vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding serious issues accessing my checking account with PNC Bank while I was traveling abroad. 

Prior to my international travel, I proactively filed a travel notice through the PNC mobile banking app to ensure continued access to my funds. For the first few days, my card worked normally, and I was able to make transactions. However, without warning, my card stopped working and all my transactions began to get declined. 

I immediately contacted PNC Banks international customer service number. A representative informed me that my account had been placed under review, but could not explain the reason for the review or provide any helpful details. I was simply told that the hold would be lifted after the review process. 

Unfortunately, weeks have passed, and I still do not have access to my checking account. I can not use my card, I can not cash checks, and I am completely cut off from the funds I have in that account. This has had a significant negative impact on my ability to manage finances and cover basic expenses. 

I find the lack of transparency and the extended delay in resolving this issue unacceptable. I am seeking the CFPBs assistance in : Investigating why my account was placed under review Helping facilitate the removal of the hold or providing an official resolution Ensuring that PNC Bank communicates clearly with customers in similar situations Please let me know if you require additional documentation or communication logs from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$100.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX - Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Information needs to be added to open complaint XXXX. I had account with XXXX for over 22 years, Due to XXXX, I started having issues with repaying my credit card and loan. I was late on my loan back in 2023 XXXX drafted funds unexpectedly out of my check twice. I only get paid once a month causing more issues with my living status. The funds were supposed to be used to bring my account current, but they also closed all my accounts except Savings. Its so much easier to continue making payments but XXXX are now attacking my credit causing more issues and reporting inaccurate information to the credit bureaus. I was blocked from viewing my accounts. The reason was told that my credit card hasn't been paid in over 90days but I had funds in my account to cover the bill to make it current. They took funds without my permission for the loan but cancelled my account stating the reason was because my credit card bill was overdue. It makes no sense to take funds unexpectedly from my account for loan but not for credit card, close my accounts, and block me from viewing the activity. The money that was taken was not applied to the principal. XXXX refused to close all my accounts, but I could not access it. According to XXXX, the amounts owe are incorrect and I have not received any 1099C forms for tax purposes and declaring this debt as invalid. Under section 609, how the charge off was verified. Credit bureaus XXXX XXXX and XXXX XXXX are required by law to verify every detail they report, not just with the lender but with the original documentation. The original creditor has forfeited all rights on collecting of this debt and did not provide 1099C for me to write off as income with the Internal Revenue. Ive never received 1099C. Also, the ( XXXX ) North Carolina State Employees Credit Union is being misreported to credit Bureau XXXX, reporting negative on my credit and providing incorrect billing amounts as well as incorrect account numbers. The account is showing as CHARGE OFF but still has a balance due. Inaccuracy under the law XXXX XXXX violation have to be deleted. Please remove in accordance with FCRA and XXXX XXXX guidelines as well as 15 U.S. Code 1679c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for Account Name : XXXX XXXX XXXX ( Account # XXXX ) These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Under the XXXX  procedural rules I am requesting proof of how these accounts were verified including the contracts/lease, payment history and dates of delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-16 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: FL

Complaint narrative:
The Company which is " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX " said they did not receive my monthly payments for the use of the card this was back in XXXX. So in XXXX of XXXX  after receiving a bill for {$1200.00}, I sent a payment in the amount of {$1000.00} with {$280.00} left over and in XXXX of XXXX  I sent another {$500.00} to clear up the remaining. I didn't care if there was a credit on the card my intent was to close the card. Still no acknowledgement of them receiving these payments, no update showing balance paid, nothing. I don't owe them anything it has been paid yet the amount reflected on my credit reports shows no payments made. I have proof of my payments and letters that I have sent to them showing the copies of the checks. This company has been a major stressor for me. I would like it removed from my credit report seeing that we are at the 6 year mark.

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 2025-06-16 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-17 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:
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 non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am writing to formally demand an immediate investigation and correction of inaccurate information that is currently being reported on my credit file. Ive reviewed my credit report, and there is data on it that is simply not accurate, not complete, and in some cases, not even mine. 

These errors are not just frustrating they are actively affecting my financial standing, and I will not sit quietly while inaccurate information drags down my creditworthiness.

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 2025-06-17 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:
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 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 2025-06-17 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:
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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand for Full Validation Accounts XXXX To Whom It May Concern, This is a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXg, and the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, for immediate debt validation and cease in collection activity until full compliance is met regarding the following accounts : Creditor : XXXX XXXXXXXX XXXX | Account XXXX XXXX  XXXX | Balance : {$18000.00} Creditor : XXXX XXXX | Account XXXX XXXX  XXXX | Balance : {$18000.00} As required by federal law, you must provide complete and competent validation, including : A signed original contract bearing my signature that legally binds me to this alleged debt. 
A full payment history and chain of custody showing how the amount was calculated. 
The name and address of the original creditor, and a statement from them confirming the transfer of the debt. 
Your license to collect in Illinois, including your bond number and registration. 
Verification that this debt is not the result of identity theft, error, or data breach. 
Until you provide all of the above, you are in violation of XXXX U.S.C. XXXXg ( b ) if you continue to report, pursue, or sell this account. 

Additionally, any attempt to reinsert these items into my credit report without proper notice will constitute a violation of XXXX U.S.C. XXXXi ( a ) ( 5 ) ( B ), and I will pursue legal action accordingly. 

You have 15 days from the receipt of this letter to comply or I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), FTC, State Attorney General, and explore civil litigation for statutory damages. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORT XXXX, ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602A According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C 1681 SECTION 604A A person shall not furnish any 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Usually, Every Month, XXXX has no problem updating my credit score, aside from my new update dates that have taken affect with XXXX and my new Capital One card : Well, This month, after having paid off my former months debts, there was no update or change to my credit score-nothing literally changed on any of the 3 plus credit monitoring apps that I have tracking my score. Typically with having paid them off, they either go up or go down-for some ridiculous reason and seeing as how they carried a balance the previous month-IT IS MORE THAN ASSUMED THAT MY SCORE OUGHT TO INCREASE. I waited several days after the regular reporting period and even called XXXX on the XXXX to have them re-report- which they graciously did and STILL NOTHING, NADA , ZILCH! The lady at Capital one gave a XXXX response so we wont count her, but still nothing-no update! I am requesting that XXXX reupdate and raise my credit score for the month of XXXX-I AM WATCHING YOU ALL INTENTLY. Do right by The American People for once! Bless You!

Company response to consumer: Closed with explanation