vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Around XX/XX/XXXX, while I was looking for a job, I fell into a scam from a fake company that turned out to be a crypto scam collecting peoples personal information. I mistakenly provided my PNC bank information. I called PNC that same day to close my bank accounts and to have my remaining funds sent to me because I planned to open a new account. The representative told me they would send me three checks for my three accounts one savings and two checking. The savings account had {$6600.00}, and the two checking accounts had {$4100.00} and {$2500.00}. 

The next day, I opened three new accounts. After waiting for a while, I called again around XX/XX/XXXX and was told to wait seven business days. I waited the seven days and called again on XX/XX/XXXX, and they told me to contact a different department. That department then directed me to others. I called several numbers, including ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Eventually, someone was finally able to help me and informed me that the checks had been lost and needed to be reissued. 

I verified my address multiple times with different representatives, and I know they have the correct address because they successfully sent me confirmation letters for my new accounts. I waited again and called on XX/XX/XXXX to say that the checks had not arrived. I decided to give it one more week, but still nothing. On XX/XX/XXXX, I called again and found out that the checks were being returned to the company because my unit number was missing even though I had verified it multiple times. 

At this point, I dont know what to do next. They gave me the number of a representative to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I refinanced my car and it was paid off and confirmed by XXXX. Contacted XXXX several times and they declined my request. Credit bureaus are responsible for verification of the information credit bureaus put on my account pursuant to the California Civil Code and the federal Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX, I called about logging into the XXXX XXXX. I logged in and checked my balance. I set up to send {$300.00} on XXXX toward my principle. Today, I saw my credit report was XXXX pounds lower. I checked on several credit reporting bureaus and found that they were reporting me past due. I checked and saw they had not taken a payment since XXXX. What I think happened is when I tried to make the payment to pay toward the principal, it deleted the regular payment. This was not my intention. I have {$20000.00} in that account to pay the mortgage. However, instead, I never heard from them. I had called them several times and provided updated contact information. I had mailed them back a paper. However, they told me today they were contacting all my Mississippi numbers, and said I had hung up on them. However, I am not in Mississippi and no longer have that number. Given that a check into their system could show that this is what happened, I asked to speak to a supervisor, and she basically told me no that they would not do anything she did not. I am a good timely paying customer. I work tirelessly to have enough money to cover my bills and save to pay toward the principal. I was just trying to pay toward the principal using the app, which was what they recommended. Now, my credit is damaged as if I were a delinquent person. I am not planning on buying anything, but I feel it is wrong that they refused to look into anything. They refused to make a change to the credit record. I have the original mortgage with them since 2018 almostXX/XX/XXXXyears ( this is a refinance ). However, I was treated like a common delinquent vagrant. This is not customer service. this is persecution. They didn't want to help me no matter what I said. I thought they were a small enough bank to care about me and to know that I would not do such a thing as failing to pay when there are ample funds. However, it is clear that they are no different than anyone else. I will not be doing business with them in the future. They don't deserve my business. Please note I do not have any documentation as I am locked out of the portal and after this experience I never want to log back in ; but they can check and see that I made a payment at that time which is what must have caused this whole travesty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-24 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: Veros Credit, LLC
State: CA

Complaint narrative:
I want this deleted immediately this was not me and I been going back and forth with them as my identity was stolen and a police report was made and I immediately want a thorough investigation. I want this deleted immediately 15 USC 1681, 15 usc 6802, ( 15 usc 1666b. I will sue next because this needs to be fixed and investigated immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have completed a credit dispute with Experian to fix errors on my credit report. I submitted documentation showing the disputed account with XXXX and was provided an updated document from XXXX showing my account status was updated but the customer service agent with Experian stated he did not have information that showed my account was updated and refused to correct the problem.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal took unauthorized money from my chase check account, promotion fraud name XXXX {$300.00}, said they would credited money back, then put draft of $ XXXX on PayPal online, fraud name XXXX, don't know what service or product is provided. But I spoke to PayPal customer service abt the fraud of {$300.00}, they credited to my chase checking account, and then charge the amount to my online PayPal account as $ XXXX. I never received a service, product or anything, XXXX in connection with PayPal fraudulently withdrew {$300.00} from my chase checking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: OR

Complaint narrative:
I am filing a complaint regarding a collection accounts that XXXX XXXX XXXX XXXX has reported on my equifax, experian, and transunion report. These accounts is being reported on my equifax, experian, and transunion credit bureaus, but I have not received proper validation or documentation to verify that this debt belongs to me or that XXXX XXXX XXXX XXXX has the legal right to collect or report it. I requested validation of the debt from XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) but have not received sufficient proof, such as a copy of the original signed agreement, itemized statement, or assignment of ownership from the original creditor. Despite this, the company continues to report the collection on my credit file, negatively impacting my credit score and causing financial harm. Additionally, the company has failed to provide clear information about the original creditor, date of default, and how the current balance was calculated. I believe this may constitute violations of both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), as the information appears to be inaccurate and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
I have completed a credit dispute with Experian to fix errors on my credit report. I submitted documentation showing the disputed account with XXXX and was provided an updated document from XXXX showing my account status was updated but the customer service agent with Experian stated he did not have information that showed my account was updated and refused to correct the problem.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate and conflicting information to all three credit bureaus. The same account is being reported with different balances, statuses, and outcomes across TransUnion, XXXX XXXX XXXX 
TransUnion : XXXX separate XXXX tradelines, XXXX showing {$0.00} balances and XXXX showing {$180.00} past due or charged off. 
XXXX  : shows the account as charged off with {$180.00} written off and {$120.00} past due.Then another account with a balance of {$48.00} XXXX  : shows the same account as closed and paid, {$0.00} balance, in good standing. 

This pattern violates the Fair Credit Reporting Act 1681s-2 ( a ) and ( b ), as Kikoff has furnished false, incomplete, and conflicting data to the credit bureaus and failed to ensure maximum possible accuracy. It also violates Metro 2 standards prohibiting duplicate or contradictory reporting. 

Because this account has been reported inconsistently and inaccurately across all bureaus, I am requesting immediate and permanent deletion of all XXXX tradelines from every 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 2025-10-24 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: CA

Complaint narrative:
I am writing to formally dispute one or more bankruptcy listed on my credit report. These entries are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

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 2025-10-24 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: GA

Complaint narrative:
I am extremely worried because the credit report still shows accounts that should have been removed and they are still affecting me. I have attached the documents hoping that someone will truly review them so I can stop feeling helpless over this situation.

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I am disputing this account because I have already attempted to resolve it directly with LVNV Funding. I sent certified XX/XX/XXXX and regular mail 14 days later after I didnt hear from them. I sent them both certified and regular mail over 30 days ago, including proof of payment and communication requesting confirmation of receipt and resolution. Despite following proper procedures and allowing sufficient time, I have not received any response, acknowledgment, or update from their office. I am providing this information to show that I acted in good faith to settle the matter, and I request that this account be reviewed, investigated, and corrected or removed accordingly from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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