vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION

Complaint narrative:
Company : M & T Bank Amount : {$180000.00} Complaint Details What Happened On approximately XX/XX/year>2025, M & T Bank notified me that they were closing my account and no longer wished to conduct business with me. The bank requested that I provide wiring coordinates to facilitate the disbursement of my account funds. 

After I complied with their request and provided the wiring coordinates, M & T Bank immediately froze and suspended my account. Bank representatives informed me they were conducting a review due to recent checks deposited to my account that had not cleared. 

During this process, I was contacted by XXXX XXXX, identified as a Fraud Field Investigator from M & T Bank, who conducted an extensive questioning session. I cooperated fully and provided answers to all questions asked.

Following the investigation, M & T Bank confirmed they would proceed with closing my account and stated that my funds would be disbursed via check within 30 days.

The Problem It has now been well over 30 days since M & T Bank 's commitment to disburse my funds. When I followed up with the bank last week, I was told they were " still working on the issue and investigation '' with no clear timeline for resolution.

What I'm Seeking 1. Immediate release of my funds- The bank has held my money beyond their stated 30-day timeline without justification 2. Clarification on the status of the investigation and account closure process Impact on Me The prolonged withholding of my funds has caused : - Financial hardship due to inability to access my own money - Uncertainty about when or if I will receive my funds- Potential damage to my financial standing due to inability to meet obligations - XXXX  and inconvenience from the extended, unclear process Supporting Information - Account was in good standing prior to closure notice - I have complied with all bank requests throughout this process - Bank 's own 30-day timeline has been exceeded without explanation - No clear communication about resolution timeline

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I deposited a XXXXXXXX XXXX XXXX into my new checking account on XX/XX/year>. It is now XX/XX/year>, and the funds are still being held, well beyond the 9-business-day maximum hold allowed under Regulation CC ( 12 CFR 229.13 ( b ) ) for new accounts. 

The check was legitimate and issued by the XXXXXXXX XXXX XXXX XXXX XXXX. I have not received any written notice of the extended hold, as required by 12 CFR 229.13 ( g ) and 229.16 ( c ). I was informed by my local branch manager, XXXX XXXX, that the holding/fraud department submitted an inquiry to the IRS, but this action does not meet the regulatory standard for extending a hold, nor has any specific written reason or timeline been communicated to me other than they are waiting for IRS to respond. I provided my Transcript relating to the Treasury check as it gave a detailed accounting but has seemed to be dismissed. 

To be clear, the branch manager XXXX XXXX has been helpful, professional, and communicative. My concern is with the holding/fraud departments failure to comply with federal law regarding funds availability and notification requirements. 

This ongoing delay is causing financial hardship and violates the Expedited Funds Availability Act. I am requesting now : Immediate release of funds Consideration and compensation for each day the bank has failed to comply Statutory damages under 12 U.S.C. 4010 for each day of violation This complaint is not personal toward branch staff but is a necessary action to remedy ongoing noncompliance by the banks internal departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I have been dealing with this consumer adj company whom took over the debt from XXXX XXXX XXXX. I paid the {$170.00} debt in full va debit card in XXXX XXXX said it was not paid/reported but when i call the collections they confirm every single time that they received it and that it is XXXX that has not paid. But then i just received a letter in the mail saying i never paid it. This is my 2nd attempt at filing a complaint after calling XXXX  mltiple times to get this corrected. I disputed on XXXX XXXX and it came back approved in my favor and was told i had to do it on XXXX. So i did, and it came back in favor of the creditor. 


This was for a XXXX pass in 2019 which i was not able to use because their park was closed due to XXXX and they still charged everyone full price

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
b'Dear Sir or Madam:\nThe information listed below, which appears on my credit report, does not relate to any\ntransaction(s) that I have made. I have no knowledge of these accounts and inquiries. I\nnever authorized these accounts or inquiries. Please block and remove this information\nfrom my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send\nthe required notifications to all furnishers of this information.\nXXXX XXXX XXXX XXXX XXXX                 \nXXXX XXXX XXXXXXXX                  \nXXXX XXXX XXXX XXXX                \nXXXX XXXX XXXX XXXXXXXX\nXXXX XXXX XXXX / XXXX XXXX XXXX     \nINQUIRIES \nXXXX XXXX XXXX XXXX, XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXXXXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX 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 2025-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
b'Dear Sir or Madam:\nThe information listed below, which appears on my credit report, does not relate to any\ntransaction(s) that I have made. I have no knowledge of these accounts and inquiries. I\nnever authorized these accounts or inquiries. Please block and remove this information\nfrom my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send\nthe required notifications to all furnishers of this information.\nXXXX XXXX XXXX XXXX XXXX                 \nXXXX XXXX XXXXXXXX                  \nXXXX XXXX XXXX XXXX                \nXXXX XXXX XXXX XXXXXXXX\nXXXX XXXX XXXX / XXXX XXXX XXXX     \nINQUIRIES \nXXXX XXXX XXXX XXXX, XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX/XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXXXXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXXXXXXXXXXnXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'Dear Sir or Madam:\nThe information listed below, which appears on my credit report, does not relate to any\ntransaction(s) that I have made. I have no knowledge of these accounts and inquiries. I\nnever authorized these accounts or inquiries. Please block and remove this information\nfrom my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send\nthe required notifications to all furnishers of this information.\nXXXX XXXX XXXX XXXX XXXX                 \nXXXX XXXX XXXXXXXX                  \nXXXX XXXX XXXX XXXX                \nXXXX XXXX XXXX XXXXXXXX\nXXXX XXXX XXXX  / XXXX XXXX XXXX     \nINQUIRIES \nXXXX XXXX XXXX XXXX, XXXX\nXXXX XXXX XXXX, XXXX\XXXX  XXXX XXXX/XXXXXXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXXXXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX 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 non-monetary relief
Consumer complaint received 2025-06-18 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: IL

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2024, Balance : {$590.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/scrub>/2024, Balance : {$480.00}

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 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX  XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I kindly ask that you update my personal information without delay. It is important that my records reflect accurate details, and I have provided the necessary documents for verification. Please make these corrections as soon as possible. I am having problems getting my Experian score due to incorrect information being reported on my file. Please have these corrected as soon as possible so I can have the updated scores and personal information.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX RE : Cease and Desist Collection Activity Account # XXXX To Whom It May Concern : I am writing this letter in response to your attempts to collect a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease and desist all communication with me regarding the above-referenced account.

Please consider this formal notice that I do not wish to be contacted by phone, mail, email, or any other form of communication regarding this debt. Be advised that continued contact or any attempt to collect this alleged debt after receipt of this letter will be considered a violation of the FDCPA and will be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, if this account has been erroneously reported to any credit reporting agency, I request that it be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) if you are unable to provide full and accurate validation of the debt.

You are also hereby notified that if you intend to take legal action against me, you must inform me of that intent in writing, as required by law.

Thank you for your cooperation. I expect your acknowledgment of this letter and your compliance with my request. 
Sincerely, 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 2025-06-18 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:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction. and I am a victim of equifax data breach.

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 2025-06-18 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: FL

Complaint narrative:
Under FCRA 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation upon notice of a dispute. The information they have furnished is inaccurate and unverifiable, yet they have continued to report it without correction. and I am a victim of equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as US XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as US XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief