vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX  account was permanently suspended after some of my transaction activity was flagged internally as I was told on XX/XX/year>. XXXX  has not provided any specific details about which transaction triggered this action or whether the review was handled automatically or by a human compliance agent. 

Given the notice, Im unable to provide further details as to what specific transaction activity led to suspension.

I believe my account activity has not violated any of XXXX  Terms & Conditions and was done in error because their appears to be a discrepancy or misunderstanding in XXXX review process that led to my account being categorized as a policy violation, see it to account activity have been personal transfers between friends and family not for business, commercial activity, or the sale of goods or services. 

I have communicated multiple times with the assigned Account Specialist, but they have stated that the decision is final without providing any meaningful explanation to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TN

Complaint narrative:
Case Report Number ( If Applicable ) : XXXX I am filing a complaint regarding PNC Banks denial of my fraud claim for {$2000.00} in unauthorized ATM withdrawals. These withdrawals occurred within hours of PNC issuing me a replacement debit card at their branch. 

Timeline & Facts : On XX/XX/year>, PNC issued me a replacement debit card at the XXXX XXXX branch. 
Within 12 hours, unauthorized ATM withdrawals began at XXXX XXXX XXXX, including late-night transactions. 
XXXX withdrawals totaling {$2000.00} occurred across XXXX linked accounts. 
I immediately reported the fraud and filed a police report. 

Despite the clear fraud indicators new card issuance, rapid unauthorized activity, same ATM location, and nighttime withdrawals PNC denied my claim.

Regulation E Violations : PNC refused to review ATM surveillance footage.

PNC provided no evidence supporting its denial.

PNC did not demonstrate a reasonable investigation as required under Regulation E. 

PNC sent only a form denial letter stating no error occurred, without explanation or documentation of their review. I requested details and was told they do not check ATM camera footage, even though it is directly relevant.

I reported the fraud immediately, which limits my liability to {$50.00} under Regulation E. PNC is holding me liable for the full {$2000.00} without proper justification.

Requested Resolution : I am requesting the CFPB require PNC Bank to : Reopen this claim Conduct a proper Regulation E investigation including ATM footage review Provide evidence supporting any future determination Reimburse the {$2000.00} stolen from my accounts I have attached my police report and PNCs denial letter. Thank you for your assistance -- Case Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I have been the victim of a sophisticated phishing scam via email, which resulted in the theft of all my personal information. The individuals involved have gone as far as forging my signature to open accounts and initiate inquiries that I never authorized. Consequently, multiple accounts have been fraudulently opened under my name without my knowledge or consent. the accounts are : DEPT OF EDXXXX # XXXX XXXX, XXXX {$72.00} DEPT OF ED/XXXX # XXXX XXXX, XXXX {$390.00}

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 explanation
Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
Subject : Escalation of Inaccurate Credit Reporting Complaint Against XXXX XXXX XXXX Dear CFPB Investigator, I am formally escalating a complaint regarding XXXX XXXX XXXX  ongoing inaccurate reporting of my mortgage account ( # XXXX ) under the Fair Credit Reporting Act ( FCRA ) and Regulation X ( 12 C.F.R. 1024.35 ). Despite multiple written disputes, XXXX has failed to correct false information or conduct a reasonable investigation. 

Timeline of Events : XX/XX/XXXX : I submitted a written dispute to XXXX outlining that my mortgage account was being inaccurately reported as XXXX through Bankruptcy XXXX XXXX. I included supporting documentation showing that I reaffirmed the loan and have made continuous, timely payments. 
XX/XX/XXXX : XXXX responded, acknowledging that the account was marked as XXXX through Bankruptcy XXXX XXXX. They claimed the property was surrendered, even though I remain in possession of and continue to pay the loan. 
XX/XX/XXXX : I disputed the accuracy of their reporting and requested that they provide documentation of the XXXX debt and evidence that it the property was surrendered. They are re-aging the account based on the bankruptcy discharge date of XX/XX/XXXX. This is incorrect because the XXXX was XX/XX/XXXX. 
XX/XX/XXXX : XXXX issued another response stating that the bankruptcy notation remains for historical reference and that payment data is suppressed. They refused to correct the tradeline or provide documentation proving that the account was XXXX. 
XX/XX/XXXX Escrow Statement : XXXX own records show the account was open and current with no delinquencies, which contradicts their reporting to credit bureaus. 

Basis for CFPB Escalation : XXXX  actions violate the Fair Credit Reporting Act and Regulation X for the following reasons : XXXX. Continuing to report the account as XXXX through Bankruptcy when the debt was reaffirmed and remains active violates FCRA 623 ( a ) ( 1 ) ( A ).

2. Suppressing accurate payment history and reporting a false discharge status constitutes incomplete and misleading reporting under FCRA 623 ( a ) ( 2 ).

3. Failure to perform a reasonable investigation and provide supporting documentation violates 12 C.F.R. 1024.35 ( e ) ( 1 ).

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XXXX 2025, PayPal incorrectly classified my account as a business account, even though I only use it for personal and family transfers. I contacted PayPal and spoke with an agent who confirmed this was an error. The agent reclassified my account back to a personal account and assured me that this change would stop the system from withholding my money. I was told my funds would be released within three days.

Despite this, PayPal continues to withhold my personal funds every time a family member sends me money. None of the transactions show as pending or on hold in my Activity section, and they are not for goods or services. These are strictly personal transfers. 
I have completed all identity verification steps, there are no disputes or chargebacks that I created, and PayPal has not provided any written reason or timeline for the continued holds. Each time XXXX contact customer service, I am told it will be fixed, but the issue remains unresolved. 
In addition, I previously reported that I suspected my account had been compromised because of charges and purchases I did not authorize and that none of my family members made. I informed PayPal of this, and they told me they would look into it, but I never received a response or follow-up. After that, I started receiving emails showing unauthorized charges sent to my linked email. 
For about XXXX month and a few weeks, I was unable to log in to my PayPal account. I tried multiple times, but access was denied. I eventually regained access through a device I had previously used a pop-up message said the device was recognized. When I got back into my account, I could see all the unauthorized charges. 
I contacted PayPal again through chat, explained the situation in full, and was told to ignore the emails and simply change my password. No one addressed the fact that I had been locked out of my account or that my account appeared to be compromised. 
I believe PayPal has failed to properly investigate or resolve the security and account access issues, and they are continuing to withhold my personal funds without reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

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

Company 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 2025-11-03 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Amerihome bought my mortgage from XXXX. I never recieved a letter from them regarding my new account. When I call, an automated message says that I would've recieved an email on XX/XX/year>, but I have no emails from them. I receive their marketing emails but never got that XXXX. Amerihome had my mortgage, sold it to XXXX, then XXXX sold it back to them months later. XXXX cancelled my recurring billing, so there's no automatic way to continue making new payments after the sale. 

I can not log into Amerihome online because I do not have a new loan number. 

I've called XXXX numbers and none of them allow me to talk to someone. 

- Their main number listed at their top of their site ( XXXX ) leads to a XXXX mortgage representatives for some reason, and after speaking with XXXX people no one was able to help me. 

- Their technical support number ( XXXX ) is AI, and doesn't allow you to address the issue, it sends you to the New Servicer Number.

- The New Servicer number ( XXXX ) says they can not take my call because of high call volume and that I should've received an email. It also says that the recurring payments from XXXX will transfer over if they've been set up, but again, XXXX cancelled my recurring payments. 

Given that there's buying and selling between these XXXX companies back and forth, and no customer service to resolve the issue, I believe the XXXX are possibly working together to get people to default on their loans- I just want to pay my mortgage but no one is available to help me set this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> I attempted to purchase a flight from XXXX XXXX for my wife and I for a total of {$1400.00}. Upon trying to complete the purchase their website froze and then crashed. I never received any confirmation or ticket information and so I purchased a ticket from another airline as we were stuck at the airport. Later as we were getting on our new flight I checked my credit card app and saw that I was charged for the tickets despite not receiving them. I disputed the charge as the goods were not delivered to me. 

