vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control is in possession of my personal information without my consent. I never signed any agreement or gave permission for my name, address, or account details to be transferred to them, and I have not received any documentation that proves they are authorized to collect or report on my behalf.

Even if another company forwarded my information to them, that does not make it legal. I never agreed to that transfer, and I never authorized Central Portfolio Control to access or use my credit or identity data in any way. This is a violation of my privacy and a breach of federal consumer protection laws.

Their continued use of my data to collect and report without signed consent is abusive, misleading, and illegal under the FCRA. This is not about whether the debt is valid, its about the fact that my information is being circulated and used without my permission. That alone is grounds for this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Im constantly getting emails from a Third-Party company called Resurgent from a person name XXXX saying my alleged accounts are be forward to an attorney. I will attach screenshot of email below. Also Im constantly getting called throughout the day while I can be at work or in meetings or etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I am the victim of identity theft and inaccurate reporting. My credit report shows multiple accounts that I did not apply for, authorize, or use. Many of these accounts were allegedly opened after my 2016 bankruptcy, when I was unable to obtain new credit, which proves they could not have been legitimately opened by me. In addition, several accounts from XXXX are now past the XXXX reporting limit under FCRA 605 ( a ), yet they are still being reported. Some of these accounts also appear to have been illegally re-aged to make them look newer than they are. This reporting is false, misleading, and has caused serious harm to my ability to obtain housing, credit, and employment.

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 2025-08-28 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
My authentic financial ethics aren't captured here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In early XXXX, I used my PNC debit card for a hotel deposit. I have a receipt from the hotel showing my card was charged, and the funds were debited from my account immediately. However, the transaction never appeared on my statement not as pending and not as posted. When the hotel released the deposit, the funds were never returned. I reported this to PNC and sent them the receipt, but they failed to investigate or credit my account. 

Later in XXXX, I withdrew {$500.00} from my account. My official PNC receipt, printed at the ATM, showed that after the withdrawal my balance was {$100.00} positive. The very next day, PNC claimed that at the time of the withdrawal my account had actually been {$560.00}, and after the {$500.00} withdrawal it became {$1000.00}. To cover this, PNC removed over {$1000.00} from my other PNC account through overdraft protection. 

This explanation makes no sense. Every time I swipe my card, PNC immediately deducts the amount from my available balance. If they are already deducting funds when pending, they can not deduct them again when the transaction posts. My receipt proves that at the time of the withdrawal, PNCs own system recognized a positive balance of {$100.00}. If I had truly been negative {$560.00}, the system should not have approved a {$500.00} withdrawal or printed a receipt showing a positive balance. 

PNCs actions show a pattern of mishandling funds : first with the missing hotel deposit that was never refunded, and now with the double-counting of pending vs. posted transactions to justify taking over {$1000.00} from my other account. I request that the CFPB investigate, require PNC to return both the missing hotel deposit and the XXXX XXXX transfer, reverse all related fees, and ensure PNC stops providing misleading balance disclosures to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
{$43000.00} was deposited into my account. We called the bank asking about the transaction and it was from a stock company that we invested in. After that, our account started getting a lot when we started to move the funds out of the Wells Fargo into XXXX XXXX called several times and they kept unlocking it until it was permanently locked, and we went in. They said they unlocked it when they did not and called again and now told us that we are permanently banned from Wells Fargo due to fraud. We told them several times that it wasnt fraud and we were trying to access the money and take it out of the account for bills that we had to pay. We then went to the bank to get our money back and they said no because then theyre gon na charge us for fraud when it is ours.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am being harassed via phone call text about a charges, Im not aware of under my married name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-28 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: PA

Complaint narrative:
Account in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion, I am writing to formally dispute the accuracy and completeness of information being reported on my credit file. This letter is a request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX. The account in question is listed as : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Auto Loan After reviewing my reports from TransUnion, XXXX, and XXXX, I found multiple inconsistencies that make this account inaccurate, incomplete, and unverifiable : Different High Balances TransUnion and XXXX show {$11000.00}, while XXXX  reports only {$3400.00}. 
Conflicting Dates of Last Activity TransUnion reports XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX. 
Closed Date Discrepancies TransUnion reports XX/XX/XXXX, while XXXX  and XXXX  list no closed date. 
Different Remarks/Descriptions Each bureau reports different charge-off/repo remarks. 
Under FCRA 602 ( A ), consumer reporting agencies must assure maximum possible accuracy. Because this account is being reported with conflicting and unverifiable information, I am requesting its immediate deletion from my credit file.Please conduct a full investigation and provide me with : The method of verification used. 
The name and contact information of the furnisher who verified this account. 
Copies of any documentation you relied on in your verification. 
If the furnisher can not provide proper verification, this account must be deleted in compliance with FCRA 611 ( a ) ( 5 ). Please respond within 30 days of receiving this letter as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN Last 4 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has failed to respond to my dispute letters within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I sent Experian a detailed written dispute identifying numerous inaccurate, incomplete, and unverifiable items on my credit report, including accounts from Portfolio Recovery, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as unauthorized inquiries and incorrect personal information ( wrong addresses and names ). 
On XX/XX/year>, I sent a follow-up dispute letter reiterating these inaccuracies and providing specific account numbers, examples of erroneous reporting, and clear requests for verification or removal. 
Despite these good-faith disputes, Experian has not provided me with any results of their investigation within the 30-day period mandated by FCRA 611 ( 15 U.S.C. 1681i ). This failure is a direct violation of my rights under the FCRA.

Additionally, Experians failure to properly investigate or respond aligns with the CFPBs recent lawsuit alleging sham investigations and systemic failures in Experians dispute process. This raises serious concerns that my disputes have been ignored without any meaningful review.

My credit report continues to reflect inaccurate, unverifiable, and damaging information.

This negatively impacts my creditworthiness, loan eligibility, and financial stability.

Experians failure to respond deprives me of my right to fair and accurate credit reporting under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC

Complaint narrative:
On XX/XX/year>2025, I suffered a series of unauthorized transactions totaling USD XXXX, carried out from my personal account and my business account at XXXX, to the same recipient, identified as XXXXXXXX XXXX XXXXXXXX. Of this total, USD XXXX were transferred via Zelle and USD XXXX via XXXX XXXX  transfers. 

In my personal account ( Claim # XXXX, issued by XXXX ) , three transactions were recorded, while in my business account ( Claim # XXXX, issued by XXXX ) two transactions occurred, with the website not showing the transaction times. 

Upon detecting these fraudulent operations, I immediately reported the matter to XXXX and proceeded to close all my personal and business accounts at the bank. I also reported the fraud to Zelle, whose response was that they were not responsible, and XXXX informed me that it would not be responsible for transfers made via Zelle, placing the responsibility on the account holder. 

Regarding my personal account, XXXX informed me on XX/XX/XXXX that the investigation would take 45 days, and that provisionally they would return only USD XXXX, leaving USD XXXX unresolved, subject to the conclusion of the investigation, with the possibility that these funds could be withdrawn again. In my business account, XXXX informed me on XX/XX/XXXX that the USD XXXX Zelle transaction would not be returned, falsely claiming that my credentials had been used. The second transaction of USD XXXX has not yet received a response. 

Through this complaint, I request that this fraud be fully investigated, that all lost funds be recovered, and that preventive measures be adopted to ensure that a similar situation does not occur in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Experian for their continued reporting of a late payment accounts on my credit report which are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am writing to inform you that I'm a victim of XXXX XXXX, and I am requesting that you take immediate action to ensure my credit report accurately reflects my circumstances. As a result of my situation, my personal and financial information has likely been compromised and there is a concern that fraudulent activity has occurred using my identity.

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 2025-08-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

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 XXXXXXXX Subject : Hardship Request for Removal of Late Payments Account : XXXX Dear XXXX Customer Service XXXX XXXX am writing to respectfully request a goodwill adjustment regarding late payment entries reported on my student loan account listed above. 

Unfortunately, during XXXX XXXX XXXX  I faced financial hardship caused by job loss. This situation made it temporarily difficult for me to keep up with my student loan payments, which led to late reporting. 

Since then, my circumstances have improved, and I have taken concrete steps to ensure all future payments are made on time. 

I fully recognize my responsibility to meet my loan obligations and sincerely regret the missed payments. However, I kindly ask that XXXX consider removing the late payment notations from my credit report as a gesture of goodwill. This adjustment would greatly assist me in rebuilding my credit standing, which is critical for my financial stability. 

Please know that I value my relationship with XXXX and appreciate the support you provide to borrowers. I am committed to remaining current on my account and preventing any further delinquencies. 

Thank you for your time and consideration. I hope you will find it possible to honor this request. 

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-08-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
XXXX XXXX to XX/XX/XXXX Was told only the general customer service was able to recover to XXXX. Although I called before that and didn't get any response nor did my card get cancelled which resulted in more fraud. 

Finally on XXXX I was able after hours of waiting on the phone at XXXX get to a very respectful lady named XXXX XXXX did cancel the mobile app, that I didn't not create and send a new card which charged me XXXX XXXX I filled out the paperwork and emailed everything. Picture documents. 
Also I received my new card and couldn't access it. Due to it being locked for ID verification. I sent that in. Was told it would Only take 24-26 hours to verify ( strange amount of time ) and to call back. Again over an hour and they hung up. Called again another hour and a half to find out they have no records of anything being sent. Told to send again from an different email.

Also the ATM fees were by far exceed the limit stated In their paperwork and haven't been refunded. 
Direct express for government benefits XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation