vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
I filed a dispute with PNC Bank on XX/XX/year>, regarding an {$800.00} charge from XXXX XXXX. For over a month, I received no resolution. Despite multiple calls and emails, I was continually told to wait with no urgency, no follow-up, and no clear explanation of next steps. 

On XX/XX/year>, XXXX from XXXX XXXX contacted me and agreed to issue a full refund of {$800.00}, but asked that I confirm with my bank whether the dispute had been closed or accepted so she could release the funds. 

I contacted PNC repeatedly throughout the day spending over XXXX hours total requesting confirmation of the dispute status and asking if I could be issued a provisional credit. I initially spoke with a representative named XXXX XXXX, who said she would cancel the disputes and notify the merchant, and that she would call me back. She never followed up. 

Later that day, I called again, waited XXXX minutes on hold, and just as a supervisor was joining the call, it disconnected. When I called back and re-explained the situation to a new representative, I was told I dont care and was hung up on. 

By this point, XXXX at XXXX XXXX had disconnected after waiting on hold for an extended time. I called back once again to ask about a provisional credit and was told I would not receive any update until XX/XX/XXXX. 

I have since resolved the matter on my own, directly with the merchant. PNC failed to advocate for me, communicate clearly, or handle this dispute in a timely and professional manner. 

This delay is affecting my ability to pay rent by XX/XX/XXXX and purchase needed medication. XXXX now requesting a provisional credit due to PNCs lack of urgency, failure to follow up, and the unprofessional treatment I received from multiple representatives. 

I have also posted public reviews regarding this experience on XXXX, XXXX, and XXXX. The XXXX XXXX  contact who confirmed the refund is XXXX ( XXXX ) XXXX ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I have been attempting to access my LexisNexis consumer report per the Fair Credit Reporting Act for over XXXX  month now. LexisNexis sent a pin that did not work via mail dated for XX/XX/year>. I attempted to contact LexisNexis via phone and email and still haven't received my consumer report I am entitled to. LexisNexis either picks up the phone and hangs up or doesn't answer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TekCollect Inc.
State: SC

Complaint narrative:
I was advised by XXXX that if I paid the remaining balance a XXXX to Delete will be honored. I made the wire payment as promised on XXXX. I called XXXX on XXXX advised a letter would be sent within XXXX days confirming removed from credit. Due to not receiving the letter in XXXX business days. I called back XXXX advised by the agent that the original agent XXXX whom assisted me is escalating to his XXXX and it will be deleted from All credit bureaus. I never received a call back and the XXXX is still on my credit. 

This charge was from XXXX XXXX who when bankruptcy, and Ive been charged for something that didnt work, and never received my replacement from XXXX XXXX  due to the product not working. Please help me with getting this removed from my credit. If I was promised the removal it should be honored.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I am sending this complaint to request the removal of fraudulent accounts from my credit report that were opened without my permission. I request the Experian credit bureau to promptly remove all fraudulent accounts in accordance with the law. Please find listed below the fraudulent accounts that need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to investigate any information in the consumer 's file identified by the consumer as stemming from alleged identity theft. This investigation must be conducted within four business days of receiving the consumer 's notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-02 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Information under 15 U.S.C. 1681c-2 Dear [ XXXX ] XXXX I am writing to formally request the blocking of information from my credit file in accordance with 15 U.S.C. 1681c-2, which allows identity theft victims to have fraudulent information excluded from their consumer reports.

I have been a victim of identity theft, and as a result, inaccurate and unauthorized accounts and/or inquiries have appeared on my credit report. Below is a list of the disputed items that I am requesting be blocked XXXX XXXX  my report : * Creditor Name : XXXX Number : XXXX for Dispute : This account was opened/used fraudulently and without my knowledge or consent. 
I have enclosed the following supporting documentation, as required under 1681c-2 : 1. A copy of a valid identity theft report filed with [ Police Department/Federal Trade Commission/etc . ] 2. Proper identification, including a copy of my drivers license and a utility bill for address verification 3. A detailed statement describing the fraudulent activity and the resulting inaccuracie Please complete the investigation and block the disputed information from my credit file within the legally required time frame. Under the Fair Credit Reporting Act, you are required to act on this request within four business days of receipt of the necessary documentation. 
Please confirm in writing that the items have been blocked and will not be included in any future consumer reports. 
Thank you for your prompt attention to this matter. 

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 2025-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that XXXX XXXX, and XXXX  credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
BANK OF AMERICA XXXXXXXX Balance {$94.00}

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 2025-07-02 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: WA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance {$94.00}

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 2025-07-02 00:00:00
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My signature was forged to fulfill a transaction that I did not complete. When I notified Wells Fargo of the forgery they stated that they would open an investigation but have upheld the forgery for their own benefit and refuse to show me what the forgery looks like.

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 2025-07-02 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Filed By : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Complaint Against : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of Complaint : Unauthorized credit profiling, fraudulent data usage, false score reporting, and commercial trust exploitation without contract or disclosure.

Statement of Harm and Trust Breach : I, XXXX XXXX XXXX, living man and secured party of the trust/estate issued in my name, file this formal complaint for violation of my financial, contractual, and spiritual rights.

The named corporationsXXXX, Equifax, and XXXXare not government bureaus, but private data brokers falsely identifying themselves as credit bureaus. They have been : Accessing, scoring, and selling data tied to my SSN without consent Publishing false credit scores and incomplete reports Using secret algorithms to profile my financial worthiness Selling my estate data to third parties for profit without fiduciary duty I have never contracted with these agencies to securitize my identity, create tradeable reports, or interfere in my commercial freedom. Their actions violate :
15 U.S.C. 1681 ( Fair Credit Reporting Act ) 12 CFR 1022 ( Regulation V Consumer Reporting Standards ) 18 U.S.C. 1028 ( Fraudulent use of identifying information ) Equity trust law ( fiduciary breach and unjust enrichment ) Signed : XXXX : XXXX Executor and Beneficiary of the Estate By Special Appearance, sui juris All Rights Reserved UCC 1-308, without prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under XXXX XXXX XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has continued to double bill my account for all debit card transactions from XX/XX/year> to presents. I have brought this to multiple and Supervisors, and Managers attention to no avail. Instead, they act as if they dont understand what Im saying. They have failed to refund me my money or look into the matter. Im disputing all debit card transactions from XX/XX/year> to present as being double debited. I would make a purchase assuring all funds are in the account, and wake up with a negative balance the next morning with the exact transaction amounting being made to re deposit the same amount in my account. Thereby being double debited for all transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AR

Complaint narrative:
Started 2 years ago my social security check for XXXX never went to my account I called XXXXXXXX XXXX cash out couldn't get a hold of nobody next month it came 20 days late and put me behind on all my bills I went to XXXX XXXXXXXX came I think I close my account on XX/XX/XXXX I never got that check so there's three checks for {$1000.00} a piece I never received or I got them late overdraft fees people taking money out of my account there I never authorized that they wouldn't put back I lost everything on and somebody's going to pay I filed a class action lawsuit and they said they lost my paper cash app is nothing but a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 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: FL

Complaint narrative:
To whom it may concern, I kindly bring to your attention the violation of my consumer rights through the dissemination of inaccurate information. It is essential that those in control treat me fairly, and I request all available details regarding their failure to ensure accuracy and compliance.

I have a zero tolerance policy towards negative information, regardless of certification. The crucial factor for me is the veracity of the facts concerning your company and the data related to my credit profile. I am surprised by the inaccuracy of the credit report provided, as adherence to the FCRA and applicable Metro 2 data field formatting standards is expected.

Hence, I challenge you to prepare a verified, complete, and truthful document presenting evidence for each claim. Failure to follow these standards, as
highlighted in the 2020 CRRG, poses a significant threat to data integrity, which must be addressed promptly to safeguard your data 's integrity.

Company response to consumer: Closed with non-monetary relief