vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 30 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 30 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.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I received a wire transfer from my XXXX for {$38000.00} on XXXX XXXX. 
The bank immediately yelled Fraud. My account was closed and I here this everytime I call. 
" You have a right to choose your bank and we have the right to chose who we bank for we are excersizing our right and we discontinued our relationship. 
The wire transfer cleared so it is PNC who has the money now at XXXX point I did see it in my savings account. They have since closed out my account and I can not see anything or sign in now. They refuse to tell me anything at first they said I would get a cashier check in the USPS mail. When they send it. It has now been more than XXXX weeks and no word of when I will receive my funds. The bank manager at the bank I have to deal with said if he could talk to my XXXX he would release my money. I called him to see why it got this far and he said he still doesnt trust this transaction. 
This has cost me dearly now we could not have a XXXX dinner my money is being held so no food for XXXX and the things I was going to save on for XXXX Friday will now cost me a lot more. Still can not buy food. We are down to a few eggs to eat. I live off SSD and have a small amount to live on check to check. It may not seem like a longtime to them but it sure is for me and my family. The bank talked to everyone of us myself and my XXXX. The wire cleared. How can the just shut down my accounts and keep these fiunds. Which was also to pay contractors for work done on my home. Please let me know what can be done. 
The only thing I can think that may be wrong is I did receive a check for a some money and that was considered a bad check. Which I had nothing to do with that. I thought it was a grant I had applied for but it was a bad check according to PNC. They sent the check back to the bank it was made from. I did have my account frozen then also. But they did not take this long nor did they get me out of my account as in close it. I have banked with PNC for over XXXX plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: PA

Complaint narrative:
My fianc and I bought a house in XXXX. We went to a store in XXXX, called XXXXXXXX XXXX XXXX and met with a guy named XXXX we explained to him that we wanted to buy two beds one for us and one for our daughter and we found the bed we wanted and as we were going to check out, he explained that we could do a credit application and it would help me with my credit which I figured wasnt a big deal because he just said it would be based off of them checking my checking account for how much I was applicable for. I ended up being able to take the entire amount out, but my fianc just wanted to pay it off right then and there and he was very apprehensive to let us do that and wanted to proceed with this credit application so the only reason I did is because I figured it wasnt going to hurt anything to just make weekly payments. We were explained that it was better to pay it off within 90 days because then we wouldve avoid interest, but we were not in any way shape or form told that if we did not pay this off in 90 days that we would owe a crazy amount of money. Apparently we were supposed to pay this off by XX/XX/year> and at that time we wouldve only owed around {$1100.00} which we wouldve been glad to pay. We went ahead and figured out how to call this place that we have the loan with today XX/XX/year> and they explained to us that we owed over {$3500.00} and that we were basically in a rental agreement. we were not told any of this stuff by the merchant. I am going to reach out to the merchant as well, but I dont think thats going to do me any good at this point because I signed something that I didnt fully understand and what really hurts me. Is that if I dont make the payment of {$2100.00} by XX/XX/XXXX then Ill end up owing that crazy amount of {$3500.00} and some dollars. I really just do not want to do business with people that literally just took advantage of me. I could go the route of returning it, but at this point Ive already paid almost {$2800.00} and I dont want to just forgo that money but I feel like Im stuck here because otherwise Im gon na end up paying way more than I should have to in the first place. Is there anything you guys can do to help me to just pay them what I owe which is {$310.00} or Ill even pay more since its been a little over two months that I was supposed to pay it. I work a very busy job and I dont have a lot of time but I know I shouldve set time aside to call and figure this out sooner I just thought it was something that interest accrued overtime and whenever you paid it, it would be what you actually owe at that time. We really honest to XXXX were not explained any of this information or we wouldve just paid the {$3100.00} that day because thats what we had planned to do. Now Im reaching out to you guys because I feel like thats my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In XX/XX/year>, a debt for {$750.00} from XXXX XXXX was placed in collections with Columbia Debt Recovery ( XXXX ). I disputed the debt because the charges appear incorrect and were never properly explained or documented. 

On XX/XX/year>, I sent a written request for full debt validation. I specifically asked for an itemized bill, receipts or proof of actual charges, the move-out inspection report, photos of alleged damages, and a signed agreement showing that I accepted these charges. 

XXXX responded by mail on XX/XX/year>, but the documents they provided do not validate the debt. They only sent a generic statement and a copy of my lease, but no invoices, no itemized charges, no receipts, no photos, and no proof of actual costs. This does not meet the FDCPA requirements for proper validation. 

Despite not providing the required documentation, XXXX continues to report this debt to the credit bureaus. I believe this is an attempt to collect a debt that has not been properly verified. 

I am requesting that the company provide full validation or remove this debt from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-02 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unaffiliated with these accounts in any way ; removal is required within 15 days per USC 1681g.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I dispute the following charged off accounts and late payment entries on my TransUnion credit report. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$48000.00} XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX CARD - XX/XX/XXXX - {$9200.00} XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXX/XX/XXXX - {$290.00} XXXX - XX/XX/XXXX - {$1700.00} XXXX CARD - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXXXX/XX/XXXX - {$60000.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARDS XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Issue : A XXXX  store employee opened a Barclays credit card in my name without my knowledge or consent. This is an unauthorized account and constitutes identity theft. 

What Happened : On XXXX XXXX I visited a XXXX store to shop. During checkout, the sales representative opened a Barclays/XXXX  credit card in my name without informing or asking me. I never gave verbal permission, written permission, or consent of any kind to open a credit card. 

I only discovered the account later when I received a notification about a new credit card on my credit report. I currently only have one credit card with XXXX, and I had a good credit score of XXXX  before this incident. After this unauthorized account appeared, my score immediately dropped to XXXX. 

What I Did : I contacted Barclays immediately and reported that the account was opened without my authorization. Barclays told me they can not do anything for 90 days so I have to wait for 90 business days This delay is unreasonable and is causing ongoing damage to my credit and financial well-being. 

I also contacted the store and confirmed that the employee never informed me they were opening a credit card in my name. 

Harm Caused : My credit score dropped from XXXX to XXXX I now have an unauthorized account and hard inquiry on my report This affects my ability to apply for loans and future credit I am under financial and emotional stress because of this fraudulent activity What I Want : Immediate closure of the fraudulent Barclays/XXXX credit card account Removal of the account from all XXXX credit bureaus Removal of the hard inquiry associated with this unauthorized application Written confirmation that this was recognized as an unauthorized account/fraud, not a customer-requested closure Summary : This was an unauthorized credit card opened by a XXXX employee without my consent. Barclays refusal to correct the issue for 90 days is unacceptable and harmful. I am requesting CFPB assistance to have this fraudulent account and hard inquiry removed as quickly 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 explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly review the provided materials ; the questions arrived unexpectedly and might not be authorized.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DE

Complaint narrative:
I had {$100.00} taken out of my checking account on XX/XX/XXXX and then {$180.00} was taken the same day through the XXXX anyone on my acct. Then on XX/XX/XXXX {$520.00} was taken out of my checking acct through the same XXXX anyone. I have repeatly called Chime and filed Dispute after Dispute. I have filed a Police Report and even written a hand letter stating I did not make these tranfers I was at work or in bed at the time. Chime keeps denieing my claims and i have called them repeatedly. The last time I called them I got a Supervisor and I expressed my concerns and she said yes she would get to the bottom of it and that was over 10 days ago. So I called again today XX/XX/XXXX and I asked for a Supervisor I explained the curcumstances and I got a little upset with her and she hung up on me. I just want to recupe my {$800.00} that is a lot of money to be frauded out of some one 's acct and not being able to get it back from the bank that you trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation