vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am disputing an unauthorized electronic funds withdrawal from my PNC Bank account in the amount of {$490.00} on XX/XX/XXXXXXXX  by XXXXXXXX XXXX XXXX XXXXXXXX VA . I did not authorize this merchant and received no benefit from this withdrawal. 

I first became aware of this merchants activity only when I noticed the {$490.00} debit ( and another unauthorized debit a week later ). I immediately contacted PNC to stop payment and dispute these pending transactions. During that call, the PNC representative informed me for the first time that this company had been debiting my account since XX/XX/XXXX. I had no knowledge of these earlier charges until that disclosure by PNC. 

PNC refunded two earlier unauthorized withdrawals of {$120.00} each, but denied the {$490.00} dispute. Their explanation was that refund eligibility is tied to the date of the first unauthorized transaction by the merchant ( XX/XX/XXXXXXXX  ), rather than the date of the specific unauthorized withdrawal in dispute. 

This denial is inconsistent with Regulation E ( 12 C.F.R. 1005.6 ), which limits consumer liability for unauthorized electronic fund transfers and protects consumers so long as notice is given within 60 days of the statement showing the unauthorized transfer. The {$490.00} debit was reported within that timeframe. 

Additionally, Regulation E 1005.11 requires the bank to investigate disputes promptly ( generally within 10 business days ) and either resolve the matter or provide provisional credit while continuing its investigation. Despite my having notified PNC promptly once I became aware, they denied the claim outright. I have contacted PNC on at least seven separate occasions regarding this matter, but it remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
II am filing a complaint against Bank of America for inaccurate credit reporting and failure to resolve a dispute in good faith.

In XX/XX/year>, I paid off my Bank of America credit card in full. Despite this, the bank assessed erroneous finance charges after the statement closing date. These charges were not valid and resulted in Bank of America reporting my account as delinquent for four consecutive months to all three major credit bureaus. 

I disputed this information with the credit bureaus, but Bank of America denied the dispute without providing a clear explanation or supporting documentation. I also requested a detailed statement of the charges directly from Bank of America, but they failed to respond or follow through. 

This inaccurate reporting has significantly damaged my credit score and is negatively impacting my ability to obtain financing, housing, and other essential services. I believe this constitutes unfair and negligent behavior on the part of Bank of America, and I am requesting the CFPBs assistance in investigating this matter and ensuring the erroneous information is corrected.

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 monetary relief
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
Subject : Request to Remove Incorrect/Outdated Account from Equifax Hello , I need help with an account that XXXX XXXX XXXX has been reporting on my credit since XX/XX/year> ( over 10 years ). The balance shown is {$7900.00}. Under the Fair Credit Reporting Act, the sevenyear reporting period for negative information begins at the date of first delinquency this account should no longer be reported. 

Additionally, the payment history on my file was changed to indicate I never made a single payment, which is not accurate. Ive tried contacting XXXX XXXX by phone and email, but they have not responded. Can someone please help me get this company to do the right thing? This has caused me many issues with trying to move on from this when I've tried to purchase a car and now a house. I'd appreciate it, if anything can be done to assist me. Thank you! 

Company : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year>XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: AZ

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
Dont have exact dates but it was several times up to 2 years ago I needed to know how to transfer loan, I ask about pslf they kept giving me the run around was on hold for long periods of time, my amount was XXXX parent plus loan I took out for my son, but I work for the gov I just want the forgiveness I qualify and they told me I did just kept referring to other agencies,

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
This is not a mistake. My credit report contains inaccurate entries that are harming my credit and causing significant financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, my {$30000.00} deposit into my SOFI savings account failed leaving the account in negative balance and SOFI froze my account access and would not let me view information. The bank ( XXXX XXXX ) that returned the ACH eventually fixed the error and mailed a check to correct the negative Balance in the SOFI account and the check was cashed by SOFI on XX/XX/year>, via XXXX XXXX  XXXX XXXX ACCOUNT where SOFI holds an account. 
However, another bank ( XXXX XXXX  ) also closed my account also made a XXXX check to SOFI since the funds were withdraw before the transfer failed and SOFI cashed the check, sent to the same XXXX XXXX XXXX SOFI ACCOUNT. 

However, SOFI maintains a negative {$30000.00} balance in the account and will not honor the two check deposits and allow me to withdraw my {$30000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the bankruptcy entry currently listed on my credit report. I have never filed for bankruptcy, and this entry is completely inaccurate and fraudulent. Its presence on my report is causing significant harm to my credit reputation and is misleading to any potential lenders or institutions reviewing my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

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 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 2025-09-12 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: FL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED XXXX XXXX  XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: AL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  {$5000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XXXX XXXX  Transworld system purchased and placed a collection of a fraudulent amount ( {$18000.00} ) on my rental profile & credit profile. Without contacting me prior to attempt to settle the debt or dispute the debt. Prior before sending it to collections wrongfully. Violating court orders. This account has been sealed by a California state court and overviewed by a state judge on XX/XX/year> the original creditor being the Homecoming at the preserve. Trans Word system is attempting to collect a fraudulent amount that consist of thousands plus over the initial amount that was agreed upon in court with the original creditor on XXXX of XXXX. This account was sealed and was not allowed to be sold per. The judge orders. Im demanding that trans world system takes prompt actions by removing this wrongful and fraudulent debt completely off of all of my credit profiles & rental profile immediately, per the judges order and court order which is attached for viewing which shows that this account is a sealed record and shouldnt have been sold or messed with. Trans world system is not only attempting to collect a fraudulent amount but also going against the court order.

Company response to consumer: Closed with explanation