vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Complainant Information Name : XXXX XXXX Business : XXXX XXXX XXXX XXXX : PNC Bank , National Association Branch : XXXX XXXX XXXX, XXXX, OH Account Type : Business Checking Account Opened : XX/XX/year> Deposit Amount : {$60000.00} ( XXXX XXXX XXXX XXXX XXXX  XXXX Summary of Complaint PNC Bank has placed and maintained an unexplained fraud hold on my business funds for 15 days despite confirmation that the cashiers check was paid on XX/XX/year>XXXX and despite federal law requiring written notice of any hold. 

PNC has not complied with Regulation CC ( 12 CFR 229.13 and 229.16 ), which requires : Written notice of any hold, including the reason, delay length, and exact availability date. 

Next-business-day availability for cashiers checks unless an exception hold is applied in compliance with the regulation. 

Chronology of Events XX/XX/year> Opened business checking account; deposited {$60000.00} cashiers check from XXXX XXXX XXXX XXXX Branch Manager ( XXXX XXXX ) advised a 3-day hold. 

XX/XX/year> Attempted to send a wire from the account; informed there was a hold but no reason given. Multiple calls to Branch Manager went unanswered until XXXXXXXX XXXX  when she admitted no explanation was available. 

XX/XX/year> PNC phone representative stated : There was a fraud hold dated XX/XX/year>. 

PNC requested XXXX XXXX provide origin of funds documentation ; XXXX refused. 

Letter from fraud department stated the hold was for time to analyze the check to ensure payment. 

XX/XX/year> Emailed VP of Business Banking ( XXXX XXXX ) asking why I was being investigated. He denied knowledge of any investigation but said he would look into it. 

XX/XX/scrub> XXXX XXXX XXXX XXXX ) Called branch ; no updates. 

XX/XX/year> ( XXXX ) XXXX confirmed check was reconciled XX/XX/year>. Informed XXXX at PNC that PNC was violating policy and Regulation CC. 

XX/XX/year>XXXX XXXX XXXX  ) Sent formal email to PNC citing Regulation CC and demanding written explanation and release date by close of business. No response received. 

XX/XX/year>XXXX XXXX XXXX XXXX Called PNCs hold department ; informed no current branch-level hold existed, but XXXX XXXX XXXX XXXX XXXX ) had the funds on hold. Left voicemail with XXXX  ; no reply to date. 

Current Status As of XX/XX/year>, funds have been held for 15 days without : A legally compliant written notice stating the reason and release date ; or Any explanation for the second hold placed on XX/XX/year>. 

The funds are needed for a pending property purchase for my business. The delay is causing financial harm and jeopardizing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX, Missouri, XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Subject : URGENT CFPB COMPLAINT UNLAWFUL REPORTING OF STUDENT LOANS IN VIOLATION OF FCRA 1681i, 1681s-2, 1681c-2 Complainant : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX SUMMARY OF VIOLATION : I am demanding the immediate deletion of all student loan accounts reported by XXXX  on my credit reports with TransUnion, Equifax, and Experian. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), as outlined below : LEGAL VIOLATIONS : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information with diligence and accuracy.

Despite multiple disputes, these student loan accounts are still inaccurately reporting as open and current, even after being challenged and marked as resolved without proof of original contract. That is a willful noncompliance with statutory reinvestigation duties.

15 U.S.C. 1681s-2 ( b ) Furnishers have not provided documented validation ( including wet ink signatures ) to verify these debts. Merely reasserting unverifiable data constitutes a negligent and reckless violation.

15 U.S.C. 1681c-2 ( a ) These accounts are contested and disputed under identity theft/fraud conditions. Consumer alerts and fraud notices are currently active on my files, yet the accounts continue to be reported without proper suppression or reinvestigation under FCRA requirements.

15 U.S.C. 1681e ( b ) The student loan balances are being reported as accurate despite material factual inconsistencies, outdated account opening dates ( as early as XXXX ), and no legally binding contract presented. 

DEMAND FOR RELIEF : I am requesting the immediate and permanent deletion of ALL student loan accounts from XXXX on the basis that they are : Unverified and unverifiable Previously disputed and improperly reinserted Reported during ongoing fraud alerts Failing to comply with FCRA timelines and duties I am demanding a full investigation and final resolution within FOUR ( 4 ) BUSINESS DAYS, with documentation of all findings sent to me directly.

Failure to act will result in additional legal complaints to the FTC, Missouri Attorney General, and the Department of Education Inspector General, along with a civil lawsuit under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

ATTACHED EVIDENCE : 3-Bureau Credit Report ( XXXX, dated XX/XX/XXXX ) Fraud alerts filed with TransUnion, Experian, and Equifax List of all disputed XXXX  accounts Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX, Missouri, XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Subject : URGENT CFPB COMPLAINT UNLAWFUL REPORTING OF STUDENT LOANS IN VIOLATION OF FCRA 1681i, 1681s-2, 1681c-2 Complainant : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX SUMMARY OF VIOLATION : I am demanding the immediate deletion of all student loan accounts reported by XXXX  on my credit reports with TransUnion, Equifax, and Experian. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), as outlined below : LEGAL VIOLATIONS : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information with diligence and accuracy.

Despite multiple disputes, these student loan accounts are still inaccurately reporting as open and current, even after being challenged and marked as resolved without proof of original contract. That is a willful noncompliance with statutory reinvestigation duties.

15 U.S.C. 1681s-2 ( b ) Furnishers have not provided documented validation ( including wet ink signatures ) to verify these debts. Merely reasserting unverifiable data constitutes a negligent and reckless violation.

15 U.S.C. 1681c-2 ( a ) These accounts are contested and disputed under identity theft/fraud conditions. Consumer alerts and fraud notices are currently active on my files, yet the accounts continue to be reported without proper suppression or reinvestigation under FCRA requirements.

15 U.S.C. 1681e ( b ) The student loan balances are being reported as accurate despite material factual inconsistencies, outdated account opening dates ( as early as XXXX ), and no legally binding contract presented. 

DEMAND FOR RELIEF : I am requesting the immediate and permanent deletion of ALL student loan accounts from XXXX on the basis that they are : Unverified and unverifiable Previously disputed and improperly reinserted Reported during ongoing fraud alerts Failing to comply with FCRA timelines and duties I am demanding a full investigation and final resolution within FOUR ( 4 ) BUSINESS DAYS, with documentation of all findings sent to me directly.

Failure to act will result in additional legal complaints to the FTC, Missouri Attorney General, and the Department of Education Inspector General, along with a civil lawsuit under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

ATTACHED EVIDENCE : 3-Bureau Credit Report ( XXXX, dated XX/XX/XXXX ) Fraud alerts filed with TransUnion, Experian, and Equifax List of all disputed XXXX  accounts Respectfully, 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 2025-08-13 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 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: MI

Complaint narrative:
I am looking for a place for me and my children to stay after being homeless for 2 months. I applied for a new place and got denied. They sent me a letter stating I was denied for a couple things of my credit file. I wrote all 3 credit bureaus Wednesday XX/XX/XXXX to dispute these discrepancies off my credit file. I havent heard anything back from either of them yet & nothing had been disputed from my file. Theyre violating my consumer rights under the FCRA and letting anything on my credit file without doing in depth examinations and taking all the necessary steps to prove that theses findings are actually true, accurate, and are mine. Im planning to sue really soon.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I had my account closed by XXXX in which I created a Consumer Protection Report against XXXX, In which case a Member Advocate Specialist ( XXXX XXXX ) had reached out to me within the first 3 hours of the report being sent. On XX/XX/XXXX my account was reopened and within 2 hours closed again, Simply because I logged in thru XXXX rather than the mobile banking app. The bank has closed my account multiple, Times and has reopened it, this is now causing emotional distress towards me the customer and I will be filing for legal action, I have all screenshots of the account closure on XX/XX/XXXX, then the reopening on XX/XX/XXXX which case I was able to use my debit card for no more than 3 hours. Now my account has been restricted again and I am being threatened with permanent account closure. Please contact me for all screenshots and calls with the agents of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-08-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-13 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: OK

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-13 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MO

Complaint narrative:
Complaint Summary On XXXX XXXX XXXX, I contacted EdFinancial Services to request a forbearance on my Direct Parent PLUS loan. Repayment options were discussed, but the loan consolidation option was not, despite my repeated inquiries about lower payment options. Claiming this option was discussed on a prior phone call in a previous year, especially after federal changes to student loan policies, does not relieve EdFinancial of the duty to provide all available options during this specific call. During the call, consolidation was not offered as a repayment option, despite its availability and relevance to my financial situation. 

Additionally, EdFinancial Services disclosed and misused my personal email addresses in their CFPB response and changed my account email without my authorization. This effectively breached my account, removed my control over access, and created potential security risks. 

The servicers response claims all options were provided, but this is inaccurate and misleading. 

Key Issues Loan consolidation was not discussed, even though it could lower my payments. 

EdFinancial changed the email on my account from XXXX to XXXX without my authorization, removing my choice of which email controls the account. This exposes the account to potential unauthorized access. 

My two emails were publicly exposed in the CFPB response, doxing my personal contact information. 

Requested documentation, including a full transcript of the XXXX XXXX XXXX call, has not been provided. 

Legal & Regulatory Violations Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule, 16 C.F.R. Part 313 Unauthorized changes and disclosure of my email addresses constitute improper access and sharing of nonpublic personal information ( NPI ). 

FTC Act, 15 U.S.C. 45 Unfair or Deceptive Acts or Practices Changing my account information without consent is a potentially deceptive and unfair practice that exposes my account to risk. 

CFPB Enforcement Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. XXXX The servicers actions constitute abusive, unfair, and deceptive acts that interfere with my control over my account. 

Higher Education Act / Federal Student Loan Servicing Obligations, 20 U.S.C. 1087a et seq. 
Servicers must maintain accurate borrower records and protect personal information. Unauthorized changes and failure to provide all available repayment options violate federal obligations. 

Potential State Privacy Violations Unauthorized exposure and account changes may violate applicable state data privacy laws.

Company response to consumer: Closed with explanation