vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
I was recently a victim of a job scam with XXXX XXXX, XXXX. It was for a data entry position. Completed an interview via XXXXXXXX XXXX with someone pretending to be an employee of the company. They sent me a check in the amount of {$4900.00} to deposit into my account to purchase equipment for my new position. I deposited the check into my checking account with Etrade. I have a checking, individual and IRA account. I Later found out that the company was being used in a job scam. Contacted E * TRADE to inform them of what happened. They restricted my access to my account and sent me a letter stating that all accounts would be closed because I was a victim of fraud. They then requested bank statements from my banks ( XXXX and XXXX ) linked when I opened up my portfolio with them. I sent the statements via link provided. I was working with XXXX who was able to confirm that I was victim of fraud by calling XXXXXXXX XXXX which the name on the check for {$4900.00}. She also called my bank XXXX to verify that I was the owner of the chime account. The last action was to reach out to XXXX and confirm that this was my account. XXXX would not verify over phone. This is why she provided the link. I called back within a week to check status only to find out documents were rejected. I then spoke with a supervisor XXXX XXXX who explained that their review team is not clear as to what happened with my account and is requesting the wrong information from me. He had me upload a copy of my chime bank statement on XX/XX/XXXX. He assured me he would reach out to XXXX and have her explain to review team the correct process and there is nothing else needed from me. He provided a reference number XXXX to follow up with. I waited another week. I called and spoke with XXXX who stated that review team rejected documents uploaded XX/XX/XXXX and listed in notes that they needed to verify {$4900.00} fraudulent activity which had already been done by XXXX. She sent them another message telling them she had already done this but didn't ask for restriction to be lifted so that I could access account. I called back and spoke with supervisor XXXX XXXX. I explained the entire situation to him again. He stated that it didn't look like there was anything else holding up my access and from notes, their review team had all information they needed. He created another case to have them downgrade my account so that I can access it and transfer it out. Case number is XXXX. I am still waiting to access my account online so that I can transfer out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is a dispute of PNC Bank item ( reported Account Abuse, closed XX/XX/year>, {$550.00}, last four number of account # XXXX ). The account contains fraudulent, unauthorized charges and the information is inaccurate/unverifiable. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), please block this identity-theft-related information within 4 business days. Under FCRA 611 ( 15 U.S.C. 1681i ), please reinvestigate and delete/correct any item that is inaccurate or can not be verified ( with reinsertion notice rules ). Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ( a ) ), provide my full file and a list of recipients. The underlying transactions were unauthorized EFTs under Reg E ( see 12 C.F.R. 1005.2 ( m ) and 1005.11 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
I am a current cash app card holder and my account was comprised and I submitted a claim form and I have completed the steps that I need to send in the required documents and they have yet to respond! XXXX. XXXX who works for the company stated to me on XX/XX/year> to refer to the cfpb cash app settlement page for my information and they can't assist by phone only by email and this is the exact reason why I filed a complaint because the cash app settlement administrator hasn't respond so yes I have filed another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I was making payments and it was applied to only interest rates. Never applied to the loan. Also adding extra interest of XXXX a day even when on time. Car payments never went down. Harassing me by calling a least XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PNC Bank N.A.
State: IL

Complaint narrative:
I am writing to respectfully request a goodwill adjustment regarding my auto loan with PNC Bank, which was opened in XX/XX/XXXX and fully paid off as of XX/XX/XXXX. During the duration of this loan, I incurred XXXX XXXX late payments to my understanding, specifically in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. While these late payments were the result of financial hardship beyond my control, I continued to make every effort to bring the account current and ultimately ensured the loan was fully satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint against Discover regarding a fraudulent credit card account that was opened in my name without my knowledge or permission ending in XXXX. The account has been charged off and is being incorrectly reported on my credit report. 

I have already submitted a full identity theft report to the FTC and faxed Discover copies of my FTC confirmation, drivers license, and supporting documentation proving that my mother, XXXX XXXX, used her own contact information to open the account. Despite this, Discover has not provided me with a claim number or confirmation that my documents were received. 

I have contacted Discover multiple times, and I was told that my fax could take up to XXXX  days to even be seen by the Charge-Off Fraud department. This delay is unreasonable, especially given that Discover previously marked me as liable for the account in under a week without reviewing any evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MD

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 2025-10-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: IL

Complaint narrative:
I am disputing a collection account reported for an apartment eviction in XXXX. 

Eviction papers were served on XX/XX/year>, with a hearing on XX/XX/year>, and the landlord regained possession. The court judgment listed the lawful balance as {$2800.00}. 

On XX/XX/year>, the landlord added extra charges totaling {$8100.00}, including post-eviction rent, unauthorized animals, repainting, and alleged repairs, and immediately sent the account to collections. 

From XX/XX/XXXX XX/XX/year>, additional charges were added : electric, water, pest control, rent, and late fees, even though the account was already in collections. 

I was never given notice or an opportunity to pay these charges directly. 

These charges are unlawful and invalid under XXXX Property Code 91.006, violate the FDCPA ( 15 U.S.C. 1692e & 1692g ), and are inaccurate and unverifiable under the FCRA ( 15 U.S.C. 1681s-2 ). 

I am requesting removal of this collection account from all credit reports and verification of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Identity Theft Block Request Letter ( For use under 15 U.S.C. 1681c-2 ) Your Name : [ XXXX XXXX XXXX XXXX XXXX : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Phone : [ ( XXXX ) XXXX ] Email : [ XXXX ] Date : [ XX/XX/XXXX ] To : Name of Consumer Reporting Agency : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Block Identity TheftRelated Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax, I am writing to formally dispute and request the blocking of information resulting from identity theft as provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my credit report and identified certain information that does not belong to me and appears to be the result of identity theft. 

Accounts to Be Blocked : Creditor Name : XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX Date Reported : XX/XX/XXXX Explanation : This account was opened or used fraudulently without my authorization. 

Request : Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information within XXXX business days of receiving this request and documentation. 

Please also provide written confirmation once the block has been applied, including notice that you have informed the furnishers of the affected information pursuant to 1681c-2 ( b ). 

Thank you for your prompt attention to this matter. Please send confirmation of your actions to the address listed above. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC is a debt collector. Account number is XXXX and 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 2025-10-14 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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