vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________

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 2025-03-19 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am writing to formally request the resolution of a pending transaction that has not been completed or refunded in accordance with your coinbase policy. 
Date of Transaction : XXXX XXXX Amount & Cryptocurrency Type : [ {$95.00} & XXXX ] According to XXXX XXXX, transactions that are not completed within 30 days should be automatically refunded. However, I have not received my funds back, nor has the transaction been processed. 

I have attempted to resolve this issue through the Coinbase platform without success. As a result, I am requesting an immediate review and refund of my funds. 

I appreciate your urgent attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Formal CFPB Complaint Letter Against PNC Bank For Unjustified Escrow Deletion Fee Company Information Company Name : PNC Bank Loan Account Number : XXXX Company Address : XXXX XXXX XXXX, XXXX, PA XXXX Subject : Complaint Against PNC Bank for Imposing an Undisclosed Escrow Deletion Fee Dear Consumer Financial Protection Bureau XXXX CFPB ), I am filing this complaint against PNC Bank regarding an unjustified and undisclosed escrow deletion fee of {$1200.00}, which they have imposed on my mortgage loan account XXXX. This fee was never disclosed in my original mortgage loan agreement with XXXX XXXX XXXX, from whom PNC Bank acquired the servicing rights to my loan. 


Upon requesting the removal of my escrow account, I was informed that PNC Bank was imposing this fee under Section 13 : Extension of Credit Charges in my loan agreement. However : 1. This Clause Does Not Explicitly Mention an Escrow Deletion Fee : The language in Section 13 allows for certain charges, such as attorneys fees and property inspections, but does not specifically authorize an escrow deletion fee. 

PNC Bank is misinterpreting this clause to justify an arbitrary fee that was never disclosed at closing. 



XXXX. My Loan Transfer Notice States Nothing Else About Your Mortgage Loan Will Change When my loan servicing was transferred from XXXX XXXX XXXX to PNC Bank, I received a Loan Transfer Notice dated XX/XX/year>, stating : Nothing else about your mortgage loan will change. 

Since XXXX XXXX  did not charge this fee, PNC Bank should not have the right to introduce it post-transfer. 



3. The Escrow Deletion Fee Was Never Disclosed in My Closing Documents I have reviewed my Closing Disclosure, Loan Estimate, and Mortgage Loan Agreement from SecurityNational Mortgage, and none of these documents disclose an escrow deletion fee. 

Under RESPA ( Real Estate Settlement Procedures Act ), mortgage servicers are required to clearly disclose fees related to loan servicing. 



4. PNC Banks Actions May Violate Consumer Protection Laws The introduction of this fee post-loan transfer appears to be an unfair and deceptive practice, potentially violating : RESPA ( 12 U.S.C. 2601 et seq. ), which prohibits hidden or excessive servicing fees.

UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) guidelines enforced by the CFPB. 

Requested Resolution : I am requesting that PNC Bank : Immediately waive and remove the {$1200.00} escrow deletion fee. 
Provide a written explanation of why they believe this fee is justified under my original loan terms. 
Cease the practice of imposing undisclosed fees on transferred mortgage accounts. 

I appreciate your time in reviewing this matter and look forward to your prompt response. Please let me know if additional information is needed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I had another collections agency report this account on my credit report last year and I got help with CFPB in removing it from my credit report. I was successful in getting it removed from my credit report by exorcising my rights under the XXXX for XXXX XXXX service members. I had no contact with anyone regarding this debt from this company. My credit report shows the original creditor is XXXX. My entire bill was ( so I thought ) waived and ended phone service free of charge due to being XXXX in the XXXX XXXX, and the months leading to XXXX. I had no knowledge of this debt, nor was I contacted. My old XXXX account that I had around the time I was XXXX was waived free of charge ( so I thought ) so this collection in inaccurate. It is currently affecting my credit score severely and I am the only source of income for my household. I have a wife, XXXX daughters, and another baby on the way. We have paid thousands of dollars in debt and then get hit out of nowhere with this. I am requesting removal of this from my credit report ( again ). This time it is showing under Sunrise Credit Service. I was not contacted in any type of way by this company and I was under the impression everything was fine considering CFPB helped with the removal of the previous debt collection agency. 
I have attached my XXXX orders to this complaint.

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 2025-03-19 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: IL

Complaint narrative:
CFPB Complaint Immediate Removal of Fraudulent XXXX XXXX Charge-Off To : Consumer Financial Protection Bureau ( CFPB ) Subject : Unlawful Reporting of Fraudulent Charge-Off Immediate Removal Required Issue Summary : I am filing a formal dispute against TransUnion for failing to remove an incorrect charge-off reported by XXXX XXXX ( XXXX ). This account includes fraudulent charges, and its charge-off status is invalid under federal law. 
Details of Disputed Account : Creditor Name : XXXX XXXX Account Number ( Last XXXX Digits ) : [ XXXX ] Status Reported : Charge-Off / Derogatory Collection Amount Reported : {$1700.00} Date Reported : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Bureau Involved : TransUnion Legal Basis for Immediate Deletion : 1. Fraudulent Transactions Nullify the Charge-Off ( 15 U.S.C. 1666 Fair Credit Billing Act ) This account contains fraudulent transactions that were disputed with XXXX XXXX. 
Under the **Fair Credit Billing Act ( 15 U.S.C . 1666 ), I am not legally responsible for unauthorized charges. 
Because the reported balance was not valid, the charge-off itself is also invalid and must be removed immediately from my credit report. 
2. TransUnion is Violating the FCRA by Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) Under the Fair Credit Reporting Act ( FCRA ), credit bureaus can not report information that is inaccurate or unverifiable. 
Since the charge-off is based on fraudulent charges, it is legally inaccurate and must be deleted from my file immediately. 
XXXX. If TransUnion Can not Verify the Charge-Off, It Must Be Removed ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The FCRA requires credit bureaus to remove any item that is incorrect or can not be verified. 
If XXXX XXXX can not provide proof that this charge-off is valid, TransUnion is legally required to delete it.

4. Federal Law Requires Immediate Deletion of Invalid Charge-Offs ( 15 U.S.C. 1681c ( a ) ( 5 ) ) A charge-off based on fraudulent activity is considered inaccurate reporting and must be removed immediately from my credit report.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
My wife received a phone call from a debt collector on XX/XX/year>. The Debt collector was trying to solicit payment for a loan that I did not request. I checked my credit report through XXXX and noticed that a ~ $ XXXX loan was taken out with my identity roughly XXXX months prior. See highlighted installment loan on my attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-19 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: PA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank has begun a corrupt campaign against me in attempted retaliation for exposing their false business practices and their thefts and their lies against the CFPB, me, and others. They have begun doing things like identity theft, they have harassed me over the phone, they have lied about my account, they have lied to the police and the cfpb, I had to file a police report against them, multiple in fact, they started denying disputes without any reason or evidence in attempt to steal from me, they were abusive over the phone, they began doing criminal fraud against me, this all dates back to when I opened the account with them. Any disputes that they closed without giving the money back to me were done fraudulently by Wells Fargo, under false pretenses in a stalking, lying and criminal manner. They lied about several investigations and attempted to cover up the reality of the situation obviously. They began a campaign of criminal activity including attempted murder, making murder threats, lying to people about it, attempting to defame me, coercing and manipulating police and the cfpb, when the evidence was exposed they attempted to destroy it, when they were exposed they attempted to destroy themselves, they went completely insane and in rage and attempted trying to lash out at others about the material facts of their cases with the cfpb and in other capacities. They attempted a campaign of extortion against me and when the evidence was presented they attempted to deny it illegally and attempted to suppress the truth and made threats against lawsuits against them those threats were criminal in nature and range from murder threats to threats to steal money illegally under false pretenses. They are now totally exposed this is the truth. I'm a XXXX and this is what they were doing so it was a hate crime also against me over the course of several years.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOCIATION is reporting inaccurate information on my credit report. This misinformation must be corrected and removed immediately. I expect prompt action to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. XXXX ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-03-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. XXXX ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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