vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Subject : PNC Banks Failure to Pay Escrow Funds on Time Risk to Home Insurance Coverage Issue Summary : PNC Bank failed to send my escrow payment to my home insurance provider on time, forcing me to manually intervene and pay out-of-pocket to avoid losing coverage. This negligence created financial risk, as any damage to my home during the period before I paid would have left me without protection. 
Key Timeline Details : - XX/XX/year> XXXX Insurance sent renewal details to PNC Bank. 
- XX/XX/year> My new policy term officially began, but PNC had not sent payment, meaning my home was technically at risk. 
- XX/XX/year> Since PNC still had not paid, XXXX XXXX contacted me directly, warning that my policy was expired due to non-payment. I was forced to pay manually with my card to reinstate my coverage. 
- XX/XX/year> PNC finally sent the escrow payment, XXXX weeks late. 
- XX/XX/year> XXXX refunded my personal payment after receiving funds from PNC. 
Concerns About PNCs Mismanagement : - PNC failed to follow escrow payment timelines, despite receiving renewal information months in advance. 
- PNCs delay forced me to take personal action to pay for my policy, even though escrow funds should have covered it. 
- If I had not intervened and paid manually on XX/XX/XXXX, I would have been left unprotected if any damage occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-09 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: MA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I requested all the loan documents I had signed and a record of all the payments I have made. I have paid them so much more than I have ever borrowed. I went to a debt consolation company. They said they will not cooperate with them. This way I could pay every one back and Atlas will not do that. They call me at least 2 times a day. They have threaten to sue me and have text me a suit document. I am XXXX years old. They are causing undue stress to me. I have sent you papers of all the loans and of what I have paid. You never get out of it. They call you and always want you to renew and tell you they can save you your payment for that month. If you get behind, they just want you to renew. Never try to help you just catch up. They want to keep you in a bind. They act like predatory lenders.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am complaining to stop the raising of money for XXXX XXXX for calling XXXX XXXX XXXX XXXX XXXX XXXX  and wanting to move because she was scared. She has raised almost XXXX in the name of her XXXXXXXX XXXX  and those donating are making XXXX remarks publicly as well. XXXX ( address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NH XXXX XXXX XXXX refuses to do anything about it. Hopefully companies behind this like Square ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), Block ( XXXX XXXX, XXXX XXXX, XXXX, CA, XXXX ), and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California, XXXX ) will not do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-09 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX I transferred the payment of XXXX USD from my account in remitters bank XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX, XXXX ) to my own broker account in XXXX XXXX XXXX. 
XXXX XXXX code ( XXXX ) : XXXX. 

The purpose of those transaction was to credit money to my broker account in XXXX XXXX XXXX for further purchase of some stocks on the stock market. 
I am a remitter and as well I am the ultimate beneficiary of this transaction. 
The transfer was sent through intermediary bank JPMORGAN CHASE BANK N.A. ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX bank account in XXXX XXXXXXXX XXXX XXXX ( XXXX ) ( XXXX XXXX : XXXX, XXXX, XXXX ). 

My transfer has been blocked by the JPMORGAN CHASE BANK. 

On XX/XX/XXXX I requested from XXXX the License for unblocking of my transfer. 
On XX/XX/XXXX XXXX provided me with the License XXXX for unvblocking my transfer. 

I sent on XX/XX/XXXX to JPMORGAN CHASE BANK ( to email XXXX and to email XXXX ) the XXXX License XXXX and my actual bank account at an unblocked bank XXXX 
The documents was enclosed to those email. 

In those emails I asked the JPMORGAN CHASE BANK to return my money XXXX USD to my bank account at bank XXXX ( Intermediary Bank XXXX XXXX XXXX XXXX ; Bank name - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; Address - XXXX, XXXX, XXXX, XXXX XXXX. XXXX 'XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Bank name - XXXX ; Address - XXXX XXXX XXXX, XXXX. Beneficiary : Account number - XXXX ; Account name - XXXX XXXX XXXX ; Account address - XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 

Till nowdays the JPMORGAN CHASE BANK did not return my money XXXX USD to my bank account at bank XXXX. 

Attachments : XXXX - XXXX XXXX License No XXXX XXXX - XXXX Request to XXXX XXXX XXXX XXXX Details of my bank account at an unblocked bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email to JPMorgan Chase Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-09 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding my experience with XXXX XXXX. I am currently in the process of trying to qualify for a mortgage and was advised by " XXXX  XXXX XXXX '' to obtain a prepaid credit card from XXXX XXXX to boost my credit score. 

In XX/XX/year>, I opened the card and loaded {$200.00} onto the account. This is a prepaid card, they do not increase your limit over time. In XXXX, I made a payment through the XXXX XXXX portal and was asked to choose which account to withdraw from. I selected my savings account, but XXXX days later, the funds were withdrawn from my empty checking account, causing an overdraft and a {$30.00} fee. 

When I contacted XXXX XXXX to report the error and dispute the charge, I was met with dismissive customer service and no resolution. Despite making the payment EARLY and following instructions, I was charged excessive fees and now allegedly owe money on what should be a PREPAID credit card. I received no line of credit, yet this account is now negatively affecting my credit report. It did the exact opposite of what I needed it for. So I canceled. And now they've tacked on extra fee 's. How? It was my money to begin with. I just don't understand. 

Because of this, my credit score has dropped from approximately XXXX to XXXX, and I no longer qualify for a home loan. I am currently XXXX  and trying to improve my financial situation. This practice feels deceptive and exploitative, especially given that others have reported similar experiences with this company. 

I respectfully request the following : Removal of any negative credit reporting related to this account Reversal of any unfair fees charged A formal investigation into XXXX XXXX billing practices Assistance from your office in holding this company accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-09 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief