vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a direct response to Transworld Systems Inc. and not a duplicate complaint. The attached documentation does not show any proof that I personally signed or authorized Transworld Systems to receive or access my personal information from XXXX XXXXXXXX XXXX They are a third-party debt collector, not the original creditor, which means Direct Energy shared or transferred my personal data without my consent or signature. That is a violation of both the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Providing a copy of a bill does not meet the validation requirements under federal law. Debt validation requires showing lawful assignment, authorization, or a contract between myself and this company, not simply a balance summary from XXXX XXXX. I am demanding full deletion of this collection account from all consumer reporting agencies as it was never lawfully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
After closing my Chime debit card account I received a check for remaning balance. 
Attempted to cash check at two different grocery stores. Both stores declined the cashing of check. Contacted Chime support again. Was suggested that I go to XXXXk XXXX XXXX and cash check. Attempted to cash check and was declined again. reached out to chime again after third attempt to cash check. Was advised that electronic transfer was not an option. Chime then re-opened the account. Advised that I could " cash the check '' Using their Chime APP on my mobile device. This seems like this is some sort of scam. This account has now been re-opened. Advised I don't have a phone to install the APP.I don't think I should have to complete transactions on their platform to get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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 disputed record provides an inaccurate portrayal of my financial conduct. Please review and amend my account to ensure accuracy.

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 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> PNC bank took out two ( 2 ) payments of my mortgage for {$1700.00} for a total of {$3400.00}. When I called them they said that a mistake had been made when transitioning to a new system on their auto payment account site. When asked what they were going to do about it, they really didnt have an answer. Then they said they could send a check back with that one of the payment amounts. It would take over 2 weeks to maybe even get the physical check. I told them Id rather have it go to my principal if I could. But the first time I called them, they said they couldnt do that. I called them 2 days later with much more angered feelings as I dont like that a bank who can hold my extra money without any compensation. I believe this goes against the terms of the contract for the loan. I then agreed not to involve any ligations or lawsuits if they could put it towards my principal. They agreed, but never provided me with any confirmation even though I begged them for it. All they told me is that in two business days it should be completed. But then I got a call back saying the bank had decided to a ACH wire transfer back of one of the payments in about 3 business days. That will be just maybe over a week that they have had my extra money in their possession without any interest applied to it. Many people are in the same predicament as I was told. Many people, including I, can not buy groceries or pay bills this week due to this mistake by them. This error is putting strain on me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MO

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
Complaint about First National Bank of Pennsylvania ( FNB ) I am submitting a complaint regarding misleading and deceptive promotional practices by First National Bank of Pennsylvania ( FNB ).

FNB advertised a promotion on its website for new checking and savings accounts ( the FNB Common Sense Bundle Offer ), under which customers could receive a {$300.00} bonus for opening a checking account and a {$400.00} bonus for opening a savings account after meeting specific requirements. 
After seeing this promotion on FNBs website, I opened both a checking and a savings account on XX/XX/2025 ( account numbers XXXX and XXXX, respectively ). 
On XX/XX/2025, I received an email from FNB stating : Unfortunately, your accounts do not meet the requirements to qualify for the First National Bank ( FNB ) Common Sense Bundle promotional offer because the address does not match the invitation for the offer.

Since I had already begun meeting the bonus requirements before receiving this email, I immediately sent secure messages through FNBs online banking system to confirm my eligibility. In my messages, I specifically referenced the email and asked whether I was ineligible for the promotion.

An FNB representative replied through secure message confirming that I was eligible for the promotion despite the email. They stated that I had already completed the debit card transaction requirement and only needed to meet the direct deposit requirement to receive the bonus. 
Relying on that assurance, I proceeded to fulfill all remaining requirements. I received direct deposits from my employer, XXXX XXXXXXXX XXXX, in XXXX, XXXX, and XX/XX/2025, meeting the {$300.00} checking account bonus criteria. I also maintained a balance of {$5000.00} in my savings account to qualify for the {$400.00} savings account bonus. 
However, when I contacted FNB in XX/XX/2025 to request payment of the total {$700.00} in bonuses, I was informed that I was ineligible for the promotion because I was not a targeted customer. I explained the prior secure message communications, and FNB admitted that their representative had provided me incorrect information. Despite acknowledging their error, FNB refused to honor the {$700.00} promotional bonus.

FNBs actions are misleading and fraudulent. The bank explicitly informed me in writing that I was eligible, encouraged me to complete the promotional requirements, and then refused to honor the promised bonuses after I did so. This conduct constitutes deceptive and unfair business practices by a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 explanation
Consumer complaint received 2025-10-30 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: AZ

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 2025-10-30 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
A charged-off account that had previously been deleted from my credit report has been reinserted without proper notice or verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to notify me within XXXX business days after reinserting any previously deleted information. I did not receive any such notice. This reinsertion has negatively affected my credit score and caused confusion regarding the status and validity of the account.

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 2025-10-30 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: TX

Complaint narrative:
b'I am submitting this complaint because my Experian credit report contains entries that I believe may be inaccurate or unverifiable. I request a reinvestigation under FCRA 611.\n\nCharged-Off Accounts in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nPlease verify each account with the original creditor. Remove any entry that cannot be verified.\n\nInquiries in Dispute\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPlease verify these inquiries were authorized by me. Remove any inquiry that cannot be verified.\n\nLate Payments\n\nXXXX XXXX XXXXn\nPlease verify this late payment. Remove or correct it if it cannot be verified.\n\nThere are currently no positive accounts in dispute with Experian.'

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 2025-10-30 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: MA

Complaint narrative:
I am writing to request an investigation into the following accounts and inquiries that appear on my TransUnion credit file. I believe these items are being inaccurately reported and should be verified or deleted under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Question ( Charged Off ) : XXXX MORTGAGE, Account No. XXXX, Reported XX/XX/XXXX, XXXX : {$0.00} XXXX BANK, Account XXXX. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX BANK, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX MORTGAGE SERVICES, Account No. XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No. XXXX, Reported XX/XX/XXXX, XXXX : {$0.00} COLLECTION ( related to XXXX XXXX Bank XXXX. ), Account XXXX. XXXX, Reported XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX BANK, Account No. XXXX, Reported XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX : {$1400.00}

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 non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am requesting that TransUnion investigate and verify the following accounts currently reflected on my credit report. I believe the information below is inaccurate or incomplete. Please review these items pursuant to the Fair Credit Reporting Act ( FCRA ) and provide written confirmation once the review is complete. 

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$0.00} SYNCB/AMAZON SC Acct XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$0.00} XXXX Acct # XXXX XXXX : XX/XX/XXXX Amount : {$150.00} CNS PORT SERVICES Acct XXXX XXXX XXXX : XX/XX/XXXX Amount : {$0.00} CREDIT COLL Acct # XXXX Date : XX/XX/XXXX Amount : {$97.00} XXXX PREMIER BANK Acct # XXXX Date : XX/XX/XXXX Amount : {$660.00} XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Amount : {$6700.00} DEPT. OF XXXX Acct # XXXX Date : XX/XX/XXXX Amount : {$6700.00} RADIUSGLOBAL Acct # XXXX Date : XX/XX/XXXX Amount : {$390.00} Inquiries in Dispute : CCBAXCESSFIN XX/XX/XXXX Late Payment in Dispute : TBOM/MILSTNE Acct # 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is my XXXX formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Cease and Desist Request for Removal I am writing to formally notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), I am requesting that you cease all communication with me regarding this account, except where permitted by law. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting that you immediately remove any negative or inaccurate information related to this alleged debt from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am submitting this complaint because my Equifax credit report contains entries that I believe may be inaccurate or unverifiable. I request a full reinvestigation under FCRA XXXX. 

Charged-Off Accounts in Dispute GINNYS XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} Please verify these accounts with the original creditors. Remove or correct any account that can not be verified. 

Inquiries There are currently no inquiries in dispute with Equifax. 

Late Payments There are currently no late payments in dispute with Equifax. 

There are currently no positive accounts in dispute with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am submitting this dispute to formally contest the accuracy of the accounts identified. As I did not authorize or open them, I request their deletion and an immediate investigation. Documentation is attached.

Company response to consumer: Closed with explanation