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 report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief