vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The company failed to reply within 30 days of the letter I sent XX/XX/year> and the have not provided me any of the validation information I requested such as my wet ink signature on a contract, proof of alleged debt purchase and amount, all payment history, proof to collect alleged debt in my state, proof that I was notified of this fraudulent collection that was placed on my consumer report without notice or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have a home equity loan with Navy Federal Credit Union. Have had the loan since XX/XX/XXXX. Always made payments on time using a transfer from primary checking account at XXXXXXXX XXXX Until XX/XX/XXXX, there has been no problem transferring the payment. In XXXX, the payment was reversed for misapplication error and I was charged {$29.00} for a returned check fee. When I received the email alerting me, I resubmitted the payment using the same method and it cleared. In XXXX, I again submitted the payment using the transfer from XXXX and the payment cleared with no problem. XX/XX/XXXX, I again submitted via transfer and received another misapplication error and reversal with yet another {$29.00} fee. At this point I called NFCU and spoke to customer service who informed me the problem was on XXXX end. I called XXXX and their customer service indicated there was no issue on their end as there were funds available to be transferred, so it was not returned NSF by XXXX. I then attempted another transfer on XX/XX/XXXX and on XX/XX/XXXX, it was again reversed as misapplication error, with another {$29.00} fee. We are now up to {$89.00} in fees and are late on the payment. Today, on XX/XX/XXXX, my wife used her XXXX checking account to make the payment. Since it is a Saturday, we are unable to contact them. Again, until XXXX of XXXX, we have had no problem making the payments via transfer from XXXX. It should be noted that the banking information fields on the payment submission form are auto populated and I have not changed any information since the inception of the loan. These errors are on the part of NFCU, not XXXX nor myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name XXXX XXXX XXXX XXXX Amount charged : {$1200.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate 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 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There is no original contract with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XX/XX/2025 total wireless double charged my account for {$25.00} twice Sofi Bank refuses to help me get my money back I've also contacted total wireless about this issue they weren't no help at all both companies are a fraud both companies kept hanging up on me when I called

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 non-monetary relief
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 2025-05-10 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: PA

Complaint narrative:
On XX/XX/year>, a hard inquiry from XXXX XXXX appeared on my credit report. I did not apply for credit, authorize this inquiry, or initiate any transaction with this company. Under the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries are only permissible with the consumers authorization or in connection with a credit transaction initiated by the consumer. Since I did neither, this inquiry is unauthorized and appears to violate the FCRA. I am requesting that the inquiry be investigated and removed. I am also requesting documentation proving that I provided authorization for this inquiry, as required by 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 explanation
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and that my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts & addresses have been opened in my name, and inaccurate information has been added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
- On XX/XX/XXXX XXXX was charged {$500.00} which had NEVER BEEN authorized- The dispute was MISCATEGORIZED as " Paid via other means '' - I provided Bills from my Insurance via ( 1 ) online banking, ( 2 ) fax, ( 3 ) US Mail, clearly showing the insurance PAID all charges IN FULL - BOA kept on closing the investigation stating I " failed to show I paid via other means '' - After 7 calls to BOA, EVERYONE I spoke with promised to rectify the situation and re-classify as UNAUTHORIZED charge, that had never happened. 
- The bank REFUSED to ask the merchant for a signed receipt after promising it would ask a number of times. 
- This is a DISGRACE, after beying a customer for well over two decades, the bank : 1. Made an error in classifying the dispute 2. Made XXXX  attempts to investigate it 3. Essentially STOLE {$500.00} by FAILING to represent me by even ATTEMPTING to request evidence of my having authorized the payment

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 2025-05-10 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXX I dont remember ever being late with a payment on this account. 

Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Method of Verification Account Number : XXXX Creditor : XXXX XXXX XXXX Dear Experian, This letter is a formal request made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), regarding the account listed above, which I disputed on [ Insert Date ].

You recently responded that the account was verified as accurate. I am now requesting that you provide the following : 1. The name, address, and contact information of the person, company, or entity that verified the account.

2. A complete description of the investigation procedure you used.

3. Copies of any documents or information you received from the furnisher to verify the accuracy of the account.

As required by the FCRA, please respond within 15 business days. If you can not provide the requested verification details, this account should be removed from my credit report immediately. 

Please consider this request urgent and respond in writing to the address listed above. 

Sincerely, XXXX XXXX SSN : * -- XXXX XXXX : XX/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 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I had a XXXX XXXX credit card, I paid the balance in full in XX/XX/XXXX and requested for the account to be closed. I was then charged interest on a purchase that was paid off. Assuming the account was paid in full and closed. After many phone calls I went to a XXXX XXXX  location and was told there was a balance of {$340.00} for late fees, again for an account that was paid off. Reluctantly on XX/XX/XXXX I made the payment in full in the amount of {$340.00} and requested the account to be closed AGAIN. As of XX/XX/XXXX there in ANOTHER balance of {$170.00} in late fees for the account that was paid off two times prior and supposed to be closed. When speaking to Comenity bank, and explaining the situation they offered to close the account after paying the balance again. I requested to speak to a XXXX and was placed on hold, only to have the call disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America XXXX : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXXormal Request for IRS Form 1099-C and Cease & Desist Notification Account Numbers : XXXX ( Opened XX/XX/XXXX and XX/XX/XXXX ) To Whom It May Concern, I am writing in accordance with 26 U.S. Code 6050P, 15 U.S. Code 1681 ( FCRA ), and 15 U.S. Code 1692g ( FDCPA ) regarding the following charged-off auto loan accounts reported by your institution : Account # XXXX Opened XX/XX/XXXX Charged off with {$48000.00} written off Remaining balance reported : {$20000.00} ( as of XX/XX/XXXX ) Account # XXXX Opened XX/XX/XXXX Charged off with {$22000.00} written off Remaining balance reported : {$10000.00} ( as of XX/XX/XXXX ) As these accounts involve significant charged-off balances, I am formally requesting a copy of any IRS Form 1099-C ( Cancellation of Debt ) that may have been issued in connection with the above accounts. Under 26 U.S.C. 6050P, a financial institution is required to file Form 1099-C and provide a copy to the debtor when {$600.00} or more of debt is canceled or written off. 



If these forms have not been issued, I request a written explanation detailing the status of each account, including whether the remaining balances are still legally collectible or have been forgiven or transferred. 



Furthermore, I am issuing a formal cease and desist pursuant to 15 U.S.C. 1692c ( c ). If either of these accounts has been canceled, charged off, or transferred, you are hereby directed to cease any further collection activity and to refrain from furnishing inaccurate or misleading information to credit reporting agencies. Continued reporting or collection on canceled debt may violate both the FCRA and the FDCPA, for which legal action may be pursued. 



Please provide a written response to this request and send it to both : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX If you fail to respond within XXXX business days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 



Thank you for your prompt attention to this legal request. 



Sincerely, 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 2025-05-10 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:
To the Consumer Financial Protection Bureau, This is an escalated complaint against PNC Bank, following my previous submissions regarding their mishandling of my account and funds. 

PNC has now taken their abuse to a new level : After verifying my identity, clearing all issues, and granting me access to my funds, they suddenly and without warning revoked access mid-Saturday. The funds that were clearly shown as available have been pulled back, locked down, or rerouted without explanation. I was given no warning, no call, no email, no notice of any kind. 

When I attempt to contact PNC : No one will tell me why my funds were re-frozen. 

No one can tell me how to get my money out. 

I am stonewalled, transferred, and hung up on repeatedly. 


This is deceptive, manipulative behavior giving me access just long enough to create false relief, then yanking it away like some kind of sick control tactic. Its financial bait-and-switch. Its psychological manipulation. Its fraudulent treatment of a legitimate customer. 
Let me be clear : I have done nothing wrong. I verified my ID in person. I verified the check. PNCs own representative admitted it was their mistake in failing to verify it sooner.

I demand that the CFPB : Investigate why funds were released and then suddenly frozen again.

Force PNC to provide a written explanation of the reversal.

Restore full access to my funds immediately.

Penalize PNC for these abusive, destabilizing practices.

This is not how a bank should operate in a free society. I am tired of being lied to, manipulated, and financially strangled by an institution thats clearly operating outside ethical or legal bounds. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation