vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I opened a personal checking account with PNC Bank, along with XXXX and XXXX savings accounts. I already had an existing business checking account with PNC. 

On XX/XX/XXXX, I made a {$1000.00} deposit via XXXX from my spouse to meet the minimum funding requirement. 

On XX/XX/XXXX, I attempted to deposit that same {$1000.00} into my XXXX investment account. I initially tried linking my PNC debit card, but could not complete verification because PNCs mobile app blocks the first two digits of the XXXX 's required 6-digit code. 

As a workaround, I decided to transfer the funds from my PNC checking account to another checking account I hold at a different bank and then deposit those funds into XXXX  from there. I attempted to use XXXX to complete this transfer, but when I tapped on XXXX, I received a notification that my XXXX access had been suspended. I immediately contacted PNCs fraud department as requested, who informed me that my account was under review and the process could take 3090 days. They also told me that my online banking access was suspended and that the only way to conduct any transactions was by visiting a branch in person. 

I was able to transfer the {$1000.00} to XXXX XXXX and then withdraw it to my XXXX XXXX XXXX account. I then used my XXXX debit card to deposit the funds into XXXX. However, shortly after this, the same day, my entire PNC online access was disabled, and my accounts were frozen, including my business checking account, which had {$2000.00} in it. 

I went to a PNC branch in person, completed identity verification again, and fully complied with everything asked of me. The branch banker contacted the fraud department on my behalf, but I was given the same response, that the account is under review for 3090 days with no further explanation or options. 

This extended freeze period is unacceptably long and has potential of causing financial hardship, as I have no access to my funds and have received no clear information on the reason for the review or steps to resolve it. I have not been accused of any wrongdoing and have not been given a clear reason for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX XXXX XXXX, and for the past two weeks, my debit card has been declined whenever I try to purchase tickets at a state-regulated lottery machine that I have regularly used in the past. 

When I called Huntington Bank, I was told that gambling transactions are blocked, and that if I wanted to use the lottery machine, I would need to use XXXX XXXX XXXX  XXXX instead. 

I was not informed of any policy change, and this restriction now prevents me from accessing my own funds for a legal, government-regulated transaction. This has also resulted in roughly {$100.00} in lost state lottery revenue over the past two weeks. 

I am requesting that the bank review or remove this blanket block and allow lawful state lottery transactions to process normally. 

How can a bank block transactions from a legal, government-regulated machine that also helps fund public services in our state? 

This policy is counterproductive. By blocking state-regulated lottery transactions and directing customers to use apps like XXXX XXXX or XXXX, the bank is removing state control for tracking and managing legal lottery purchases by pushing people into less regulated apps. This does not reduce illegal gambling, it only harms lawful, traceable activity that funds public programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IN

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * JEFFERSON CAPITAL SYST * * Regarding : * * JEFFERSON CAPITAL SYST , Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way JEFFERSON CAPITAL SYST is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by JEFFERSON CAPITAL SYST_- The account reported positively for a period of time.

- After I became delinquent, JEFFERSON CAPITAL SYST charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well, I see that there are XXXX Bank accounts that I never opened. 
I see a XXXX, Wells Fargo and a XXXX  XXXX  that I have no knowledge about.And is on my credit reports stopping me from opening app my real account at another bank.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2025 Truist bank issued a 30 day late onto my credit report and failed to notify me that my account was passed due during the 30 days leading up to the derogatory remark that has now stained my perfect credit report. I have all my accounts on auto pay with them and apparently my autopay wasnt enough to cover that bill and I was issued a 30 day late over {$30.00}. I never received a phone call, text, email, anything on my online banking or even a letter in the mail. I have been with Truist through all the mergers and run all my business through them and have never had an issue until Truist merged with XXXXXXXX XXXX  XXXX and changed their systems. I called and spoke with numerous reps and they all agreed it was a banking error and submitted a dispute on their end to the credit Bureaus and made notes of our phone calls in there system. I tried on 4 separate occasions for them to fix this and they said they would and its still on my report hurting me financially. I made them put all kinds of alerts on my accounts now so this will never happen again. I have disputed this on my own over and over again and it still remains. Please help remove this 30 day late from my 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Meta Payments Inc.
State: NY

Complaint narrative:
On XX/XX/25 I attempted to make a purchase on XXXX for an item I never received. The total amount was {$430.00} and the payment was processed via Meta pay. I contacted Meta pay immediately after I realized that it was a scam. Immediately after the processed payment went through the receiver of the money inactivated his account on Meta pay and on XXXX. I received a response from Meta pay that stated they would refund my account for the total of {$430.00} and that would be in my account within XXXX to XXXX business days. I have the email verifying this information which is available via attachment. I waited the XXXX business days and contacted Meta pay because my financial institution does not have any record that this refund was processed. I have since contacted them XXXX more times and they have not responded to any of my most recent emails. I would like metapay to respond to my emails in regards to my promised refund for the fraudulent activity that was placed on my account. They allowed a payment to be processed when immediately after the receiver of the money inactivated his XXXX and his XXXX account. They agreed it was an fraudulent transaction and offered a refund on XX/XX/25.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I think its debt collectors from medical debt. They keep calling me no matter how many times I block them already paid the medical debt so I dont know why they keep calling me and I want the harassment to stop and threaten to kill me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am victim of identity theft. Chase is holding me responsible for a credit card account ( ending in XXXX ) that does not belong to me. I have never opened or used this account. Chase reviewed the account and determined it was valid, claiming the payments were made from a chase checking account under my name, but this is incorrect. The checking account ( ending in XXXX ) does not belong to me as well. I have provided documentation to these accounts are fraudulent, but Chase has not corrected the situation or removed the account from consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
My name is XXXX XXXX I need XXXX request by law and request by my rights to remove my security alert or fraud alert placed on my credit reports forXX/XX/XXXX and TransUnion andXX/XX/XXXXwithout me calling in to XX/XX/XXXX customer support line support phone number and filling out a form to do it I need XX/XX/XXXXXX/XX/XXXX to do it asp when XXXX do it and also make sure my phone number is XXXX is updated on my credit reports as currently to get texts messages and phone texts messages etc and my ssn is XXXX please call me if you have any questions or email me XX/XX/XXXX XXXX or call me XX/XX/XXXXXXXX with any questions etc

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 2025-10-16 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: TX

Complaint narrative:
This document is my follow-up response to Experians notice claiming all accounts were verified. I am providing this to request full verification or deletion under FCRA XXXX ( b ) & 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 2025-10-15 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 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 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 XXXX XXXX am the primary consumer of the complaint and there is no XXXX XXXX involved. This complaint was not submitted in error.

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 2025-10-15 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 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 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 XXXX XXXX am the primary consumer of the complaint and there is no XXXX XXXX involved. This complaint was not submitted in error.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> ( basically today ) Ive came across this transaction saying {$200.00} has been taken from returned deposit item. I thought at first it was a scam called TRUIST. They said my check is not probably authentic and they will reach out to me the next day to see whats the problem. My issue is I told them I went to the gas station bypass the pin after that my {$200.00} has been taken. Currently, it says Im at - {$34.00}. In reality i should have XXXX . I believe that TRUIST took my money thinking that my pay roll check is not real which it is because they been accepting that same check for weeks with the same pay of XXXXXX/XX/XXXXper week, also it is ran by my families restaurant. The messed up part is when they accepted my check, but then the next day took that same amount of that payroll check from my account. I hope this can be resolved as soon as possible, because there are certain things that I have to pay by a certain date.

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 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
I spoke with reps from Pennymac on XX/XX/XXXX, and XXXX, 2025. I am still having trouble making my regular monthly payments. I feel as if I have been strategically set up to foreclose on my property by Pennymac. I asked for help, and they keep giving options that I do not qualify for, such as a short sale or trial payments, which is just as much as the regular payment, when I have explained to them over and over that I have a reduction in income because my wife became ill and is waiting to return to work. They left me no choice but to accept the XXXX trial payment modification options because my back is against the wall about trying to save our home. Reducing my payment by a few dollars was not the ideal solution since I lost so much income. I just finished another application for assistance that is due on XX/XX/XXXX2025, according to the letter in the packet, but the website deadline says XX/XX/XXXX2025. I received XXXX letters from their attorney, giving me until XXXX XXXX, 2025, to respond to their letter, but last week they sent another letter demanding the full mortgage amount because there is now an active foreclosure on my property. I have proof of payments for some of the dates that their attorney has in their letter. This was during a trial period. And according to XXXX mail alert, there is a XXXX letter on the way as of XX/XX/XXXX2025. What happened to the XX/XX/XXXX and XX/XX/XXXX deadlines? I wish that I were getting as much help as I am getting foreclosure notices and threats. Whenever I call for answers or help, I am always directed to options that I do not qualify for, and no one can provide me with a straight answer about which choice to select for assistance because the outcome of my choice is a trivia. I was even told that Pennymac does not make the decisions on my modification and that the fate of my loan was controlled by XXXX XXXX. This was the first that I heard this. I feel as if they have stringed me along to this point, creating more time to pass by and more overdue payments, and have done the minimum to help my situation. A brilliant scheme to take properties. I am tired of playing trivia with my home, but I refuse to give up because I have worked too hard. They gave me deadlines, but rushed me to finish my application by proceeding with foreclosure and letters from their lawyer. It is all so confusing and inconsiderate.

Company response to consumer: Closed with explanation