vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank XXXX XXXX XXXX, MI XXXX XXXX On Friday, XXXX I went to the PNC bank in XXXX XXXX MI XXXX All I wanted to do was go through the ATM and deposit {$350.00} into my checking account. 
I deposited {$350.00} in cash. It spit out {$5.00} and said that it was too many bills. So, I put the {$5.00} back in expecting for the transaction to finish like it has in the past. 

Instead, the machine said my transaction was cancelled and never spit out the cash back out to me. In addition, it did not deposit the funds into my account. 

So, I went inside the branch bank. Where are the tellers? Why aren't there enough people working on a FRIDAY where most people get paid and are paying their bills. 

Instead, there was XXXX man who was a loan officer working with XXXX customer for XXXX min. The lady working took her sweet time with another customer.... handing out candy and not even getting to work for at least XXXX min. The customer only needed a cashier check. How long should that take>? Definitely not XXXX minutes. There was absolutely no urgency to get through the line and to help ALL of the waiting customers. While I was there, XXXX customers left. Then, I finally did. I had to go. I ran out of time. 

For what? Something somewhat simple. To speak with a human about their broken ATM machine so I could get my funds back. 

Seriously.... This place is ridiculous. Hire more people Stop being so XXXX cheap PNC. 

This branch needs to go back to having actually humans working with people. IN that XXXX min. I was there, they lost XXXX customers. What is wrong with this picture? As long as they have our money.... that's all that's important, right? It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC 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 non-monetary relief
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Opened a Checking account with the promise of an offer of {$400.00} once XXXX deposits were made totaling {$1000.00}. I found out today the account had to have XXXX at time of review. The review was made XX/XX/year> and a positive balance was on account as of XX/XX/year>. They are denying the offer based on balance not updated yesterday even though it showed positive balance over 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 2025-11-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
These accounts are not associated with me ; please remove them within XXXX days in line with USC 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 2025-11-21 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: IL

Complaint narrative:
Subject : Demand for Immediate Deletion from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605 B 15 U.S.C. 1681c-2. I am writing to demand the immediate deletion of any entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following entries to be deleted : XXXX XXXX - XXXX ( opened XX/XX/year> ) XXXX XXXX XXXX - XXXX ( opened XX/XX/year> ) I assert that these entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Subject : Demand for Immediate Deletion from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605 B 15 U.S.C. 1681c-2. I am writing to demand the immediate deletion of any entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following entries to be deleted : XXXX XXXX - XXXX ( opened XX/XX/year> ) XXXX XXXX XXXX - XXXX ( opened XX/XX/year> ) I assert that these entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

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 2025-11-21 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: GA

Complaint narrative:
I have no links with these accounts ; please remove them within XXXX days in accordance with USC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I want this nightmare to end I keep getting calls threats and I have no idea how it occurred on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX of 2025 I sent a PayPal payment of XXXX to my husbands account to pay a bill and PayPal immediately limited his account with no explanation. I was told by PayPal to dispute with my bank to retrieve my funds back and I did and my bank gave me a provisional credit while the investigation took place. Today XX/XX/year> my bank reversed that credit and stated PayPal denied the reversal after they stated to me that they would work with my bank and refund those funds. The funds are still stuck in my husbands PayPal account and they are illegally holding them without probable cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report. Below are the details of the accounts that I am disputing with each credit bureau : Charged-Off Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2800.00} XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$6000.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$4800.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$4900.00} Inquiries : 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 2025-11-21 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple serious inaccuracies on my credit reports that are negatively impacting my creditworthiness and reputation. Despite my efforts to correct these errors with the credit bureaus and furnishers, these false and misleading items continue to appear. I am requesting the CFPBs immediate assistance in investigating and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). 

The inaccurate items are as follows : Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX This is not my current or previous address. I have no connection whatsoever to this location. I request that this inaccurate address be permanently deleted from my credit profile. 

XXXX XXXX XXXX  ( SS # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$1000.00} This account is being reported with a late payment history, which is completely inaccurate. I have never made any late payments to this creditor. The reporting of this false delinquency is damaging my credit standing and violates FCRA 607 ( b ), which requires data furnishers to report accurate information. I request that the late payment status be immediately corrected to show a perfect payment history. 

XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$3000.00} This account is being reported as a charge-off, which is entirely incorrect. I have no knowledge of this account, and I never authorized or opened it. This appears to be either a case of mistaken identity or identity theft. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), I request that this fraudulent charge-off account be deleted immediately. 

XXXX XXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$40000.00} I have no knowledge of this account and have never had any financial relationship with this entity. This account is false and unverifiable, and must be removed immediately from my credit reports under FCRA 611. 

These inaccurate entries are causing significant harm to my credit score, financial reputation, and overall well-being. I am requesting a complete investigation into each of these items and the enforcement of my rights under the Fair Credit Reporting Act. 

Please ensure that each data furnisher and credit bureau involved ( Equifax, XXXX, and XXXX  ) conducts a thorough reinvestigation and provides written verification of their findings within the time frame prescribed by law. 

Thank you for your prompt attention to this matter. I expect a full and fair resolution, including written confirmation of corrections or deletions, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet, you quoted the FCRA to me like you were doing me a favor, but since you cited the law, I need you to follow it. I am factually disputing this account because the late-payment data you furnished is NOT accurate across all three credit bureaus, which is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and XXXX XXXX  reporting standards. I did not ask you for a favor or goodwill adjustment I am telling you the data you furnished is incorrect, inconsistent, and legally must be corrected. 
Here are the factual inaccuracies : XX/XX/year> you reported XXXX  across all bureaus XX/XX/year> you reported nothing at all to any bureau XX/XX/year> XXXX  shows 90 days late, XXXX  shows XXXX XXXX, XXXX  shows 90 days late XX/XX/year> XXXX  shows XXXX  XXXX XXXX  shows 90 days late, XXXX  shows XXXX XXXX  Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), data must be complete, correct, and consistent, and yours is not. Your response completely ignored the core issue : the late payments you furnished are factually inaccurate and conflict across all three CRAs. You are legally obligated to fix the errors regardless of deferment, forbearance, or any internal policies. Your letter also admitted you do not furnish delinquencies until 90 days, but your reporting contradicts even that rule, because you can not report someone 90 days late when you didnt even report 30 or 60 days late or when you reported XXXX XXXX for those same months. That is a direct violation of Metro 2 Payment Rating rules, FCRA 623 ( a ), and FCRA 607 ( b ) ( maximum accuracy requirement ). I am not asking I am demanding compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting this statement to dispute the following inaccuracies on my credit report. The accounts in question do not accurately reflect my credit history, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues. The following is a breakdown of the accounts under dispute, separated by credit bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$15000.00} Late Payment : XXXX XXXX XXXX  Account Number : XXXX Late Payment Date : [ Please provide the specific date of the late payment ]

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 2025-11-21 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-21 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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