vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing to formally dispute a processing transaction to at resulted in a negative balance on my PNC checking account # XXXX on XX/XX/year> despite having an opt-out from overdraft protection when opening my account. I previously opted out of overdraft protection again as documented and confirmed that I do not authorize PNC Bank to approve debit or ATM transactions that exceed my available balance. 
However, on XX/XX/year> XXXX transaction processed from XXXX XXXX both in the amount of {$400.00} each totaling {$800.00} was allowed to overdraw my account, even though I did not have any funds available in my account.. This resulted in a negative balance of {$780.00} which I believe was charged in error and should have never went through as we agreed on no overdraft when I opened my account. 
These transactions should have been declined in accordance with my opt-out status regarding overdraft protection. While I was not charged overdraft fees, the allowance of these charges directly contradicts the terms of my account and violates my rights under Regulation E of the Electronic Fund Transfer Act ( 12 CFR 1005.17 ), which requires my affirmative consent before overdrafts can be authorized for ATM or one-time debit card transactions.Under the Truth in Savings Act TISA Regulation DD requires banks to disclose terms and conditions of deposit accounts, including overdraft services. If my account said no overdrafts will be allowed, and the bank does anyway, that can be considered deceptively or misleading conduct and a breach of contract agreement between me and PNC. 
Allowing these transactions to go through not only breached the agreement I made when opting out, but has also created an unjust financial burden by leaving me with a substantial negative balance. This is a clear breach of contract and an unfair practice under both federal banking regulations and your publicly stated policies. 
I request immediate reversal of these charges and a written explanation of how my opt-out was allegedly overridden without any funds in my account. 
I respectfully request the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, and XXXX personally filing this complaintthere is no third party involved. XXXX trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. 
Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-17 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My vehicle was repossessed by Toyota Financial Services, and I contacted them immediately after the repossession to request a reinstatement quote so I could recover my car. I made it clear that I was the registered owner and ready to pay the full amount required to reinstate the loan.

Toyota informed me I would need to wait up to 3 full business days just to receive the reinstatement amount. This delay is unreasonable and harmful, especially since I am being charged daily storage fees by the towing agent ( XXXX XXXX  ). I have the funds ready, and Toyotas refusal to provide the amount in a timely manner is preventing me from recovering my vehicle and may result in it being auctioned.

I am requesting that Toyota immediately provide the reinstatement breakdown and release my vehicle before further financial damage occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-17 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate XXXX XXXX They are non compliant with the FCRA. These erroneous reports XXXX  XXXX  my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Under the XXXX  procedural rules I am requesting proof of how these accounts were verified including the contracts/lease, payment history and dates of delinquencies.

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 2025-06-17 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:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ). i am disputing this item because it is unauthorized and by law permission is needed to put things on my credit report it is illegal to report information on my credit report without my permission thank you please remove from my credit report now as per FCRA section 605B please remove I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mc + 281 SW 715,719, I presume that no proof of the allegea debt, nor therefore any such debt, in fact therefore exists

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 2025-06-17 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:
As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ). i am disputing this item because it is unauthorized and by law permission is needed to put things on my credit report it is illegal to report information on my credit report without my permission thank you please remove from my credit report now as per FCRA section XXXXB please remove I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX + XXXX XXXX XXXX, I presume that no proof of the allegea debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I previously disputed a debt account being reported by XXXX XXXX XXXX to TransUnion. XXXX XXXX XXXX both deleted the account after failing to verify it. However, TransUnion continues to report it with a balance of {$2000.00}, despite a lack of proper validation. This raises concerns under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( b ) and XXXX, as the reporting XXXX be inaccurate or unverifiable. 

XXXX XXXX XXXX responded to my previous CFPB complaint, claiming they sent a debt validation letter and provided internal records, a bill of sale, and a transaction summary. However, they failed to include key validation documents such as a signed agreement, complete itemization of the debt, or a detailed accounting to prove the amount is accurate and owed by me. The documentation provided does not meet the standard of proper verification under XXXX XXXX. XXXX. 

Because the other credit bureaus removed this account, TransUnion 's continued reporting creates an inconsistency that XXXX be misleading or inaccurate. I am requesting that the CFPB ask TransUnion to delete the account or provide clear documentation of how they verified it.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to formally request the removal of the security freeze currently placed on my credit report. At this time, I need my credit report to be accessible to authorized lenders or institutions for upcoming financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am extremely upset. I am XXXX XXXX XXXX and just had huge XXXX XXXX and had just gotten out of the XXXX XXXX XXXX XXXX I went to the ATM machine at Chase Bank on the corner of XXXX in XXXX. Here is what transpired and dates/times : XX/XX/XXXX approx XXXXXXXX XXXX XXXX Withdrew {$200.00} and while I was taking the money out, a white, clean cut male, told me that I had dropped {$20.00} on the ground, I explained I just had XXXX XXXX and cant bend, and asked if he would pick it up for her. I thanked him. But he actually was a professional con man that was just distracting me so he could take my ATM card. He had been looking over my shoulder to see the PIN number. I left the bank and went home. 

XXXX XXXX XXXX  Chase sent a fraud alert asking if I took out {$900.00}. When I saw the message, I replied NO. The ATM machine recognized it was fraud and did not let him take the money out. 

XXXXXXXX XXXX  : I get a message from Chase saying I need to call the number on the back of my card. I dont have the card because the man stole it, so I physically went over to the branch. They advise me that he took out {$4400.00} through a teller. They did not ask him for ID because he had the pin number. The branch escalated the claim. 

A few days later I get a call saying the claim is denied because I benefitted from the withdrawal. That is the most absurd thing I have ever heard. The entire thing is on their footage security. I am so upset, I can not believe they didnt reverse this immediately. I have been a customer for 25 years and it is so obvious what happened, all they need to do is look at the security footage. They said I need to get subpoena. I called the police and have reported all the information. I want the man caught and I want my money back. {$4400.00} is A LOT of money. I am so upset and do not know what to do. I am XXXX XXXX XXXX, recovering from XXXX, reported immediately and it is absolutely absurd and not acceptable that Chase is not crediting my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-06-17 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 non-monetary relief
Consumer complaint received 2025-06-17 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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-06-17 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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