vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I am filing this complaint regarding PNC Banks improper handling of a {$7500.00} U.S. Treasury check made payable to me and my wife. The bank appears to be in violation of federal funds availability rules under XXXX XXXX, and I request that this matter be formally investigated. 

On or about XX/XX/year>, I deposited the check into a joint account held by both payees ( myself and my spouse ) at a PNC branch. This check was issued by the U.S. Department of the Treasury, and under 12 CFR 229.10 ( c ) ( 1 ) ( i ), funds from such checks must be made available no later than the next business day when deposited in person to an employee of the bank. 

On XX/XX/XXXX, the funds appeared available, and I transferred them to another linked account. Later that day, PNC reversed the transfer, withdrew the funds from the second account, and made the joint account negative the full amount of {$7500.00}, claiming they were holding the funds until XX/XX/year> to make sure the check clears. 

This is not permitted under XXXX XXXX. Treasury checks deposited into an account in the name of both payees do not qualify for extended holds, and PNC failed to provide any legally valid exception hold notice or specific justification beyond a generic verbal claim of possible fraud or collection risk.

Further, the bank provided a letter on a prior attempt to deposit the same check into my personal account ( which was properly rejected for having only one payee on the account ), stating that the check was legitimate and legally valid. Once re-deposited into the correct joint account, the bank had no grounds to withhold the funds, reverse posted transfers, or make the account negative.

This situation has caused financial disruption, and if the funds had been used to pay time-sensitive bills, I could have incurred overdraft or returned payment charges. 

I am requesting that this matter be investigated as a potential violation of XXXX XXXX and that corrective action be taken to prevent future misconduct. The banks actions may reflect a broader pattern of withholding funds beyond allowable limits without legal justification or proper consumer notice. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
I am filing this complaint against Advance Financial XXXX for refusing to close my line of credit account despite my repeated requests. I currently owe a balance of approximately {$1500.00}. I have not taken any additional advances recently, yet the balance continues to increase due to interest and/or fees. 

When I contacted their customer service by phone, I clearly stated that I wanted to close the account to stop any further borrowing and simply continue paying down the balance. I did not ask for debt forgiveness only that the line of credit be closed and locked to new advances. 

Their representative refused, stating that they can not close the account because there is a balance. This is both misleading and abusive. I have the right to stop access to new credit and pay off what I owe without having the balance continue to grow from future draws or system-generated re-advances. 

Additionally, Advance Financial provides no way to submit a written request through their online portal, and they do not provide an email for account management. Their actions are predatory and designed to keep consumers trapped in high-interest debt cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
ThisCFPBcomplaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account opened 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  .accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery calls using different spoofed numbers. The # s have my same area code to make the call seem local so I'll be tricked into answering. Each call uses a different number. But I guess they don't know their name still shows up with each number every time. I've blocked dozens of numbers from them over the past few weeks. I've even read them a script telling them to stop or I will report them. They did not adhere to my wishes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment.

4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature.

6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA.

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
Back in XXXX  cashapp closed my account with my funds still on it. It wouldnt let me take my cards off send my money to anyone to get it off or anything everytime I have tried to make a new account with my information they will lock me out and I havent been able to make one since, I have tried to use my social and name and it wont let me create an account what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate. 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 recently looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate. 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I initiated a dispute with the bank on XX/XX/XXXX for a transaction totaling {$69.00}, after the merchant charged me but failed to deliver the merchandise that had been ordered. The bank repeatedly refused to properly investigate the dispute. It was only after several days of arguing with them that they finally began to investigate, however to date they have refused to issue a provisional credit even though it has been well more than 10 business days since I initiated the dispute. The bank claims that they can take as long as they want to provide a resolution, and that they do not have to comply with Federal law, specifically Regulations E in their handling of this dispute. As such they have stated they do not issue provisional credits regardless of what the law says. To add insult to injury, the merchant has advised me that the bank clawed back the money from them more than 2 weeks ago, meaning the bank has enriched themselves with the funds from this order, while refusing to even issue me a provisional credit. As a result I have and will continue to suffer irreparable harm, including incurring substantial finance charges after I had to take out a cash advance to pay my bills, that would not have been necessary had the bank properly handled this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Equifax is currently reporting several late payment notations on my credit file that I dispute as inaccurate, misleading, and potentially unverifiable. These entries include a late payment from XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX ; XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which reflects a late payment as of XX/XX/XXXX, XXXX though the account is closed ; and XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX. 

I am concerned that these derogatory marks, especially those associated with closed or inactive accounts, remain on my credit report without proper substantiation. The XXXX entry, for example, is closed and shows a late payment despite no active balance or billing cycle, raising serious questions about whether this data is being reported in full context or accurately verified. The XXXX XXXX  XXXX and XXXX entries are also questionable, as I have not received any formal validation of the delinquencies. Additionally, the XXXX entry appears to date back to XXXX. If the date of first delinquency occurred earlier, this information could exceed the allowable reporting period under 15 U.S.C. 1681c ( a ) ( 5 ) and may constitute outdated or obsolete reporting.

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to perform a reasonable and complete reinvestigation of any disputed item. If the information can not be verified with concrete documentation, it must be promptly corrected or deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Moreover, reporting a late payment without providing full supporting evidence or clarityespecially when accounts are closed or past due balances are XXXX XXXXXXXX inherently misleading and damages my creditworthiness without due cause. 

These concerns are further heightened by recent findings from the Consumer Financial Protection Bureau ( CFPB ), which uncovered that Equifax failed to conduct proper reinvestigations in numerous consumer complaints. In a federal lawsuit, the CFPB specifically accused Equifax of carrying out sham investigations in violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation within 30 days of a dispute, and under 1681i ( a ) ( 5 ), delete any item that is inaccurate, incomplete, or can not be verified. Continued failure to follow these obligations is a clear violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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

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