vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Mishandled Dispute PenFed Credit Union Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the mishandling of a card dispute by PenFed Credit Union. 

On XX/XX/XXXX, a transaction in the amount of {$400.00} from XXXX I was posted to my PenFed account ending in XXXX. I disputed this transaction within the time period required by law and opened a case through the CFPB. 

However, PenFed never provided me with the transaction reference number I needed in order to properly complete and support the dispute. This omission prevented my dispute from being processed fairly and on time. Despite my timely efforts, PenFed is now closing the matter by claiming that the 60-day period has expired, as stated in their letter dated XX/XX/XXXX ( attached ). 

This response is unfair and misleading because I did, in fact, dispute the transaction within the legal timeframe. It was PenFeds failure to provide necessary information ( transaction number and details ) that caused the delay, not my inaction. 
I respectfully request that the CFPB investigate this matter and require PenFed to : 1. Re-open and properly investigate the {$400.00} dispute. 


2. Provide me with the full transaction details and reference number, which should have been supplied when I initially filed the dispute. 


3. Ensure that PenFed complies with federal regulations protecting consumers in billing error and dispute processes. 



I am attaching PenFeds most recent denial letter as evidence of their mishandling of my case. 

Thank you for your assistance in ensuring that PenFed addresses this matter appropriately. 

Sincerely, 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
As a confimed victim of Identity theft due to XXXX databreach, This debt is not mine. The reporting is impacting my emotional well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a Chase customer since 2012 and maintain multiple accounts with the bank, including personal checking and savings, business checking and savings, and a brokerage account with over {$100000.00}. My credit score is around XXXX, with no recent inquiries and about 10 % utilization, demonstrating responsible credit use. 

About three years ago, Chase abruptly closed all of my credit card accounts. At the time, I was a victim of identity theft. Due to that, I was finally transferred to the Fraud Detection/Risk department, where I was told my accounts had been closed for adding and removing too many authorized users. This was inconsistent with prior guidance I had received from Chase representatives, who had said there were no limits on authorized user changes. The explanation was vague, and I was not provided with any written notice detailing the specific policy applied against me. 

After waiting three years, I returned to a branch and reapplied for credit with the assistance of my banker. I was approved for a Chase Freedom card with a {$10000.00} limit. I also applied for a Chase XXXX business card, which was denied. A few days later, before I even received the XXXX card in the mail, Chase canceled the account without providing a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to formally notify you that I refuse to pay the alleged debt you claim I owe. In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby instructed to cease all further communication with me, except as explicitly allowed by law. 

If you continue to contact me regarding this matter for any reason other than the exceptions allowed by law, I will report your actions to the Federal Trade Commission, the Consumer Financial Protection Bureau, and my State Attorney Generals office, and I will consider pursuing all available legal remedies. Listed accounts to be removed immediately off my report Credence resource mana account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified the presence of certain items that are inaccurate. I would like to bring your attention to the following issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor to verify the accuracy of these items. I kindly ask that any information that can not be verified by the creditor be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. 
Please provide an updated copy of my credit report to the aforementioned address. I am aware that, as per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained a copy of my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in addressing this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized inquiries continue to show up on my credit report this morning, and I dont understand why this is happening. Even after refreshing my browser, they remain. I am insisting that the documents I sent be examined thoroughly to ensure this issue is permanently resolved.

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 2025-09-24 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
After receiving a email from XXXX  notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted XXXX XXXX  ChexSystems and XXXX  to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX  data breach. Despite my efforts, XXXX, XXXX ChexSystems and XXXX  denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that ChexSystems and XXXX  has not fully investigated the potential fraudulent activity tied to the XXXX  data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 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: NJ

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


UNAUTHORIZED INQUIRY : 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 2025-09-24 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: PA

Complaint narrative:
I am under extreme distress because of these ongoing FCRA violations. The Fair Credit Reporting Act requires 100 % accurate reporting, yet inaccurate and unverifiable accounts remain on my file after multiple disputes. This has caused me serious harm, including financial strain, emotional stress, and difficulty moving forward with my personal obligations. I feel overwhelmed and do not know how much more I can take. These errors are not just technicalthey affect my daily life, my financial stability, and my peace of mind. I am entitled to a fair resolution under the law in the form of deletions. The accounts listed in my attached letter are not accurate, and I urgently demand their immediate 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 2025-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BANK OF AMERICA 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my fredit report, immediately I NEED THEM ACCOUNT REMOVE : XXXX XXXXXXXX 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding PNC BANKs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. PNC BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

PNC BANK XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Got the car in XXXX had a wreck in it XXXX the car was to much to fix and they didnt want to fix it had to get a lawyer it took 4 years before I heard anything from the settlement didnt get that much so I volunteered them to come get the car but still had it on my credit report and still shows up and they want me to pay the remainder XXXX dollars on the car they talking about garnishing my checks and taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I C System for XXXX XXXX {$650.00} I just dispute for the same debt threw another company this not mine and got it removed I still have XXXX at my address I been living at for 4 years I dont owe this

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
A few weeks ago, I attempted to transfer funds from my Fifth Third XXXX account to my checking account. Id had the XXXX XXXX for approximately one year by this time. I realized the XXXX option was suddenly no longer available so I contacted Fifth Third. I was advised that I had maxed out the advance of {$1000.00} for three consecutive months so my ability to use the XXXX funds was revoked without any notice. I was given no notice that my access to funds Id had available for over a year had suddenly been suspended. At the same time, because many of my bills are set up on autopay through Fifth Third, those payments began failing all at once and Fifth Third began charging numerous overdraft fees against my account. It seems very unethical for an institution to be able suspend a members access to funds in one account without notifying the member and then be able to assess and profit monetarily by assessing fees against the members other account. There are no checks or balances in this process. The institution is conducting one adverse action against a customer in an effort to profit monetarily off of another adverse action. 

By the time I realized what was happening, I had already been charged numerous overdraft fees and had no time to stop the cycle they had put in motion and more fees continued to be assessed. I immediately changed my account to stop overdraft protection and on Friday, XX/XX/year>, I went to my local Fifth Third branch, met with a banker, and closed out all XXXX of my accounts. They assured me this would prevent any additional overdraft fees. Unfortunately, I learned today, that my account never was actually closed and Fifth Third again began to assess repeated overdraft fees to my account. When I called the branch today to find out why this was happening, the branch manager informed me they had already paid some of the transactions, which created even more issues because I had already paid these vendors through a separate account when I realized everything that was happening. The branch manager I spoke with today was very uncaring and smug and refused to do anything to ensure I didnt continue to incur even more erroneous fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
THIS IS ALREADY CONCERNING AND I AM WANTING TO KNOW ALL AND EVERYTHING ABOUT THIS, I WILL. MY ALL INFORMATION WAS STOLEN AND THERE ARE NOW INQUIRES WHICH ARE SHOWING THAT SOMEONE TRIED TO USE T TO GAIN ACCES TO MY NAME AND MONEY!! PLEASE HELP ME WITH THIS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-09-24 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: AR

Complaint narrative:
I am writing to dispute and request the removal of unauthorized credit inquiries that appear on my credit report. I have carefully reviewed my report and found inquiries that I did not authorize, nor did I grant permission for these companies to access my credit file.

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 2025-09-24 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: MD

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$17000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$6200.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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