vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On today XX/XX/year> XXXX Bank suspended my account without warning mind you my account is not overdrawn and nothing negative is going on. When I called them to verify why they said from a previous dispute filed a year ago. Now back in XXXX or XXXX they told me they would not honor my dispute and I had to pay them back {$1500.00} which I did successfully. In order to regain access to my account I was told I had to pay them and I paid them off in its entirely. I thought everything was resolved until today they claim they are re-investigating my claim from last year and suspending my account. When I asked to speak with a supervisor they rudely hung up the phone in my face. Said they dont have to put no one on the phone for me. If this is how they are treating their customers I feel someone should do something about 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 explanation
Consumer complaint received 2025-08-21 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: KY

Complaint narrative:
In XX/XX/2025, I visited a PNC branch to replace a compromised debit card related to confirmed fraud. I explicitly informed the employee this was due to unauthorized XXXX charges and requested full fraud safeguards. However, the employee failed to disable XXXX XXXX XXXX, which allowed the compromised credentials to remain active. 

As a result, a second wave of fraud occurred in XXXXXXXX XXXXspecifically XXXX unauthorized XXXX transactions totaling approximately {$470.00}. I received a provisional credit for only the first charge, with delays and inconsistent communication regarding the remaining XXXX. 

A XXXX video recording exists in which the branch employee acknowledges, on camera, that XXXX XXXX XXXX was left active. I also filed a police report, shared the case number with PNC, and requested all further communication be in writing. My request was ignored, and I was told by a representative that although compensation was warranted, 'PNC XXXX ' prohibited itand this policy could not be produced in writing upon request. 

Due to internal negligence, I lost wages from missing work, had to reroute all future in-person banking to avoid the responsible employee, and spent significant time dealing with law enforcement and XXXX to clean up the consequences of this failure. This failure not only violated standard fraud protocol but retraumatized me as a victimtwicedue to institutional negligence. 

Im seeking remediation not just for the disputed transactions ( which have since been credited ), but for the preventable harm caused by employee-level error and poor fraud handlingper Regulation XXXX and XXXX  consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is willfully violating the Fair Credit Reporting Act ( FCRA 611 ) by refusing to process my valid disputes. I submitted letters that clearly stated : I am the consumer. This dispute is directly from me, with proof of identity enclosed. I included my government-issued ID and two proofs of address. Despite this, Experian falsely claimed my disputes were not sent by me and refused to reinvestigate. 

Experian has provided no evidence to support this false claim. What proof do they have that I am not myself? Why would any random person dispute accounts on my behalf what could they possibly gain? This is nothing more than a fabricated excuse to avoid compliance with the law. 

I also disputed inaccurate addresses a month ago, again providing ID and proof of address. Experian refused to remove them, claiming they were connected to accounts, but provided no documentation. This keeps false information in my file and obstructs my rights. 

To make matters worse, I have now sent three letters in the last two months and Experian has failed to reinvestigate even once. When I called, I was told to keep sending more letters at my own expense. This is abusive, deceptive, and financially harmful. They have already violated the 30-day reinvestigation deadline. At this point, Experian has wasted two months of my time and forfeited any claim to reasonable time. I expect a quick response and resolution now not another delay. 
BUT Because Experian has already violated the 30-day FCRA reinvestigation deadline and wasted two months of my time, I am requesting an expedited response within 2 business days. Further delay would only compound their ongoing violation. 

AND Moving forward, once this complaint is resolved to my satisfaction, Experian must stop dismissing my disputes as unauthorized. The FCRA does not require a power of attorney for a consumer to send disputes, even if assistance is used. If Experian continues this behavior, I will escalate not only with the CFPB, but also with the FTC, my state attorney general, and I will pursue legal action for willful noncompliance. 

Requested Resolution : Immediately reinvestigate my disputes. 
Delete inaccurate addresses. 
Stop falsely labeling my disputes as unauthorized. 
Cease causing me financial harm by forcing repeated mailings. 
Provide a timely response since they already violated the XXXX0-day deadline and wasted two months of my time.

Experians conduct is deliberate, unlawful, and must be corrected immediately.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: LA

Complaint narrative:
I am writing to express my concern regarding issues I've been experiencing with accessing my money through the Direct Express card. Despite verifying my identity with the company multiple times, I have faced difficulties in obtaining access to my funds. 

As per the regulations governing the Direct Express program, which is designed for federal benefit recipients, beneficiaries should have secure and reliable access to their funds. The Direct Express card is intended to provide a safe and convenient way to receive and manage federal benefits. 

I have been verifying my identity with the company as requested, yet I continue to encounter issues with accessing my money. I would appreciate it if you could look into this matter and ensure that I have proper access to my funds as intended by the program. 

Could you please : - Review my account and verify my identity as per the company 's procedures - Ensure that I have full access to my funds on the Direct Express card - Provide any additional steps I need to take to resolve this issue Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Re : Complaint Against Planet Home Lending LLC- FDCPA Violation ( Failure to Provide Debt Validation Notice ) To Whom It May Concern : I am submitting this complaint against Planet Home Lending LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.S 1692g Planet Home Lending began contacting me regarding an alleged debt but failed to send me the required written debt validation notice within five ( 5 ) days of their initial communication. This is a clear violation of federal law.

I sent and Filed a Quiet Title lawsuit and a Notice of Liability letter to Planet Home Lending a formal FDCPA violation notice and dispute letter demanding that they : 1. Cease allcollection activity until proper validation is provided 2. Provide written validation of the alleged debt, including chain of title and assignment, 3. Remove any inaccurate reporting from my credit file To date, Planet Home Lending has failed to comply. They continue to report this account to the credit bureaus despite not providing validation, which is both unlawful collection activity under FDCPA and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 
Relief Requested from CFPB : Investigate Planet Home Lending LLC 's unlawful practices, Order them to delete this unverified tradeline from my credit report, Require them to cease collection activity until proper validation is provided Impose penalties for FDCPA violations and ensure compliance going forward. 
Thank you for your assistance in protecting my rights under federal consumer protection laws. 
Respectfully. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I initially called on XX/XX/year> for an update on my account, because I'm in the process of purchasing our first home and this being on my Chase account is holding up the process. I was told to call back the XX/XX/year> for an update, because they're doing more research on the check. 

I called back XX/XX/year> to be told I need to call the next day for the official update, because they're still doing research. 

I called back on XX/XX/year> to be told that the check was received by Chase on XX/XX/year> and the check was cleared on XX/XX/year>, they just need at least 10 business days to do research, and I need to call back on XX/XX/year>. 

I called on XX/XX/year> to be told that they're still doing research. At this point, I've asked for this to be escalated and an answer immediately, because again, this is holding up our mortgage being processed. I was told on this call that XXXX would be calling me back by the end of the day with an update. 

I called back today, XX/XX/year>, to be told that they have sent it over to another team, who has not looked into this at all, it is waiting in the queue to be assigned. It may or may not be looked at and/or handled today. They can not escalate this anymore, assign the ticket, or call into the center to have someone look at this ticket for me. 

I still have the loan on my account, they didn't assign this check properly within their systems, did not do thorough research on my initial THREE calls in, and I'm still waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a late payment entry currently appearing on my credit report. My records demonstrate that all payments were made on time. The reported late entry is inaccurate and unjustly affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

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 ( FCBA ) 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 2025-08-21 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:
In XX/XX/XXXX, my XXXX XXXX XXXX  were paused under the XXXX XXXX. When repayment resumed, my loan was transferred to a servicer called XXXX. I had never heard of this company before and did not receive any notice of the transfer or resumption of payments. 

When I checked my credit report in XX/XX/XXXXXXXX XXXX I discovered that the loan was being reported as over 300 days delinquent. This severely damaged my credit score. 

I called the servicer and learned they were using a mailing address from 7 years ago, an old college email address, and a phone number with the wrong area code. Because of this, I never received any billing statements, reminders, or notices. The company told me it was my responsibility to update my information, even though I had no knowledge of them and had never received communication at my current contact information. 

I have always paid my mortgage and car loan on time and had no reason to ignore a XXXX XXXXXXXX payment. This delinquency is inaccurate and misleading because I was not given a fair chance to pay. 

I request that this negative reporting be corrected or deleted from my credit report and that the CFPB investigate whether the servicer met its obligations to properly notify me of the transfer and repayment resumption.

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 2025-08-21 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: FL

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX XXXX  were paused under the XXXX XXXX. When repayment resumed, my loan was transferred to a servicer called XXXX I had never heard of this company before and did not receive any notice of the transfer or resumption of payments. 

When I checked my credit report in XX/XX/XXXX, I discovered that the loan was being reported as over 300 days delinquent. This severely damaged my credit score. 

I called the servicer and learned they were using a mailing address from 7 years ago, an old college email address, and a phone number with the wrong area code. Because of this, I never received any billing statements, reminders, or notices. The company told me it was my responsibility to update my information, even though I had no knowledge of them and had never received communication at my current contact information. 

I have always paid my mortgage and car loan on time and had no reason to ignore a XXXX XXXXXXXX payment. This delinquency is inaccurate and misleading because I was not given a fair chance to pay. 

I request that this negative reporting be corrected or deleted from my credit report and that the CFPB investigate whether the servicer met its obligations to properly notify me of the transfer and repayment resumption.

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 2025-08-21 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: IL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
CUSTOMER NEVER RESPONDED TO SHOW PROOF OF ACCOUNT OWNERSHIP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX XXXX 
Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXXXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief