vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: NH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Issue : Bank of Oklahoma failed to comply with Regulation E provisional credit requirements This complaint is separate from my original CFPB filing regarding unauthorized gambling transactions on my Bank of Oklahoma account.

In addition to the disputed {$5300.00} In unauthorized transactions already reported, Bank of Oklahoma has violated Regulation E ( 12 CFR 1005.11 ) by failing to issue provisional credit within XXXX business days of my dispute, as required by law. 
I filed my dispute with Bank of Oklahoma on XX/XX/year>. 
The XXXX deadline expired on XX/XX/year>. 
As of today ( XX/XX/year> ), no provisional credit has been issued and no transaction-level evidence has been provided to justify denial. 
The bank sent only a generic denial letter without supporting evidence. 

Because of the banks failure to comply, I have incurred significant consumer harm, including : Over {$200.00} in overdraft fees ; {$40.00} in postage/certified mail costs to pursue the matter ; A {$20.00} rent fee via credit card payment due to withheld funds ; Ongoing credit card interest and cash-advance fees.

I respectfully request that the CFPB take action to ensure Bank of Oklahoma complies with Regulation Es provisional credit requirements and that the bank reverses the consumer harm caused by its noncompliance.

Resolution Sought : Immediate issuance of provisional credit for the disputed transactions ; Reversal of overdraft fees caused by the banks delay ; Confirmation that the bank is brought into compliance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
I am filing this complaint because TransUnion continues to report multiple inaccurate and unverifiable collection accounts on my credit file, despite my disputes.

The accounts in question include : Credit Collection Services XXXX XXXX ( {$58.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( {$250.00} & {$300.00} ) XXXX XXXX XXXX XXXX XXXX ( {$160.00} & {$2300.00} ) XXXX XXXX XXXX XXXX XXXX ( {$690.00} & {$820.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$3200.00} ) XXXX XXXX XXXX XXXX XXXX ( {$3600.00} ) XXXX XXXX XXXX XXXX ( {$1300.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} ) These debts have not been properly validated with contracts, itemized statements, or proof of assignment. Their continued reporting violates the Fair Credit Reporting Act ( FCRA 602, 607 ( b ), 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ( b ) ).

Harm : These unverifiable accounts are damaging my creditworthiness and preventing me from accessing fair credit opportunities.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have over XXXX XXXX XXXX  of XXXX charges from my checking account. Reported it to my bank PNC they are investigating however my dispute is with the store for allowing my account to be used without any card .. these are POS charges in Arkansas and I am in DELAWARE XXXX I ALSO AM irritated by the bank because if I travel anywhere I have a security issue and have to call to unlock my card but this s excessive and over a course of XXXX months. They cant give my money back until investigation is complete but I am running out of money because even as a dead card this continues to post. I again today has to report another XXXX XXXX. It just needs to be fixed. This s a fraud and scam its not mine. I had a XXXX and I XXXX XXXX anymore. I just want this process to be in favor of the customer. It gives no reason to not give the customer in my case thousands of win my account and XXXX dollars in this bank. It needs to. E easier for customers and the merchant should not allow payment from anything but card. Safety first thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
This new card offered by Robinhood, the XXXX XXXX, is advertised as having no annual fee. You have to dig through multiple fine print statements in order to find out the card requires a person to be in their XXXX membership. This membership requires a monthly fee of {$5.00}. Over the course of a year, this would be a {$60.00} annual fee, which is in direct opposition of the 'no annual fee ' advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: WY

Complaint narrative:
US Bank - account # XXXX. I had a large balance on my HELOC of just over {$130000.00}. I paid it off in XXXX but they will not update the credit report to reflect the XXXX balance. I have contacted then several times and always get different answers and excuses. It affects my credit rating and my ability to borrow.

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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
Pinnacle Recovery , Inc. is reporting a collection tradeline on my credit reports that is inaccurate, unvalidated, and in violation of federal law.

Pinnacle is not the original creditor and has not provided evidence that it owns this alleged debt or has the legal right to report it.

Pinnacle reports an account opened date of XX/XX/XXXX, joint account responsibility, and a balance of {$1000.00}. This is misleading and misrepresents the legal status of the alleged debt.

Pinnacle has never sent me the required written notice under 15 U.S.C. 1692g ( a ) within 5 days of its first communication, which includes its act of furnishing data to the credit bureaus.

Reporting without providing the initial notice deprived me of my statutory right to dispute and request validation directly.

Violations : FDCPA, 15 U.S.C. 1692e & 1692g : false representation of ownership, failure to provide required notice, and failure to validate.

FCRA, 15 U.S.C. 1681s-2 ( a ) : furnishing inaccurate and incomplete information to credit bureaus.

Strict Validation & Chain of Custody Requested : I demand that Pinnacle provide a full chain of custody proving its legal right to report and collect on this alleged debt, including : All bills of sale, assignments, or forward flow agreements showing every transfer of ownership from the original creditor to the current entity.

Any contract of assignment or servicing agreement authorizing Pinnacle to act as an agent if it does not own the debt notarized docs.

The original signed agreement with the alleged creditor.

A complete itemization and accounting of the balance, including interest, fees, and payments applied.

No such documents have ever been provided to me.

Legal Authority : Brady v. Credit Recovery Co., 160 F.3d 64 ( 1st Cir. 1998 ) misrepresentation of authority violates the FDCPA.

Wadlington v. Credit Acceptance Corp., 76 F.3d 103 ( 6th Cir. 1996 ) only an assignee of the debt can claim creditor rights.

Macik v. Chase Manhattan Bank, 2005 WL 1529581 ( S.D. Tex. 2005 ) inaccurate reporting of creditor identity violates the FCRA.

FTC Staff Opinion Letter ( LeFevre, 1999 ) : a debt collector may not report as a creditor unless it owns the debt.

Requested Resolution : Require Pinnacle to provide the full chain of custody documentation listed above ; If Pinnacle can not validate ownership and rights, require immediate deletion of this tradeline from all credit bureaus ; Ensure Pinnacle ceases reporting and collection activity until it complies with both the FDCPA and FCRA. If not in compliance I promise you I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During XXXX XXXX ( early ) I began to suffer financially mainly due to job loss. This info was expressed to XXXX XXXX. Eventually I became able to barely hang on for a while until the vehicle engine failed unaffordably. Eventually I chose to VOLUNTEER SURRENDER the vehicle ( owing approx {$5000.00} ) and did so. After XXXX received the vehicle I was notified that I now owed {$9000.00} more {$13000.00} total. So far I have currently paid back over {$7000.00} of the {$13000.00}. XXXX XXXX literally scammed me for almost {$40000.00} for {$7000.00} car that was initially almost paid for.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
During XXXX XXXX ( early ) I began to suffer financially mainly due to job loss. This info was expressed to XXXX XXXX. Eventually I became able to barely hang on for a while until the vehicle engine failed unaffordably. Eventually I chose to VOLUNTEER SURRENDER the vehicle ( owing approx {$5000.00} ) and did so. After XXXX received the vehicle I was notified that I now owed {$9000.00} more {$13000.00} total. So far I have currently paid back over {$7000.00} of the {$13000.00}. XXXX XXXX literally scammed me for almost {$40000.00} for {$7000.00} car that was initially almost paid for.

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