vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-07 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> and XX/XX/year>, Savor Capital One Credit card, XXXX XXXX 10 % rebate and XXXX XXXXXXXX 5 % rebate Clicked on promotion for credit back for buying items from merchant. Never received the credit though charges were found on my statements to show purchases from merchants. Customer service person advised it was something at the merchant not allowing credit though Customer service rep saw purchases and even saw I chose those merchants offers accepted. Feel they baited into purchases to use their credit card instead of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, my bank rejected a payment request from the mortgage company under the code XXXX ( this code was provided to me by the mortgage company themselves ). On XX/XX/XXXX the same thing occurred. There was money in the account but they never even got to checking account balance because the bank rejected the request. 

I spoke with someone in XXXX and they told me nothing could be done. I started a conversation with someone today ( XX/XX/XXXX ) and they informed me they could not remove the fee because it was NSF even though they admitted to me it was XXXX.

I responded with : " An NSF ( Non-Sufficient Funds ) fee implies : The account was valid, The ACH was accepted, But there wasnt enough money to cover it. XXXX  doesnt fit that scenario at all the system never even checked my balance because the transaction type was rejected before funds were verified. Per CFPB guidance, a servicer may not assess fees that do not accurately reflect the reason for a returned payment. Since this return was not due to insufficient funds, this NSF fee is not valid. '' XXXX different fees of {$35.00} were applied totaling {$70.00}. Because of the information they provided me and knowing I had money in that account, I know this can't be a NSF. It was the first XXXX payments of my new mortgage from a credit union and since then I have made every payment on time and in full. The continuously rejected my information, stating they had spoken to a supervisor and then proceeded to kick me out of the chat.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit file contains multiple inaccurate, outdated, and unassociated personal identifiers that violate the accuracy requirements under 15 U.S.C. 1681e ( b ) and 1681i of the Fair Credit Reporting Act ( FCRA ).

The credit bureau is currently reporting incorrect names, outdated addresses, wrong phone numbers, and employers that are not mine. This information is not only inaccurate but also increases the risk of file mixing and identity theft. 

Below is a detailed breakdown of the information that must be removed from my credit file : Names to be deleted : 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 Correct name to remain : XXXX XXXX ( as it appears on my valid Florida Drivers License ). 

Addresses to be deleted : All addresses except my current residence at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone numbers to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct number to remain : ( XXXX ) XXXX Employers to be deleted : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct employer to remain XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of my valid Florida Drivers License showing my legal name and current address. The bureaus failure to maintain accurate identifiers is a violation of federal law. I am requesting that the CFPB enforce immediate correction of my credit file to prevent further harm.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Summary of Complaint My PNC Bank customer info is : XXXX XXXX Business : XXXX XXXX XXXX Email : XXXX Phone Number ( XXXX ) : XXXX and XXXX Last 4 of SSN : XXXX XXXX : XXXX XXXX : XX/XX/XXXX I am filing this complaint against PNC Bank for mishandling my dispute of {$1200.00} in charges to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite overwhelming documentationincluding vendor admissions of non-delivery, refund promises, and harassmentPNC only refunded {$530.00} and refused to return the remaining {$700.00}. This decision violates Regulation E, which requires a full refund for services not rendered. 

Detailed Issues Non-Delivery of Services : The vendor missed the XX/XX/XXXX deadline for four contracted translations ( XXXX, XXXX, XXXX, XXXX ) and admitted they were never completed. 

Vendor Refund Admissions : XXXX representatives admitted fault and promised staged refunds totaling {$600.00}. These refunds were never issued in full, leaving me with partial credit only. 

False Representations to PNC : After acknowledging refunds were owed, XXXX falsely told PNC that deliverables were still in progress. 

Harassment & Bad Faith : When I pursued a dispute, XXXX harassed me, threatened to delete my work, and pressured me to cancel the disputes. 

PNCs Mishandling : Despite clear evidenceincluding XXXX own error reports confirming failed distributionPNC accepted the vendors false claims and refused to reverse the full amount. 


Harm Suffered PNCs failure to honor Regulation E protections has caused me financial harm by leaving {$700.00} unrecovered, despite proven fraud and non-performance. 

