vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have been a dedicated member of my local PNC branch in XXXX Florida. I have noticed that there has been some unauthorized activity on my account and has caused me financial distress. I as a consumer have brought this to their attention and the matter has not been solved to this date. I plan to file a XXXX  compliant as well. I entrusted this bank with my life savings and to manage my household funds to reconcile my records and discover that my money has not been placed in the account as deposited. One can only assume an employee at the bank has mismanaged my funds. The amount of {$3700.00} on XX/XX/XXXX, {$1000.00} XX/XX/XXXX ; {$540.00} on XX/XX/XXXX ; I have been more than patient with the banking institution to investigate and return my funds and haven't been successful besides on provisional credit on another account that I noticed foul play

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 am disputing an inaccurate late payment reported by [ XXXX ] to [ Experian Information Solutions Inc. ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report.

Additionally, case law such as Edward Seamans v. Temple University ( 2014 ) and Saunders v. Branch Banking & Trust Co. of VA ( BB & T ) ( 2008 ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-04-14 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: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-04-14 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: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I used PayPal  Credit ( issued by Synchrony Bank ) to pay {$1100.00} on XX/XX/2024, for furniture purchased from XXXX. The items ( a desk and XXXX  chairs ) arrived in severely damaged, unusable condition on XX/XX/2024. I immediately submitted photo documentation to the seller, who refused a full refund and instead offered partial reimbursements ( XXXX XXXX ). 

I escalated the dispute through XXXX Resolution Center, under Case ID : XXXX, and requested a full refund. Despite clear evidence, my claim was denied, contradicting XXXX own Buyer Protection Policy.

According to XXXX  Buyer Protection Policy ( source ), a buyer is eligible for a full refund if an item is " Significantly Not as Described '' ( SNAD ). Specifically, XXXX defines SNAD to include : The item was damaged during shipment. 
The item is materially different from the sellers description of it. 
The condition of the item was misrepresented ( e.g., the listing said new but the item was used ). 

My purchase clearly qualifies under this policy. PayPal Credit ( Synchrony Bank ), however, failed to apply this policy and failed to uphold my protections under the Fair Credit Billing Act ( 15 U.S. Code 1666 ). This law requires card issuers to properly investigate disputes and withhold payment when goods are not delivered as described. 

Additionally, XXXX has a documented history of fraud, with thousands of complaints online involving the same pattern of behavior : shipping substandard goods, denying responsibility, and offering partial compensation to avoid chargebacks. 

References : XXXX : XXXX : XXXX XXXX XXXX XXXXXXXX : XXXX ScamAdviser XXXX XXXX XXXX XXXX XXXX : I respectfully request that the CFPB investigate Synchrony Banks failure to enforce XXXX  Buyer Protection Policy and ensure that full consumer protections under U.S. law are applied. I am seeking a full refund of {$1100.00} and accountability for the dispute denial.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against XXXX Chase Bank regarding the forced closure of my credit card accounts and discriminatory restrictions placed on my transactions, which I believe constitute unfair and retaliatory practices. 
Background and Timeline : In XXXX, I submitted a complaint to Chase Bank, providing evidence of what I believed to be fraudulent or unethical conduct by the bank. 
Shortly after submitting my complaint, XXXX forcibly closed my existing credit card account ( ending in XXXX ) without providing a clear or justified reason, other than referencing a vague pattern of abuse of the claims process. 
In XXXX, I was approved for a new Chase Sapphire Preferred credit card. However, I soon discovered that Chase was blocking all of my transactions on XXXX, even though my account was in good standing and my credit limit was sufficient. 
After several declined XXXX transactions, Chase again closed my new account, citing the same unsubstantiated reason as before. 
Evidence : I have attached screenshots showing : My account status as closed with a {$0.00} balance and no available credit, despite pending transactions. 
Multiple declined XXXX transactions, even though my account was open and in good standing at the time. 
The official closure notice from Chase, which references activity reflecting a pattern of abuse of the claims process but provides no specific evidence or explanation. 
My Concerns : Chases actions appear retaliatory, as the forced closures and transaction blocks began only after I reported their alleged misconduct. 
The bank has not provided any concrete evidence or due process to support its claims of abuse of the claims process. 
Blocking all XXXX transactions and then using this as a pretext to close my account is discriminatory and restricts my ability to use my credit card as intended. 
These actions have negatively impacted my credit, caused financial inconvenience, and denied me access to services without valid justification. 
Requested Resolution : I request that the CFPB investigate Chases practices regarding account closures and transaction restrictions, especially in cases where the customer has previously filed complaints against the bank.

I ask that Chase provide a detailed explanation and evidence for the account closures and transaction blocks. I request that my account be reinstated or that I be allowed
to open a new account without arbitrary restrictions or retaliation.

I seek assurance that Chase will not discriminate against me or other customers for filing complaints or using their accounts in a lawful manner.

Thank you for your attention to this matter. I am attaching all relevant documentation, including account statements, screenshots of declined transactions, and the closure notice, to support my complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
This was one of the letters I sent to them, this will explain the best As the homeowner, I was discharged from XXXX XXXX bankruptcy and subsequently approved for a loan modification to retain ownership of my home. Despite this approval, I never received the final paperwork or any path to move forward, despite multiple documented attempts to follow up.It is important to emphasize that while my bankruptcy discharge removed personal liability for the mortgage debt, it did not resolve the existing mortgage default. The approved loan modification represented a viable resolution to that default, and your organization 's failure to finalize it constitutes a significant procedural failure and denial of good faith loss mitigation.Furthermore, I was not notified of the upcoming foreclosure sale scheduled for XX/XX/year>. I only became aware due to unsolicited third-party calls. This lack of formal notice violates servicing standards under federal mortgage servicing rules and due process expectations. It also adds to the harm caused by the failure to act on a valid, approved modification.I have funds currently available that I have tried to submit for some time now. The very first correspondence I received was today from a representative on the phone that stated a modification was opened up today, which I did not begin so Im not sure who did. This conversation was on a recorded line.

I am preparing to escalate legally if no resolution is reached. I also reserve the right to seek relief in court for wrongful foreclosure based on : - Failure to complete the modification process despite approval- Failure to provide proper notice- Servicing misconduct and lack of communication- Induced reliance on a modification that was never honoredI am requesting an immediate hold on the foreclosure sale and a formal reinstatement of the previously approved loan modification.

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 2025-04-14 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Subject : FORMAL DISPUTE AND DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES PURSUANT TO FCRA 1681b AND 1681i To Whom It May Concern, This letter serves as a formal dispute of multiple unauthorized hard inquiries listed on my Experian credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, which prohibit the furnishing of a consumer credit report except under specific and lawful circumstances, such as with the consumers knowledge and permissible purpose. 
Upon recent review of my Experian credit report, I noticed a number of hard inquiries that I never authorized, nor did I apply for credit, loans, or any services that would warrant these inquiries. Please see the list below : ________________________________________ FRUADULANT ACCOUNTS AND Unauthorized Hard Inquiries on Record with Experian!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Subject : FORMAL DISPUTE AND DEMAND FOR REMOVAL OF UNAUTHORIZED HARD INQUIRIES PURSUANT TO FCRA 1681b AND 1681i To Whom It May Concern, This letter serves as a formal dispute of multiple unauthorized hard inquiries listed on my Experian credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b and 1681i, which prohibit the furnishing of a consumer credit report except under specific and lawful circumstances, such as with the consumers knowledge and permissible purpose. 
Upon recent review of my Experian credit report, I noticed a number of hard inquiries that I never authorized, nor did I apply for credit, loans, or any services that would warrant these inquiries. Please see the list below : ________________________________________ FRUADULANT ACCOUNTS AND Unauthorized Hard Inquiries on Record with Experian!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC
State: WI

Complaint narrative:
Have to keep disputing my credit report to get the balance updated. The loan documents say they report to the credit agencies. They did report the initial loan, but then when I call to ask why I keep having to dispute to get an update I am being told they report the initial loan and will not report again until it is paid in full. Nothing in the loan documents I signed state that.

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 2025-04-14 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: NY

Complaint narrative:
Review my copy of my credit report, and noticed there was some i XXXX accounts on my report. Please remove these accounts from my report because they are hurting my credit and my ability to obtain credit thank you

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 2025-04-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: U.S. BANCORP
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the charge-off and collection account listed on my credit report under the account number for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. According to the information available to me, this account is being incorrectly reported, and I have grounds to dispute it based on violations of the Fair Credit Reporting Act ( FCRA ).

15 USC 1681 ( e ) ( B ) : Under this section of the FCRA, I am entitled to accurate information. The report in question contains inaccuracies that do not reflect my true credit history. I have attached documentation to support my claim. Furthermore, according to FCRA 1681i ( 5 ) ( A ), relevant agencies must investigate any items that are disputed within a reasonable time frame. I am requesting that your agency promptly initiate an investigation into this matter and verify the validity of the reported information. Please provide me with written confirmation of your investigation results and the actions taken.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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