vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My name is XXXX XXXX I left my abuser in XXXX after many years with him in XXXX  my mother passed away and then XXXX  I sold a property that I inherited from her and the money I deposited was over {$450000.00} within a year and a half my abuser coerced and threatened me to financially drain my account for his benefit. After I escaped my abuser I contacted my local PNC bank and my local Banker immediately saw the signs of financial abuse in my statements. He escalated the case to the executive consumer specialist at PNC Bank XXXX XXXX who contacted me and our i initial conversation I felt victimized again when he stated things like if your motorcycle was stolen would you expect it to be returned if you didn't report it knowing from our conversation that I lived in fear and was unable to report it and when he said we don't tell our customers how to spend their money and we don't stop them from spending their money he even stated that even when they know that a customer is being scammed by somebody from XXXX or XXXX to send money they don't tell their customer how to spend their money however my research has shown me that banks are responsible for detecting Financial abuse and stopping it my claim was denied and XXXX XXXX 's explanation was this is a domestic situation not a responsibility of ours and again he said we don't tell our clients how to spend their money and we don't stop them from spending their money this explanation being the exact same explanation I was given on our initial phone call tells me that he has made a decision before even receiving my bank statements from my local Banker or my testimony that I had sent him I'm wondering what kind of help I can get to to escalate this as I feel my bank failed to protect me from financial abuse which as you know is a form of fraud I can have my local banker send you copies of my statements I can also send you the testimony I sent to the bank as well as letters from my family and friends as well as my abusers own mother stating the abuse was happening. I also have a letter from my states victim compensation fund approving my application for mental health care and recognizing me as a victim. Unfortunately victims are unable to collect proof of abuse because it endangers their safety. So these items are all I have I may have one text message I saved where my abuser admits he was with me to take my money but that is it. He took my phone that had communication from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have recently submitted a complaint against zelle. They said they understood my situation and they would lift the restrictions from my account. However, according to td bank the zelle restrictions are still in place ( on the zelle side ). I'm simply asking them to do what they said they would do and lift the restrictions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Complaint Summary : A debt collector, Columbia Debt Recovery ( Genesis ), attempted to collect a debt I do not owe. I was issued a move-out statement showing a refund owed to me, and I received that refund check. Despite this, XXXX incorrectly referred a balance of {$120.00} to collections, and the collector has refused to provide written confirmation that the debt has been withdrawn, even after verbally stating they would retract it. 

I am filing a complaint regarding Columbia Debt Recovery ( Genesis ) and my former landlord, XXXX, for attempting to collect a debt that I do not owe, failing to correct their error, and refusing to provide written confirmation after repeated requests. 

Timeline : XX/XX/XXXXXXXX  Paid my final move-out charges of {$5100.00} ( rent + lease-break fee ). 

XX/XX/XXXXXXXX  Received an email from XXXX stating I owed {$120.00}. 

XX/XX/XXXXXXXX  I received a refund check from XXXX for {$90.00}, proving they recalculated and determined I had overpaid, not owed a balance. 

XX/XX/XXXXXXXX  Received another email alleging a balance owed. 

XX/XX/XXXX XXXX verbally confirmed I did not owe any debt. I obtained a move-out statement showing a refund due, not a balance. Follow-up requests for written confirmation were ignored. 

XX/XX/XXXXXXXX  & XX/XX/XXXXXXXX  I began receiving emails from a new domain ( XXXX ) requesting payment. Due to a different email domain and my documentation showing a refund, I believed these were scam emails. 

XX/XX/XXXXXXXX  I received notice the alleged debt was sent to collections. 

XX/XX/XXXXXXXX  I called XXXX, who confirmed they had sent the alleged debt to Columbia Debt Recovery and said they could not assist further. 

XX/XX/XXXXXXXX  I disputed the debt with Genesis and provided the move-out statement and refund check. 

XX/XX/XXXX Genesis verbally informed me that XXXX agreed to retract the debt and they would close the matter, but they refused to provide written confirmation. 

XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I emailed both parties requesting written confirmation. No one has responded. 

I have documentation showing a zero balance, a refund owed, and then refund issued. Despite this, the debt was referred to collections and neither party will provide written confirmation that the collection account is withdrawn. 

I am requesting the CFPB require : Written confirmation that the alleged debt has been fully withdrawn. 

Written confirmation that no negative information has been or will be reported to the credit bureaus. 

Correction of any internal records. 

A copy of all account notes regarding this erroneous referral. 

I am happy to provide all emails, the move-out statement, the refund check, and screenshots of collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

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.

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 2025-12-03 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 am a consumer actively working to repair my credit. I have identified the following inaccuracies in my credit reports and respectfully request that these issues be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts I am disputing, separated by each bureau for your reference : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments XXXX  XXXX  Account Number : 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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was purchased Goods from XXXX on XX/XX/XXXX and XX/XX/XXXX the price of the good is XXXX and XXXXTwo payment type show on my Citi bank Statement are Cash Transactions .the bank charge me {$10.00} Advance fee for each Transaciton. 
Citi bank and XXXX XXXX they Point each other they said not their problem.I told them i am purchase goods not did service why chanrge me as cash Advance XXXX told me that is XXXX problem.I submit dispute by XXXX as Unauthiorized payment Two times but XXXX refuse me. and ask for XXXX they let me wait.Untill now i still no get my {$20.00} back.

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 monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the creditor and the credit bureaus are reporting an inaccurate 30-day late payment on my account. 

I disputed the late payment because the furnisher has not provided any timestamped, verifiable documentation proving that my payment was actually 30 days late. Under the FCRA, they must maintain maximum possible accuracy, and under the FCBA, they must credit payments as of the date received. If a payment is received on time but posted late, the late mark is legally invalid. The creditor has not demonstrated that the delay was caused by me. 

I am requesting the Method of Verification from the credit bureaus, including : The exact documents reviewed The date the payment was received The date the payment was posted Any internal logs, payment ledgers, or audit trails Whether the investigation was manual or automated None of this information was provided. I only received generic verified as accurate responses, which do not satisfy the FCRAs requirement for a reasonable investigation. 

The furnisher and the bureaus have failed to : Provide proof that the payment was actually 30 days late Show documentation proving the timing of receipt and posting Conduct a lawful, reasonable investigation Provide the required Method of Verification Explain how the information was verified Correct or delete inaccurate information after dispute Because they can not show when the payment was received or prove that I was actually 30 days late, the information is unverifiable. Under the FCRA, unverifiable data must be corrected or deleted. 

The continued reporting of this late payment is causing ongoing harm to my creditworthiness and access to fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
I reached an agreement with Shepherd Outsourcing months ago and have been paying this debt via autopay monthly. Today, I received screenshots from my daughter of messages they have sent her that state who the debt was from, what my payment amount is and the last 4 numbers of my account that I am using to repay this debt. My personal information regarding a debt I owed has been shared with someone not associated with the debt or repayment. I called the company and had them remove that number and was told there was an additional number that this information was being shared with and that number was removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This lease was originally owned by another company it was then transferred to XXXX XXXX with incorrect amount owed. I have reached out to them several times without any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing regarding the above-referenced account that you are reporting and attempting to collect. I dispute this debt in its entirety and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide : Proof that I am the correct debtor, including any documentation with my name, address, and service location. 
A complete, itemized breakdown of the alleged {$1900.00} balance. 
Proof you have the legal right to collect, including assignment, transfer, or ownership of the debt. 
A copy of the original contract or agreement bearing my signature, if applicable. 
Copies of all billing statements from XXXX XXXX showing how the balance was calculated. 
The date of default and proof that the debt is within the statute of limitations. 
Be advised that under the FDCPA, all collection activity must cease until you provide proper validation. This includes reporting or updating this account with any credit bureau. 
If you can not validate this debt, you must stop all collection efforts and remove the account from all credit reports. 
I expect your response within the timeframe required by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Subject : Servicer misconduct, imposition of predatory " Default Interest '' due to processing errors, and failure to honor payoff. 

1. Predatory " Default Interest '' Based on Servicer Error The servicer is attempting to charge approximately {$23000.00} in " Default Interest '' ( calculated at a rate of 30.50 % ) based on a " default '' status that they manufactured. I have consistently made monthly payments via bank checks. The servicer claims these payments were " late '' or " missing '' because they were sent to an address the servicer later claimed was incorrect. However, the servicer never notified me of a change of address for payments. Furthermore, the servicer continued to cash checks sent to the previous address while simultaneously marking the account delinquent. 

In a letter dated XX/XX/XXXX, I formally disputed these charges and requested proof of the address change notification. The servicer has failed to provide this proof or any response. 

2. Documented Payment Processing Failures My correspondence proves that the servicer 's " delinquency '' records are false : XX/XX/XXXX : A representative claimed my payment was past due. I provided bank evidence that the check was sent XX/XX/XXXX. The servicer eventually admitted the mistake. 

XXXX XXXX  : On XX/XX/XXXX, a representative claimed XXXX was unpaid. I provided proof the check cleared. Minutes later, the representative admitted in writing : " I now see that XXXX was paid via check today. '' Pattern of Error : In XXXX, XXXX, and XX/XX/XXXX, checks sent via XXXX XXXX were cashed by the servicer, yet their system reflected the account as " unpaid, '' triggering the exorbitant default interest. 

3. Failure to Honor Payoff ( Violation of State Statute ) A full payoff was tendered by a Title Company. The servicer rejected/returned the funds without valid justification. On XX/XX/XXXX, the payoff was wired again. A representative acknowledged the funds were in the system, yet the loan remains " open '' and continues to incur default interest. The servicer is in violation of Florida Statute 701.04 for failing to record the satisfaction of the mortgage within 60 days of full payment. 

4. Lack of Responsiveness I sent a Formal Escalation and Demand Letter via certified mail and email on XX/XX/XXXX. I also sent a dispute fax regarding the Default Interest on XX/XX/XXXX. I have received no formal response. Emails to the servicing department go unanswered or result in generic auto-replies.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX offered me a new credit card after their cards were included in a debt relief program. I accepted the new card offer. When the card came, I had trouble activating it. I called them and they told me they needed more information to get the card activated. As soon as I provided the info they used that info to validate the old debt and did not validate the old debt and then began their attempts to collect the monies and sent a garnishment to my job under the wrong company name. They tricked me into helping them bypass the relief program I was in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
This is my fourth complaint regarding the same inaccurate XXXX collection reported by Harris & Harris. I previously filed CFPB complaints # XXXX and XXXX XXXXXXXX on XX/XX/XXXX and XX/XX/XXXX, disputing this debt and requesting validation. At no point has Harris & Harris provided lawful validation under the FDCPA. They only sent billing statements and itemized bills, which do not qualify as legal validation. 

Required validation includes : A signed contract or agreement Documentation showing I owe the debt A complete chain of ownership/assignment A full accounting of how the balance was calculated Despite failing to validate, they continued reporting and updating this account including furnishing it again on XX/XX/XXXX, during an active dispute, as shown in the attached XXXX  report XXXX 

Harris & Harris then claimed they requested deletion on XX/XX/XXXX, which is after they re-reported it on XX/XX/XXXX. This means they knowingly furnished and verified a disputed, unvalidated debt, violating both the FDCPA and FCRA 623 ( a ) ( 1 ) - ( 2 ).

They also stated removal is up to the credit bureaus, which is legally incorrect. The furnisher is responsible for accuracy and deletion when information is false or unvalidated.

The law is not a courtesy.

Compliance is not optional, and deletion is not a favor it is a legal obligation because the inaccurate reporting originated from Harris & Harris.

Additionally, Harris & Harris repeatedly used trigger words such as paid or resolved to force earlier CFPB complaints to auto-close without addressing the dispute. This shows a pattern of bad-faith handling and noncompliance.

Company response to consumer: Closed with explanation