Requested Relief I respectfully request the CFPB require PNC Bank to : 1. Refund the remaining {$700.00}, restoring the full {$1200.00}. 


XXXX Review and correct its dispute-handling practices, ensuring that consumer evidence and vendor admissions are properly weighed over misrepresentations. 


XXXX. Provide assurance that similar mishandling will not occur for future disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have requested the camera footage via the XXXX XXXX depart in XXXX, Florida for the stolen funds case ( XXXX ) : XXXX and XXXX. 
We were also told that we would get the stolen money back within XXXX hous, which then change several times until they got to the " up to XXXX days '' response. I then requested a temporary credit until they single out why the bank allowed a person the clean out my account in multiple transactions from a teller in the bank within a matter of minutes from both my checkings and savings account. They did not call or send an email to let me know why, this was founded when I I called about the request just o be told that it took place within the geograpical area of where I live. The problem I have with that is I do not live any where near the bank that this took place ( over XXXX miles away )! When I called to speak with the XXXX at the ranch it was very difficut to get through to anyone and then when I did, I was difficut to have a sensible conversation with the " assisstant branch manage '' because the the branch XXXX was " XXXX of town ''. I am very interested in why the bank teller would feel comfortable with allowing several tranasactions ( XXXX to be exact ) all in XXXX setting. This is very upsetting as a member of this bank FOR over 15 years! I deserve my money to be returned, the resources needed to press charges, and some sensible answers. The Bank of America that reflects on my statement is located at : XXXX XXXX XXXX, Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : AFFIRM INC - XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian has failed to unlock my credit file, even after I submitted a written request months ago. I originally asked Experian in XX/XX/year> to remove the lock or freeze placed on my file, but to this day, XX/XX/year>, it still remains locked. 

This ongoing issue has been preventing me from properly managing my credit. I am actively handling open disputes, checking for updates, and monitoring my credit restoration progress. Having my file locked stops me from accessing important updates and from applying for legitimate financial services that require a credit check. 

I fully understand the purpose of a credit lock and appreciate the security it provides, but in this situation, it is doing the opposite its interfering with my right to access and review my credit information. I am not requesting removal of security protections ; Im simply asking Experian to unlock my file so I can manage it responsibly. 

Experian has not provided any explanation or resolution since I first contacted them, and my follow-up requests have gone unanswered. Ive already taken every necessary precaution on my own, including filing reports with the CFPB and placing fraud alerts when appropriate. Despite this, I still cant access my Experian credit report. 

I believe Experians failure to respond or take corrective action violates my right under the Fair Credit Reporting Act ( FCRA ) to access my own credit file and ensure its accuracy. Im asking for the immediate removal of any lock or freeze currently on my credit report so that I can monitor and manage my credit information freely.

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 2025-10-07 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-07 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I purchased my home in XXXX, XXXX and put 10 % down on the loan which required PMI insurance. When I sold my previous home in XXXX of XXXX, I sent those proceeds to Alliant Credit Union which lowered my XXXX lower than the XXXX  % threshold and requested that my PMI be cancelled. 

I have been going back and forth with Alliant to have the PMI cancelled and they are requiring another appraisal at a cost of {$650.00} to remove the PMI. I spoke with them in XXXX and now again today ( XX/XX/XXXX ) asking why I need the appraisal when my XXXX ratio is at XXXX  %, significantly lower than the XXXX % and they couldn't respond only that they would look into it. I've been waiting for their rationale since XXXX and it is now XXXX. 

I have never missed or been late on a payment since the inception of this loan and feel they are keeping the PMI coverage on my loan in violation of the Homeowners Protection Act of XXXX and need your help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-07 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The account was for an interest-free amount if paid off within the allotted time with no late payments. The account was set up for auto-payment. The company discontinued the autopayment. ( Funds were available for withdrawal on the autopayment date. ) I was unaware that they stopped the autopayment. I have now incurred late fees and interest charges and a Derogatory Report send to the credit reporting agency. 
I view this as a scam to make sure they get extra fees. 
I called, but I was unable to understand the person on the phone, and messaging them through their website has given no response. 

The company is XXXX XXXX. It was offered to my at the dental office.

Company response to consumer: Closed with monetary relief