vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: NJ

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 explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The bank has agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scott Fetzer Financial Group Inc.
State: GA

Complaint narrative:
Sends a statement to the CRA agency 's verified the debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance 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 explanation
Consumer complaint received 2025-05-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A, states I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written or verbal contract with me.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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: GA

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

XXXX XXXX acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A, states I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written or verbal contract with me.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Subject : Administrative Claim Dishonor of Lease-Backed Security Transfer and Resulting Damages by PNC Bank Dear Consumer Financial Protection Bureau , I, the undersigned, am filing a formal complaint against PNC Bank , N.A. for engaging in practices that have resulted in significant harm to me as a private tenant and party to a lease agreement. The actions of PNC Bank reflect a breach of fiduciary duty, unjust dishonor of a lawful tender, and have directly contributed to wrongful eviction proceedings initiated against me by the landlord.

Summary of Complaint : 1. On or about XX/XX/year>, I submitted a lawful tender of payment to my landlord via the designated receiving account with PNC Bank. 
2. Said payment was backed by a valid security interest originating from a private lease agreement, and submitted in good faith as lawful tender.

3. PNC Bank dishonored the transaction without lawful cause or notice, causing a breakdown in payment acknowledgment.

4. As a direct result of this dishonor, I have been subjected to : o Eviction proceedings, o Emotional distress, o Injury to credit and reputation, o Trespass to my person and property, o Public record injury.

Steps Already Taken : I submitted a Final Notice and Demand for Cure to PNC Bank on [ XX/XX/year> ] by certified mail with tracking # XXXX. 
I received no response or cure within the allotted timeframe of 30 days. 
This notice outlined the facts, attached supporting documentation, and demanded accountability under consumer financial protection standards.

Relief Requested : 1. A full investigation into the actions of PNC Bank, N.A.

2. A written explanation from the institution regarding the dishonor of lawful tender.

3. Regulatory review of their internal policies concerning lease-related payments and handling of private transfers.

4. Compensation or remediation for the damages incurred due to the dishonor and resulting eviction process.

5. Enforcement of penalties if applicable under CFPB jurisdiction for deceptive, unfair, or abusive acts or practices ( UDAAP ).

Please confirm receipt of this administrative claim. I am prepared to provide documentation including copies of the lease agreement, tendered payment, final notice, and court-related materials upon request. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX ( Principle Account Holder ) Private Party / Aggrieved Consumer All Rights Reserved, UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX balance {$600.00}, XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX  balance {$120.00}, XXXX XXXX XXXX  balance {$130.00}, XXXX XXXX balance {$710.00}, XXXX XXXX XXXX balance {$710.00}, XXXX XXXX XXXX  balance {$660.00}, XXXX XXXX XXXX balance {$340.00}, Ads XXXX XXXX balance {$710.00}, XXXX XXXX balance {$270.00}, XXXXXXXX XXXX XXXX XXXX balance {$9.00}, XXXXXXXX XXXX  balance {$16000.00}, XXXX XXXX XXXX balance {$21000.00}

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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my checking account in XXXX with no explanation at the time I had funds still available in the account I contacted chime about trying to retrieve my funds and was basically told no and was told my account was closed and wasnt eligible for a refund and to review cancellation policy which I never cancelled my account it was closed with no explanation and the XXXX that was in my account was never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. Fraudulent accounts have been opened in my name without my knowledge or consent. These accounts are negatively impacting my credit profile and do not reflect any action I personal initiated or approved. A police report has been filed with the XXXX XXXX Police Department in South Carolina to document and support this claim of identity theft. 

Please consider this a formal request to block or remove all of the below accounts from my credit profile in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and accurate Credit Transactions Act ( FACTA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello! I'm writing to u bc I have a lot of infrmation in my file that needs to come out. There's a report available for u to review tht needs to be cleaned up. I have a stolen identity, and those charges absolutely aren't mine. I absolutely need them to come out to repair my credit report. I've already notified the Federal Trade Commission, and I hav attached a copy of their Identity Theft Affidavit. I'd appreciate it if you could remove thse items 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello! I'm writing to u bc I have a lot of infrmation in my file that needs to come out. There's a report available for u to review tht needs to be cleaned up. I have a stolen identity, and those charges absolutely aren't mine. I absolutely need them to come out to repair my credit report. I've already notified the Federal Trade Commission, and I hav attached a copy of their Identity Theft Affidavit. I'd appreciate it if you could remove thse items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
Amount XXXX Date opened XX/XX/2024 Disputed through experian mobile app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX XXXX 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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC initially told me that my credit line had no limit, which led me to believe I could request a credit increase without issue. However, when I submitted the request, it was denied without clear justification, and no written explanation or disclosure was provided. This misrepresentation disrupted my ability to manage my credit and made it impossible to plan for upcoming expenses or credit-based purchases. 

Shortly after, I applied for credit through XXXX and XXXX XXXX and was also denied by bothdespite using accurate information, listing self-employed income, and meeting general eligibility standards. None of the companies provided transparent reasons for the denials. 

The timing of all three denials raises serious concerns about misleading account disclosures, credit profiling, or underlying data suppression. I believe PNCs failure to accurately explain or support my credit terms may have contributed to the chain of rejections and created lasting financial and reputational harm. 
Attached is a prior formal claim letter submitted to PNC documenting related institutional misconduct. While the letter addresses a separate incident ( fraud during medical incapacitation ), it demonstrates PNCs repeated failure to respond to consumer complaints, clarify account terms, or offer adequate resolutioncontext which supports the credit denial and misrepresentation issue raised in this filing. 

Also, Attached are supporting letters from PNC, XXXX, aXXXX XXXX XXXX confirming both my complaint filings and the resulting banking consequences. These documents validate the timeline, internal escalation, and fallout of PNCs failure to grant the promised credit line increase.

My original request for a credit line increase was made over the phone directly with a PNC representative, who assured me there was no maximum limit. I was later denied without written explanation or documentation, which is why no screenshots or emails are available. 

My original request for a credit line increase was made over the phone directly with a PNC representative, who assured me there was no maximum limit. I was later denied without written explanation or documentation, which is why no screenshots or emails are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-19 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: NV

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation