vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am a customer of PNC Bank, and the owner of checking account number XXXX XXXX XXXX XXXXXXXX. Over the course of approximately 12 months, funds were improperly debited from my account via a series of unauthorized electronic checks. These checks were not signed by me and were issued in a name different from my own. 
I formally notified the bank and requested reimbursement, but as of now, the issue remains unresolved. The bank refuses to refund the amount of {$2100.00}. This refusal persists despite the fact that these were electronic checks with missing signatures and different payees, which makes the items not properly payable under Florida law ( Florida Statutes 674.406 and 673.4031 ).

Furthermore, the bank has failed to provide copies or images of the paid checks for me to verify and confirm the forgery, despite this being a legal obligation.

I need the CFPB to intervene to compel PNC Bank to : Fully reimburse the funds improperly debited from my account. 
Provide copies of the fraudulent checks. 
I am requesting the CFPB 's assistance to ensure my rights as a consumer and account holder are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-24 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:
urate Information Data Breach Exposure To Whom It May Concern, I am disputing the accuracy and legitimacy of certain information on my credit file. My personally identifiable information was exposed in a data breach, and as a direct result, fraudulent and unverifiable information has appeared on my reports.

This has traumatically affected my life, hindering my ability to obtain credit, secure housing, and access essential resources. Such consequences violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681c-2, which mandate the permanent deletion of inaccurate or unverifiable data.

Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and the FTC Act ( 15 U.S.C. 45 ) require credit reporting agencies to safeguard consumer data and prohibit the continued reporting of information resulting from a breach. 
Accordingly, I am demanding that all unverifiable and fraudulent items associated with the breach be deleted indefinitely from my credit file. Anything less constitutes a violation of federal law and will be pursued accordingly through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other applicable regulatory bodies. 
Please confirm in writing within 30 days, as required by law, that these items have been permanently deleted from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management is reporting a debt on my credit report. I requested Method of Verification, XXXX record, securitization, i requested original agreement with my signature, and other information to verify the debt. Midland is violating my rights inder yhe FCRA and they are unable or unwilling to comply. I am demanding Midland delete this account immediately to prevent further FCRA violations and litigation where I will seek statutory damages for the violations is court is the final outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report today. Even after refreshing my browser, they remain. I urgently request a thorough review of the documents I submitted so this issue can be permanently resolved.

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 2025-09-24 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: FL

Complaint narrative:
I do not agree with the results of the formal investigation. A charge-off is a one time event and repeated charge off reporting on my credit report can falsely inflate the severity of the damage on my credit report. Please delete/remove this account due to the inaccuracy being furnished on my credit report and failure of the bureaus to conduct a proper investigation. Please provide me with transcripts of the call and methods used to conduct the investigation if you choose. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am being contacted regarding an alleged debt. I requested validation under the Fair Debt Collection Practices Act, but they failed to provide documentation proving I owe the debt ( such as the original creditor, itemized statement, or signed agreement ). Despite this, they continue collection efforts and/or credit reporting. I am requesting CFPBs assistance in having the collector either validate the debt properly or cease all collection activity.

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 2025-09-24 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: IN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX. V GRAVENS ( mo ) XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) GLBLNDSVCS BALANCE {$20000.00}, XXXX XXXX BALANCE {$740.00}, XXXX XXXX BALANCE {$1100.00}, XXXX XXXX BALANCE {$0.00}, XXXX  XXXX BALANCE {$0.00}XXXX XXXX XXXX XXXX XXXX {$470.00}, ONLINE INFORMATION SERVICES BALANCE {$130.00}, XXXX XXXX XXXX XXXX BALANCE {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX. V GRAVENS ( mo ) XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) GLBLNDSVCS BALANCE {$20000.00}, XXXX XXXX BALANCE {$740.00}, XXXX XXXX BALANCE {$1100.00}, XXXX XXXX BALANCE {$0.00}, XXXX  XXXX BALANCE {$0.00}XXXX XXXX XXXX XXXX XXXX {$470.00}, ONLINE INFORMATION SERVICES BALANCE {$130.00}, XXXX XXXX XXXX XXXX BALANCE {$610.00}

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 2025-09-24 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 XX/XX/XXXXXXXX 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 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America checking account ending in XXXX was closed while multiple fraud and billing disputes were still active. The bank failed to properly investigate, credit, or refund unauthorized transactions, in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

Despite receiving mobile notifications that my attention was needed, I was not given any opportunity to appeal or provide supporting information before claims were marked complete. No clear final resolution was communicated, and no refunds were posted to my account. 