Since then, I have attempted to resolve this dispute both with my bank ( Citi ) as well as XXXX XXXX. My bank was told that the ticket is non-refundable, which I understand. However, I never actually received the ticket and therefore should be eligible for a refund. My bank states that there is nothing more that they can do despite over XXXX calls and atttempts to email with their investigators. XXXX XXXX has given me conflicting information stating at XXXX point that there was a charge back and a refund was issued, but then later stating that only taxes and fees were refunded ( {$30.00} ). 

It has now been over 4 months with me making consistent attempts to resolve this issue. Again, I never received any ticket information or purchase confirmation as the booking website froze and crashed. I do not have any confirmation documents to share and have now been accruing interest on this charge while my " investigation is ongoing ''. I have filed a complaint with XXXX XXXX regarding this issue as well and am unsure of what to do next as I do not feel I should pay for goods/services not received. 

I have attached the response that XXXX XXXX sent to my bank as well as the receipt that they sent to me when I requested 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 explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
I am writing to file a dispute with the credit reporting agencies regarding the following accounts that I believe have been inaccurately reported on my credit report. I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any of the information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Starting in XXXX I had a medical issue that caused me to fall behind on bills. I have been open and honest and answered every call from Bridgecrest to explain the situation to them. 

Multiple times Bridgecrest has violated Reg F of the Fair Debt Collection Practices Act by calling and speaking about a debt more than once in a XXXX day window. 

During this time I've had an agent threaten adverse credit reporting, tell me they have their own rules and regulations to follow that allow them to call multiple times regardless of contact without a promise to pay and been yelled at and harassed. When I've stated I've felt harassed due to the language and threats being used I was told " we are not threatening you, we are just telling you what's going to happen ''. 

That is not how you treat a consumer. 

XX/XX/XXXX, XXXX and XXXX Bridgecrest called and either hung up or took more than XXXX seconds to respond which leads me to believe they're using a dialer system to call my mobile device. 

XX/XX/XXXX and XXXX we spoke. The call on the XXXX was a violation of XXXX XXXX and the Fair Debt Collection Practices Act as it was just XXXX days after we had spoken about the debt and an arrangement. 

XX/XX/XXXX was a call about payment for XXXX. Advised of medical situation and financial situation. Rep threatened negative credit reporting, promise of additional fees and kept requesting bank information for promise to pay. Told rep that his language and tone felt like threats and harassment. Rep back peddled but stood firm on credit reporting. This is a violation of the Fair Debt Collection Practices Act. 

Payment for XXXX processed XX/XX/XXXX. 

XX/XX/XXXX was a call about payment for XXXX. Was frustrated but reminded rep of call from XXXX and promise to pay before next payment was due. 

XX/XX/XXXX was a call regarding a " missed promise to pay ''. Advised rep that I didn't set XXXX up for XX/XX/XXXX and that I didn't want that missed promise to negatively hurt my account. Rep advised that it wouldn't but she would escalate my concern and get me a call back on Monday around XXXX est. 

XX/XX/XXXX, rep calls to collect debt. Requested banking information. Advised that this was not the call I consented to receive and it is a violation of the Fair Debt Collection Practices Act and I would like to speak to a supervisor. I was transferred to someone who yelled at and berated me. Stated she did not want to discuss the violations of my consumer rights. She stated she could call me XXXX times a day if she liked and continued to raise her voice with me. 

Asked for her supervisor. Was transferred to someone who explained Bridgecrest rules and regulations and failed to understand that the FDCPA supersedes Bridgecrest rules and regulations. Supervisor added caller restrictions to after XXXX to my account but otherwise ignored my other concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
I am writing to file a dispute regarding the following items on my credit report that I believe are inaccurate or incomplete. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts : 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 2025-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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