vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
After submitting a negative review and filing a complaint with CFPB, PNC Bank took the remaining money out of my account, set it at a XXXX balance, and closed my account although Id told them I wanted to close the account AFTER I received ALL of my money. Theres a pending dispute of {$510.00} but PNC has retaliated against me for filing a complaint and for completing a negative, but honest online review of the bank. Since then, my rights as a consumer has been violated multiple times with this bank and they need to be held accountable. I will be seeking a consumer rights lawyer, and I will be in touch with my state attorney general regarding their unprofessional, unfair and deceptive practices. Today, Id called to see why my account had been closed, I was informed that the bank had the wrong unit number and couldnt verify my address. However, I never provided a unit number because my business does not have a unit number. It was just an excuse to try to justify illegally closing my account although I know it was due to retaliation. I had opened that account at the end of XXXX and my account was closed weeks later, right after I filed the complaint with CFPB. Im a XXXX  that suffers from XXXX and XXXX and this has caused me to seek therapy. Ive lost customers and money, my XXXX XXXX and XXXX  are extremely high and Im XXXX  over all of this due to this banks negligence, unfair and deceptive practices. I am seeking compensation for the distress, loss of customers, loss of money and for the inconvenience PNC has caused,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: UT

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all fraudulent inquiries in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C.

1681c-2 and to formally request the blocking of this erroneous data.

Enclosed is a copy of my Better Business Bureau ( BBB ) complaint as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft complaint by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information ap
pearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint.

These fraudulent, inaccurate, and unauthorized credit inquiries have appeared on my consumer FICO credit report without my consent.

I have attached copies of the inquiries in question as well as a copy of the consumer credit report maintained by your agency showing the fraudulent entries.

REMOVE IMMEDIATELY PLEASE THESE INQUIRIES. 
I do not recognize the aforementioned inquiries as authorized by me. 
These inquiries were not initiated, requested, or approved by me. They are the result of identity theft and unauthorized access to my credit file. 
I did not authorize the sharing of my non-public personal information or consent to its use for credit applications. 
Reporting or accessing my file without my written consent violates 15 U.S.C. 1681b ( Permissible Purposes ) and infringes upon my privacy rights under 15 U.S.C. 1681a ( 4 ).

These inquiries must be blocked or deleted immediately from my consumer credit report, under FCRA 605B. 
I am writing to notify you that I have fallen prey to identity theft. 
I have reached out to the XXXX XXXX XXXX XXXX XXXX XXXX and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent inquiries that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the unauthorized inquiries from my credit report. 

Listed below are the Inquiries that are being challenged XXXXXXXX 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Summary of the Dispute The vendor is not providing the service for which payment is being disputed. 
I canceled the service in early XXXX. 
The vendor shut down the service for alleged nonpayment. 
Apple Card ( Goldman Sachs ) claims payment was made and is pursuing collection, despite evidence that the vendor shut down the website ( failure to provide service ). 
Apple Card ( Goldman Sachs ) has reviewed the dispute twice and ruled in favor of the vendor both times. 
I have only spoken with customer service representatives, not investigators, and have received no meaningful assistance. 

Evidence of Non-Delivery of Service The vendor has failed to provide the service, as demonstrated by the following attachments : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX show that the website is not operational. Attachment XXXX confirms that the vendor closed the account and permanently deleted the files. Based on this evidence, the dispute should be resolved in my favor due to the vendors failure to provide the service. 

Background on Cancellation I canceled the service in early XXXX because I no longer needed the website and was dissatisfied with the vendors service and support. I no longer have the computer containing the original cancellation email, and my webmaster, who could have corroborated this, has passed away. I recently logged into the account to unsubscribe again, not because I failed to cancel in XXXX, but to prevent future billing if the dispute is not resolved in my favor. 

Concerns with Apple Card ( Goldman Sachs ) I have XXXX primary concerns with Apple Card ( Goldman Sachs ) : 1. Inadequate Investigation : I was never contacted by an investigator to discuss the vendors response or given an opportunity to address their claims, suggesting the investigation was insufficient. I have attached the letter they final sent me ( XX/XX/XXXX ) when I questioned the investigate ( Apple Card Investigation ).

2. Unauthorized Payment Information : I did not provide updated card information to the vendor after canceling the service. If Apple Card ( Goldman Sachs ) provided this information, it was without my consent.

3. Discrepancy in Payment and Service Shutdown : If Apple Card ( Goldman Sachs ) paid the vendor, as they claim, it is unclear why the vendor shut down the website for nonpayment. This raises questions about whether the payment was made and, if so, why the service was terminated. 

Request for Resolution Given the evidence of non-delivery of service and the procedural issues with Apple Card ( Goldman Sachs ), I request a full refund of the disputed charge and a thorough review of the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXL Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-10-24 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: AZ

Complaint narrative:
This complaint concerns XXXX XXXX  repeated violations of the Fair Credit Reporting Act XXXX XXXX by XXXX and the major credit bureaus. 

This is my XXXX XXXX third dispute XXXX XXXX XXXXegarding inaccurate reporting of a XXXX delinquency with no prior XXXX or XXXX late notations. Nelnets letter dated XX/XX/year>, stated no adjustment is needed, refusing to reinvestigate. Despite two previous disputes with Experian, Equifax, and TransUnion, the inaccurate data remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint concerns XXXX XXXX  repeated violations of the Fair Credit Reporting Act XXXX XXXX by XXXX and the major credit bureaus. 

This is my XXXX XXXX third dispute XXXX XXXX XXXXegarding inaccurate reporting of a XXXX delinquency with no prior XXXX or XXXX late notations. Nelnets letter dated XX/XX/year>, stated no adjustment is needed, refusing to reinvestigate. Despite two previous disputes with Experian, Equifax, and TransUnion, the inaccurate data remains.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened a new credit account with Barclays  recently in order to consolidate debt from other cards. I initiated a balance transfer from XXXX accounts, XXXX with XXXX credit for {$3100.00} ( {$150.00} transfer fee ) and XXXX from XXXX credit for {$2600.00} ( {$130.00} transfer fee ). On XX/XX/year>, Barclays initiated a transfer from XXXX XXXX in, the amount of {$2600.00} plus the {$130.00} transfer fee was duplicated. As a result, the maximum credit line for this new account was greatly exceeded. Even worse, my credit score has dropped XXXX points. The representative that I spoke to today from Barclays said that it could take two billing cycles for them to investigate the issue and that I would then receive a letter in the mail. My credit score will continue to be damaged by their error and will not be resolved even if they do accept blame for their error.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I deposited {$1800.00} into my account through the mobile deposit on regions app due to not being home before bank closes and being at work before bank opens check cleared the issuers account on XX/XX/year> but a hold was placed on my check by my bank. I called and asked what the hold was for and the gave me multiple reasons on why from fraud prevention to system timing out during processing to it not clearing on issuers side. I feel like I am getting the run around from thr customer service number and not a single person knows what is going on.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXXXXXX FRAUDULENT INQUIRIES : XXXXXX/XX/XXXXXX/XX/year> 2025

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation