vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
XX/XX/XXXX, someone had smashed my window and stolen my wallet out of my truck. I had cancelled all my cards/credit cards. XX/XX/XXXX, someone had used my ID and went to my Bank ( PNC ) and was able to check my balance, write out a withdrawal slip, and take out XXXX XXXX all of my money at the time. Then, later the same day, deposit a fraudulent check for XXXX $ written to me and signed by me. I reported it that night ( XX/XX/XXXX ) to the fraud department but it was close to closing hours so theyre trying told me to call in the morning. I went into PNC XX/XX/XXXX and reported it. I signed an affidavit for the fraud. I had to repeatedly go into the bank to demand updates on what had happened, because it was their fault. XX/XX/XXXX, I went in because my monthly Annuity check for XXXX $ was deposited even though the account was frozen. I have called multiple times, spoke to customer service who said I should be able to go in and retrieve that money. I went in, and they are saying that Annuity check is going towards the negative balance, which was caused by them. On XX/XX/XXXX, i went in to see about the annuity and the missing XXXX. That same woman had told me the paperwork was filled out wrong when I signed the affidavit. She ended up giving me XXXX $ and said everything is taken care of. I didnt understand why she had given me XXXX when it was XXXX that was stolen. But she said thats what was in my account. The whole thing is just a mess. I just want my annuity check because I live off that. Its from a bad car accident where I needed XXXXXXXX XXXX XXXX and Im a single mom. The happened over a month ago and still isnt resolved. I even contacted the police about it and have a detective. They put in a subpoena for the photo they have of the girl that used my ID to do all of this. It was the bank you let it happened, they didnt check the ID well enough. XXXX only XXXX foot XXXX, and most XXXX XXXX XXXX females are taller than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
With regards my previous complaint ID XXXX I contacted XXXX per your suggestion. In this complaint XXXX XXXX from Nelnet states " On XX/XX/XXXX, we received additional loan disbursements in the amount of {$4000.00} from XXXX to be included in your consolidation. " XXXX denies this and provided the attached response. I will quote below : " Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We understand your concern is with your current balance with Nelnet. After reviewing your account, we have found that XXXX processed a consolidation request for your loans. This consolidation was disbursed XX/XX/XXXX, for {$14000.00}. We have attached to this response a copy of the loan summary for this consolidation. 

You have mentioned in your complaint that a loan disbursement dated XX/XX/XXXX, was returned by the school and should not have been included in your consolidation. Any disbursements after the consolidations completion would not be included in the balance of the consolidation. For any concerns with disbursed loans outside of the consolidation would need to be addressed by the servicer of that loan '' In the attached file I named consolidated.png I see correct information. 

Loan XXXX {$3900.00} disbursed XXXX XXXX XXXX {$7400.00} disbursed XXXX Loan XXXX {$3000.00} disbursed XXXX ( Term XXXX of XXXX that I went back to school ) XXXX : {$14000.00} This information is correct. I attended XXXX more term at XXXX after this for {$4200.00} for grad school ( all others were undergraduate ). 

There is no possible way this equals {$22000.00} dollars. It would be just over {$18000.00} ( minus any payments I made etc. ) All the information I have points to the balance shown by Nelnet to be incorrect. XXXX denies additional distribution in XXXX in the CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Finance and Late fee charges even after all balance is cleared - synchrony credit card Total Amount due in XXXX statement ( XX/XX/XXXX ) : {$22.00} which include a late fee of {$10.00}, finance charge of {$2.00}, and actual recurring charge of {$10.00}. 
To clear the balance due ( {$22.00} ) and recurring charge for XXXX {$10.00} ; I paid {$32.00} on XX/XX/XXXX to clear the total balance including the charges for XXXX. 

For XXXX statement, I paid the recurring charge ( {$10.00} ) on XX/XX/XXXX before the dure date XX/XX/XXXX. Despite me paying the XXXX amount due in the last statement and additional {$10.00}, they still charged me a finance charge of {$2.00}. 

For XXXX statement, they charged me again a Late fee of {$12.00} and finance charge of {$2.00}, even after the balance was all cleared up on XXXX XXXX. 

I explained to them over the phone for an hour, including supervisor on how the finance charge/late fees in the XXXX and XXXX statements are incorrect as I already cleared the total balance in XXXX statement, but they wont correct it.

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 2025-06-12 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-12 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: VA

Complaint narrative:
Legal Department, This is now my third attempt disputing these accounts. Not only are they not mine, but they keep being reinserted without proper notice, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, these accounts are reporting inaccurate and conflicting information across the bureaus. For example, the XXXX XXXX account # XXXX is being reported as current on XXXX report and late on another, which is yet another FCRA violation under 623. There are multiple similar discrepancies on my credit report. As Shown Below! 

If these accounts are not permanently deleted immediately, I will be escalating this matter with my attorneys at McCarthy Law Firm to initiate legal action for these violations. 

I am also formally requesting a Method of Verification ( MOV ) under FCRA 611. Please provide a detailed explanation of how and from whom these accounts were verified. Failure to do so will be considered non-compliance and will further support my legal claims. 

Accounts are 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

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 2025-06-12 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
To Whom It May Concern, I am filing a complaint against TransUnion regarding the inaccurate and unverifiable reporting of a collection account from XXXX ( Acct # ending in XXXX ). 

I have been disputing this account since XX/XX/XXXX and have sent multiple disputes with no resolution or results. Under the FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681e ( b ), 1681i ), credit reporting agencies are required to ensure the maximum possible accuracy of the data reported and must conduct reasonable investigations when disputes are submitted. TransUnion has failed to meet those obligations. 

Here are the major discrepancies : Date of Last Activity : TransUnion shows XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. This nearly XXXX difference suggests the account has been re-aged, a serious violation of federal law if done improperly. 

Account XXXX : TransUnion lists the account as XXXX, while XXXX  reports it as Closed. 

Creditor Remarks : TransUnion claims the information " meets FCRA requirements, '' yet this contradicts the XXXX  remarks and the mismatched activity dates. 

Account XXXX : TransUnion does not list any account type, making it impossible to validate or understand the context of this reporting. 

Because of these conflicting, incomplete, and unverifiable records, I am demanding that TransUnion delete this account entirely from my credit report. Correction is not a solutionthis account can not be verified accurately, and under FCRA XXXX, deletion is required. 

Evidence is attached showing the inconsistencies between TransUnion and 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year>, collection account XXXX for {$210.00} from XXXX XXXX XXXX was deleted from my XXXX  report. On XX/XX/year>, I called XXXX  and was told by a representative that the deletion occurred because XXXX XXXX XXXX agreed to delete the collection. 

However, after my second TransUnion dispute was denied on XX/XX/year> ( File ID : XXXX ), I called XXXX XXXX XXXX. The agent denied agreeing to the deletion and stated they didnt know why XXXX told me that. They also claimed the account would be re-reported to XXXX  next month, contradicting the deletion confirmation I received.

This account remains on my TransUnion and reports despite documented removal from XXXX and no proper validation provided. Im requesting that TransUnion investigates the accuracy of this account and verify its legitimacy, as required under the Fair Credit Reporting Act.

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 2025-06-12 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
statement of facts XX/XX/year> re : regarding your response me. 


Subject : Request for Waiver of {$120.00} Annual Fee Account Discrepancy and Breach of Terms Dear XXXX XXXX, I hope this message finds you well. I am writing to formally request that the {$120.00} annual fee associated with my account be waived, as I believe there has been significant miscommunication and a breach of your companys terms and conditions. 

After reviewing the response I received from your team, I find it to be vague, contradictory, and ultimately confusing. Given this, I feel as though I have been taken advantage of as a consumer. To clarify, I had previously alerted Continental Finance regarding unauthorized fraud charges on my account. Despite this, the response I received from your company did not properly address the situation and instead pointed to unclear terms that, in my opinion, are being used to unfairly penalize me. 

In accordance with the terms and conditions, I was led to believe that if I had not used the card, I could reject the {$120.00} annual fee. To quote the exact language from the terms and conditions : " You may still reject this plan, provided that you have not yet used the Card. '' I did not use the card, and I promptly declared an affidavit over the phone with your company regarding the fraudulent charges. Yet, despite this, I am still being charged the annual fee, which feels like a violation of the contractual agreement that Continental Finance has with its customers.

Furthermore, your companys failure to properly disclose this information at the outset, or to provide me with clear and accurate details about the terms, has only compounded the issue. Had I been made aware of the clause regarding rejection of the plan, I would have made an informed decision regarding my account and the associated fees. 

I want to emphasize that this situation has escalated to a point where I have had to involve the XXXX XXXX XXXX XXXX XXXX XXXX, the California Attorney General 's office ( XXXX XXXX ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency. A copy of the correspondence from your team has been sent to these agencies for further review. 

Given the circumstances, I am requesting that the {$120.00} annual fee be waived in full, as it appears to be in direct violation of the terms set forth in your own agreement. I trust you will review my case with the seriousness it deserves and resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your response and a resolution in the near future. 

Sincerely, XXXX XXXX account 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