vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed and several inaccuracies on my account. this account is hurting my ability to obtain credit.it is my understanding that you will investigate these item for me to ensure accuracy.here is the iteam asking you to verify as accurate : account name XXXX XXXXXXXX { account number { XXXX } high XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I logged into my online app, and saw that my available balance was XXXX, on all of my accounts. I called PNC bank, and they gave me the number to XXXX XXXX. I called XXXX XXXX, and was immediately given the run around, for almost an hour. I then drove to the nearest branch to get answers. The XXXX XXXX XXXX XXXX, assisted me. She called the Supervisor XXXX XXXX, who accused me of a federal crime, called XXXX. She instructed the Branch manager to be extremely invasive by checking my other personal accounts at another financial institution. I became extremely uncomfortable with the accusations, and the invasive acts into my privacy. Also, because accused of a crime, was stressful and embarrassing. XXXX told XXXX, it had to be done, in order to retain the relationship with PNC Bank. 3 hours went by, and XXXX still did not have any answers from XXXX, who has been unethical the entire time. I am seeking legal advice for this situation, because XXXX XXXX 's action were unethical, invasive, and caused me extreme stress to the point of tears and XXXX attacks. XXXX was contacted by phone, and gave new information that the reason why my accounts were frozen, was because my business name was not on my account. I had another XXXX attack, because why are we just now hearing about this? I told her that when I deposited the check weeks ago, there was a hold placed on it, so why didn't PNC bank do their due diligence, she chose to lie again. I explained to her, that I had no funds, I have XXXX children, and this is a holiday weekend, but she did not care, she continued to lie and became aggressive by refusing to give me her last name, as we all email address. After being accused of a crime, my money stolen by the financial institution, and lied too by XXXX XXXX which cause stress, duress, and XXXX, I want something done about this ASAP. Her unethical actions cause stress upon myself and my children. It is Thursday, and the banks closed tomorrow and all weekend, and I have no funds to take care of my children as a single mom. I cried in the parking lot for an hour, because on top of not having access to my money, PNC representative, XXXX XXXX was unprofessional, unethical, and performed malpractice acts while employed by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, someone made about {$1200.00} in unauthorized debit charges on my Bank of America account via XXXX. BOA flagged the fraud, froze my account, and refunded the money, but did not offer any added security or fraud prevention advice. 

Then on XX/XX/XXXX, I got a text alert ( appearing to be from BOA ) asking if I authorized a {$920.00} charge. I replied No, and shortly after, received a call from someone claiming to be from BOAs fraud department. They walked me through opening a new account and transferring {$4800.00} to reverse fraud. The money disappeared immediately. 

A police report has been filed ( Report # XXXX ), and BOA is investigating. I contacted BOA Corporate in XXXX, and the rep said they would escalate it as a hardship case to speed up the review. But the local branch had told me it would take 6090 days and offered little help. I was also told there was a slim chance I would recover my funds. 

This was a sophisticated impersonation scam that mimicked BOAs actual fraud process. BOA failed to properly protect my account after the May incident, and now I am facing serious loss after following what I believed were legitimate fraud procedures.

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 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
Prestige Financial vehicle was returned during Covid19 Pandemic and l don't own no {$15000.00} dollars. 

I am respectfully XXXX XXXX and XXXX. 
Plus vehicle purchase in XXXXXXXX XXXX has mechanical issues and Prestige has documents of Lifetime XXXX status. 

Prestige has Retaliated and Discriminated me because of my Lifetime XXXX and National Origin as a XXXX. 
Vehicle was returned with no damages and Prestige tow truck pickup vehicle at XXXX XXXX XXXX XXXXXXXX XXXX during Covid19 Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I have no knowledge of owning this debt to you, in fact i do not know how you can i owe someone i never done business with or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX Dear, I am writing to formally dispute inaccurate information on my credit report ( Report Date : XX/XX/XXXX ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and remove the incorrect late payment reporting. 

Specifically, the XXXX XXXX XXXX account ( Account Number ending in XXXX ) is inaccurately reported as XXXX  days late for XX/XX/XXXX. I have no record of being late on this account in that month. Please verify this information with the data furnisher and provide me with the results of your investigation. 

If the data can not be verified as accurate, please delete or correct the information as required by law and provide me with an updated copy of my credit report. 

Please confirm receipt of this dispute and let me know once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX Dear, I am writing to formally dispute inaccurate information on my credit report ( Report Date : XX/XX/XXXX ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and remove the incorrect late payment reporting. 

Specifically, the XXXX XXXX XXXX account ( Account Number ending in XXXX ) is inaccurately reported as XXXX  days late for XX/XX/XXXX. I have no record of being late on this account in that month. Please verify this information with the data furnisher and provide me with the results of your investigation. 

If the data can not be verified as accurate, please delete or correct the information as required by law and provide me with an updated copy of my credit report. 

Please confirm receipt of this dispute and let me know once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I use to live the Residence of XXXX XXXX XXXX on XXXX XXXX XXXX XXXX Texas XXXX. I was let out of my lease due to roach infestation after multiple attempts to contact the office and not getting things done. It is now 2 years later and they are trying to make me pay for the months I didnt live there after being told by the Assistant property manager XXXX that I would not have a balance the day that I turned in my keys. They are now trying to make me pay when they elders in the wrong and not keeping up in pest control that I paid for. After countless conversations I was able to be let out of my lease and now 2 years later they are trying to go back on our agreement. Nothing was giving to me to sign but I was reassured that it would be documented in the computer when I asked if I need to sign anything saying I will not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am formally disputing a collection account listed on my credit report due to its lack of complete and verifiable information. The account in question does not include sufficient identifying details such as the original creditor, accurate balance, or account history. This incomplete data makes it impossible for me to validate or understand the origin of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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: CA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I applied for a credit card at XXXX to finance a water heater. The card I was approved for was from XXXX, a 3rd party credit card company. 

I was given a Welcome email by XXXX  that stated I could make contactless payment through XXXX XXXX  by setting up the account in store. 

During the sign up process, I was unable to use the card as advertised, and after speaking with multiple agents from XXXX, they stated there was an error on their end and I could not use the card until it was shipped out 14 days later. 

This caused me emotional distress, as it was a maintenance emergency, and I received a notification from the credit bureau that this approval did a hard hit on my credit. 

After finding a solution for my maintenance emergency without the help from XXXX  and being unable to use the card. I requested from the company a removal of the hard hit on my credit as well as a closure of the account with the assurance that it would not impact my credit further. 

They stated that they are unable to predict if closing the account would impact my credit, after opening it. However, earlier in the day, when I was speaking with one of XXXX representatives, they stated that if the card is not used within 90 days, the account would close and have no impact on my credit. 

I no longer need nor want the card. 

And formally asked an agent from XXXX  to remove the hard hit on my credit. They stated they are unable to do so. Even though I was unable to use the card as advertised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-04 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates is a company i know nothing about. An account was accumulated in my name and i know nothing about. I was in n XXXX XXXX  and i see this account on my credit report. The amount is for XXXX. Started in XXXX. I was in XXXX XXXXXX/XX/XXXX and released on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau to report multiple fraudulent credit accounts that have appeared on my credit report as a result of identity theft, as documented in my FTC Identity Theft Report ( # XXXX ). 

The following unauthorized accounts were fraudulently opened in my 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 These accounts were discovered between XXXX and XXXX and have severely impacted my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested that the credit reporting agencies block and remove this fraudulent information. However, some of these accounts have been reinserted without the proper legal notice or identification of the furnisher, in direct violation of my rights. 



Applicable Legal Violations The following provisions of federal law have been violated : 1. FCRA 605B 15 U.S.C. 1681c-2 Requires credit reporting agencies to block identity theftrelated information within 4 business days upon receiving proper documentation.

Failure to do so constitutes noncompliance.

2. FCRA 611 ( a ) ( 5 ) ( B ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Requires that if any deleted item is reinserted : The consumer must receive written notice within 5 business days, and The CRA must provide the name, address, and phone number of the furnisher.

This was not done in my case, violating federal law.

3. FCRA 623 ( a ) 15 U.S.C. 1681s-2 ( a ) Prohibits furnishers from reporting inaccurate or false information.

4. FCRA 616617 15 U.S.C. 1681n1681o Credit bureaus and furnishers may be liable for willful or negligent noncompliance, including damages and legal costs.

Relief Requested I respectfully request the following resolution : 1. Immediate and permanent deletion of all fraudulent accounts from my credit reports.

2. Written confirmation from each CRA showing these deletions and that no reinsertion will occur without proper notice.

3. Disclosure of the furnishers names and contact information for any reinserted accounts.

4. Updated, accurate credit reports reflecting these corrections.

5. Optional : Placement of a fraud alert or security freeze for future protection.

Please investigate these FCRA violations and ensure my rights as a consumer are enforced. I have attached my FTC Identity Theft Report for reference. I am available to provide any further documentation or clarification as needed. 

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 non-monetary relief