Claims mishandled include : Claim ID : XXXX | Amount : {$3000.00} | Opened XX/XX/XXXX Claim ID : XXXX | Amount : {$130.00} | Opened XX/XX/XXXX Claim ID : XXXX | Amount : {$280.00} | Opened XX/XX/XXXX Claim ID : XXXX | Amount : {$560.00} | Opened XX/XX/XXXX Claim ID : XXXX | Amount : {$2400.00} | Opened XX/XX/XXXX Relief Requested : XXXX. Investigate Bank of Americas mishandling of these claims.

2. Order immediate refund of all disputed amounts.

3. Provide written confirmation of credits issued. 
4. Review whether Bank of Americas dispute process complies with federal consumer protection laws. 

I am attaching supporting documents, including official notices and screenshots showing the claim IDs and dates.

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 2025-09-24 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: MD

Complaint narrative:
My name is XXXX and I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously called in and submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report.Again, i sent a letter to you guys last month and i dont need you guys saying my FTC report of my letter is invalid, because its not. thats why im sending this ot the cfpb this time I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 


here are the list of inquires : XXXX. XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
After they locked me out of my account I received XXXX notices from USAA bank on XX/XX/XXXX. XXXX for my checking account : " After careful evaluation, were writing to inform you that were exercising our right to end our banking relationship with you per our Depository Agreement. Were electing to close the following account. '' And another one for my credit card account : After careful evaluation, were writing to inform you that were exercising our right to end our banking relationship with you per our Depository Agreement. 

I called the USAA on XX/XX/XXXX inquiring about my accounts. They first said that they are exercising their right to no longer do business with me and then hung up on me. I called back and talked to a supervisor and she said the same thing, she also said she will request a review of the decision which will take XXXX business days. I called back after XXXX business days on XX/XX/XXXX and was told that the decision remains unchanged, my accounts are being closed. I informed them that I just got paid from my job to the account and I need my funds so I can make payments such as rent, bills, etc. 

I asked them to send me a check with my funds so I can transfer it to a different bank. They refused to send me a check and said that they have 60 days to do that. I told them that I can not wait 60 days, I'm unfortunately in the situation living paycheck to paycheck and have no other funds at my disposal to cover my expenses while waiting for 60 days. They still did not care and kept getting the same answer. 

I already had returned payments from my accounts and I am getting charged late fees and interest charges because of them freezing my account. Until now, they did not give me an explonation about why would they do this. I have been with them for 10 years and never had a missed payment, they made plenty on me from interest, and I also have insurance with them. 

So far my USAA credit card was charged a {$25.00} late fee and {$8.00} for interest. They are even refusing to take the payment out of the checking account to pay off my credit card, so they can collect more interest. 

I am considering to take legal actions at this point as well to file more formal complaints against USAA. I am also considering to contact the news about this treatment, so others can avoid dealing with USAA.

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 2025-09-24 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: TN

Complaint narrative:
Recently, I did an an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
I requested that they provide me proof of this alleged payment being late on XX/XX/year> and provide me exact documentation and processes they have used to validate this information. 15 U.S. Code 1666b requires that creditors for open-end credit plans send periodic statements to consumers at least 21 days before the payment due date to avoid late payment fees. This law ensures that consumers have sufficient time to receive their statements and make timely payments to avoid additional finance charges, and it also prevents creditors from treating a payment as late if these reasonable procedures are followedCan you provide evidence that the payment was late, including the due date, the date the payment was received, and the terms of the agreement regarding late payments and the exact amount that was late and how it was calculated? Please provide all three bureaus with a full report and the CFPB with this info and if this information can not be provided please update my credit report to paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
Hello, Upon reviewing my consumer report, I noticed late payment entries that appear to be inaccurate. I have always maintained on-time payments and have been a responsible consumer. As you know, consumer reporting agencies play a critical role in accurately reporting customer information, and it is imperative that this information reflects the truth. 
I have never missed a payment on the following account : XXXX XXXX-Installment XXXX XXXX XXXX XXXX XXXX XXXX  Equifax-Acct # XXXX Therefore, I am formally requesting an immediate investigation into this matter. Please provide supporting evidence, such as account statements or payment records, to validate the reported late payments. 
If these entries can not be substantiated, I request that the inaccurate late payment records be promptly corrected to reflect my actual on-time payment history. I take my financial obligations seriously and consistently meet them without delay. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and resolution Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
pre ordered a custom item from a seller and it was never delivered but kept promising to ship item and no is no longer responding to any communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? Ive observed inaccurate items on my credit report. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
They kept calling me telling me that I owe them and that they have my file in their office and that I owe so much money

Company response to consumer: Closed with explanation