vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I filed a bankruptcy after my divorce in XXXX which was discharged in XX/XX/XXXX. I did not have a lawyer for this. When I sent the discharge paperwork to PNC I thought that would clear my home from bankrupt status. I continued to live in the home and pay payments and still am. In XXXX after XXXX  hardship I only was allowed a small portion of assistance because it was not taken out of bankruptcy status so I sent them another copy of my discharge. Now its XXXX and still they will not report to the credit bureau because I did not provide them with a real affirmation document from the courts. I have petition the courts to get this reaffirmation but because of the length of time since the bankruptcy even though Ive continued to make my payments they will not provide me with that form and my mortgage company refuses to report it to the credit bureau. my loan is in good standing and has remained in good standing since XXXX and I just want it reported to the credit bureau and my loan to be reaffirmed. I was told that because it is real property there is no need for a re-affirmation as long as I made my payments for 12 months. Pnc Mortgage states it is their policy without the affirmation document from the court they will not reaffirm my Mortgage or report it to the credit bureau. This loan not being reaffirmed is causing me complications to get a streamline repair on my mortgage that was established in XXXX and is not being handled appropriately most of my payments still go only towards interest not towards principal so the loan is not paying down. Pnc Mortgage has removed my title from the original title holder according to FHA because I did not reaffirm my Mortgage. I want this reported to the credit bureaus and I want this corrected I have been in good standing and in good faith with this Mortgage and its secured property there is no reason why it should not be reflecting on my credit report and that it should not be removed from bankrupt status so that I can continue on in good standing and make good choices for the rest of my life. Please help me get this reaffirmed I have done everything I can on my part the XXXX XXXX bankruptcy XXXX says this is not their problem and unless I go back through the bankruptcy then I will not be able to get this corrected which this is not fair it is discrimination because XXXX a single mom and I struggle to make all these payments and XXXX finally at a place to make good choices for the rest of my future for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Today - XX/XX/2025 I received notice from XXXX XXXX that my first successful payment was made on my new account... I have not opened any new accounts. About a month ago I was in contact with XXXX about a new account opened in my name as a hard-hit on my credit reporting. I contacted the company and stated this was not me, do not open the account. They did anyway. I have called them to tell them and without a police report they will not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America credit card charged off XX/XX/XXXX {$4800.00} Account ending in : XXXX {$2500.00} XXXX XX/XX/XXXX received pop payment for charged off account which already reported to credit bureaus. Explained by escalations XXXX XXXX XXXX XXXX set fail to make payment and monies is taken from any account to recover funds. Charge off after all efforts of collection have been exhausted, meanings calls, letters, not including emails., the account is reported to the credit bureau that the money is not collectible from the customer. 1099c is acknowledged as receipt of charge off, however was told that it could take 10 years to get from Bank of America, if one is effectively requested. I am disputing these statements as misleading. I requested a receipt for my payment of XXXX and was placed on hold XX/XX/XXXX to hear that there was no readily available receipt to provide me, the consumers for my payment. Then also I am being reported to consumer bureau agencies that I owe {$4800.00} in unrecoverable assets, however BoA effectively received {$2500.00} confirmed in XXXX. However they are still reporting for the last 11 months that I effectively still owe {$4800.00}. This is a violation for negligence to report accurately to a consumer reporting agency. I am prepared to move forward with an attorney for liquid damages and remedy.

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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I tried to log in to my Coinbase account. I got a message stating I had to update acct. I followed the directions and called the coinbase number that was listed. I went through the steps with who I thought was coinbase. after updating info I was able to login. About XXXX minutes later I got a text saying my transfer transaction was successful. I did not transfer anything. XXXX was transferred to someone which was all my small amount of XXXX. I immediately called coinbase and was told it was a scam bc they had no record of the call. I filled a XXXX report also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. 

The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX XXXX Account No. XXXX Date Opened/Reported : XX/XX/XXXX  Legal Basis : 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumer dispute. To date, I have not received this documentation. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a risk that inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to 1681i ( a ) ( 5 ), I request that all unverifiable information be deleted.

Failure to Investigate Properly : 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete investigation within the 30-day timeframe required by law. The results failed to adequately resolve my concerns.

15 U.S.C. 1681c-2 : Credit bureaus are required to block identity theft-related information within four business days of receiving a valid identity theft report.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be removed from my report.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue XXXX XXXX and has significantly affected XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX  with these unresolved discrepancies has been XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received a targeted mail offer from American Express offering XXXX XXXX XXXX  points after spending {$6000.00} on a new XXXX XXXX. The letter included a unique code, which I used to apply. 

I was never told or shown during the application process that I was ineligible for the bonus and had I seen such a message, I would have never proceeded. I met the full spend requirement, used the card for over XXXX  months, and even called Amex to confirm the points would post after XXXX  months. They said it would be fine. 

Now Amex claims I " consented '' to forfeit the bonus, which is completely false. They also say I was " informed '' of my ineligibility again, completely false. They knowingly marketed an offer to me, took my spend, took the annual fee, then used internal criteria they never disclosed to deny the bonus. 

This is a deceptive business practice, and their customer service has been incredibly dismissive. Ive spent hours on XXXX XXXX XXXX calls being told conflicting and inaccurate information. I feel scammed, and I am extremely fXXXX by the way this has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  - Account Number : XXXX  * * * * * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$84.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX  BANK NA Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-06-03 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: FL

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 ( XXXX ) 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 2025-06-03 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: FL

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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and request validation of the above-referenced account, which appears on my credit report. This account, listed as a charge-off, is being reported by your organization and may be damaging my credit file without proper legal verification.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting the following information : The name and address of the original creditor The full amount and itemized breakdown of the alleged debt A copy of the original signed contract or agreement showing my obligation to pay this debt Proof that you are legally authorized to collect in my state, and that you are the rightful owner or assignee of the alleged debt A full accounting of how the balan
ce was calculated including interest, fees, and payments A copy of any judgment, if applicable Under the FDCPA, I am entitled to this information before you may proceed with collection efforts. Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, any party that reports information to a credit bureau must ensure it is complete and accurate. Reporting unverifiable, inaccurate, or unvalidated information violates my consumer rights.

Until this account is properly validated, you must : Cease all collection efforts, including phone calls and mailings Refrain from reporting or re-reporting this debt to any credit reporting agency Immediately delete this account from my credit file if you can not provide full validation within 30 days Please note that I am documenting this request for legal purposes. If you do not respond within the required time frame or fail to provide sufficient validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-06-03 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: CT

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Experian credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 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