vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This is a follow-up complaint referencing my original CFPB complaint ID : XXXX. 
On XX/XX/year>2025, I received a denial letter from PNC regarding a {$750.00} XXXX dispute. They claimed it was authorized, but provided XXXX documentation or proof to support that claim. 
This is part of an ongoing pattern of negligence and business disruption by PNC, including blocking legitimate business transactions ( like my XXXX XXXX XXXX ), freezing key payments, and failing to maintain communication protocol. 
I am now requesting : A full review of PNCs documentation used to deny the XXXX dispute Accountability for their refusal to process time-sensitive payments Immediate review of this pattern of inconsistent, obstructive banking behavior impacting small business operations Attached is the letter received from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a balanced of XXXX When I went into my account to XXXX XXXX XXXX I saw I had XXXX dollars on XX/XX/year>. So I reached out to the fraud department with usbank and they saw there was XXXX pending transaction from another country, they were able to stop the charge and credit back into my account but because I had to wait till I get a new card to access my funds. Then XXXX XXXX XXXX XXXXXX/XX/year> I went directly into a bank to withdraw my funds only to be told there is a hold on the account and I cant receive my money. They provided me a number to call, after XXXX days of holding and drop calls I was able to get a hold the department and was told they closed my account and they will sent my balance as a cashier check. Today I reached out to see when or how I can expedite this so I can pay rent only to be told they only send me a total of XXXX dollars. Completely lost for words, I called multiple department but nobody can tell me where the rest of my funds are.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal does not allow personal account users to reject or block " XXXX XXXX XXXX  '' transactions, for which non-refundable fees are charged to the recipient. Anyone with ( or guessing ) my email address can send me a " XXXX and XXXX '' payment, even if I do not sell any XXXX XXXX XXXX and Paypal deducts 2.99 %. So if someone sends me {$1000.00} unsolicited, I only receive {$970.00}. Even if I refund the {$970.00}, the sender can " dispute '' the charge ( for example, as " goods not received '' ), and Paypal will deduct the remaining {$30.00} portion of the original payment ( or the full {$1000.00} if I do not actively refund the sender ) from my account, AND charge an {$8.00} dispute fee. Thus I will have a - {$38.00} balance that they will deduct from my bank account EVEN THOUGH I DID NOTHING TO CAUSE THIS. And PayPal keeps the {$38.00}. THIS MUST NOT BE ALLOWED TO CONTINUE. Paypal must be compelled to allow recipients to either reject individual XXXX XXXX XXXX transactions, or block them altogether. 

My personal experience was similar but on a smaller scale. The transaction has not yet been disputed, and so right now only the sender is out the amount of the fee, but if they dispute it, then I will be penalized even more despite NOT WANTING TO ACCEPT XXXX XXXX XXXX PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX. 

Subject : Dispute of Inaccurate Information and Request for Documentation Dear ExperianXXXX, I am writing to formally dispute the accuracy of the information regarding my account with XXXX XXXX , as reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I have the right to request and obtain documentation related to this account. 

I believe that XXXX XXXX has made an unlawful repossession of my vehicle without providing any prior notice or documentation. I request that the following be provided : Account Name : XXXX XXXX ACCOUNT # XXXX XXXX. Proof of the repossession letter. 

2. Documentation showing the auction details when my vehicle was sold.

3. Any account information that supports the balance reported on my credit report.

4. Payment statement History 1. Documentation I open this account up with a driver license I also dispute the accuracy of the balance reported, as it does not reflect the correct amount owed. Under the FCRA, I am entitled to a thorough investigation of my dispute, and I would appreciate your cooperation in providing the requested documentation.

Please investigate this matter and provide me with the documentation requested within the 7-day period allowed by law. I look forward to your prompt response.

Thank you for your 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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have been sending money via XXXX  to a family member for several months. This is an automated transaction that takes place twice a month. For reasons that XXXX has chosen not to disclose. They made an arbitrary determination that we were exchanging goods and services, which is not the case And they assessed fees related to this transaction and took this amount out of the transaction. The payee was then short change the total amount to approximately {$35.00}. They are unresponsive and according to information online the payee will now have to go to her bank to correct the problem. 

Date of transaction XXXX XXXX XXXX, amount of transaction {$1000.00}. Money stolen by XXXX approximately {$35.00} in fees that were erroneously charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America for placing an excessive and unreasonable hold on cashiers checks I deposited from the sale of my previous home. These funds were intended to close on my new home on XX/XX/year>. 

Because of the banks hold, I had to delay the closing to XX/XX/XXXX. Now Bank of America has pushed the release date to XX/XX/XXXX, effectively causing the cancellation or further delay of my home closing. 

I am currently without housing, with my wife and XXXX children displaced. All of our belongings are on moving trucks, which we are paying for daily. We are incurring significant financial losses, and the emotional toll is severeespecially on my wife, who is experiencing extreme anxiety as a result. 

Despite repeated pleas and documentation, no one at Bank of America is willing to help or escalate the matter. The funds in question are from verified cashiers checks, which should not be subject to such extended holds under normal Regulation CC guidelines. 

We are in a housing emergency, and this delay is not only unreasonable but is causing material harm to my family. I am requesting immediate CFPB intervention to : Have Bank of America release the funds immediately, or Hold them accountable for unreasonable delays and hardship caused by their practices. 

This has put my family at risk, caused financial loss, and disrupted our home purchase through no fault of our own. 

Name XXXX XXXX & XXXX XXXX Phone number 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 2025-06-12 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 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: MI

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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed this account with XXXX on or before XXXX XXXX XXXX, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., another collector is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
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 explanation
Consumer complaint received 2025-06-12 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: DISCOVER BANK
State: CT

Complaint narrative:
Discover credit card advertise that there are no foreign transaction fees. 
But on the day of the transaction they show a pending charge of a lower amount and then process it to show a higher charge after a few days. 
They are masking the transaction fees by having a higher currency charges then other credit cards. 
I called Discover card and they said there is no bait and switch or currency manipulation. 
Talked to XXXX ( supervisor ) at Discover on XX/XX/year> at XXXX pm - Ticket # : XXXX opened by her to investigate if there is an issue. 
No one will call or inform anything about it, but if there is an issue they will correct the transactions. They said there is no manipulation. They give excuses like the vendor will be charging fees or something so it is more. Nothing is true. 

The XXXX charged at the vendor is EUR XXXX which shows pending charge of {$3.00} and then adjusted after processing to {$3.00} So, initial currency conversion rate is {$1.00} = XXXX and then after processing it is {$1.00} = XXXX The currency conversion on XXXX is XXXX {$1.00} = XXXX At the same time of discover card transaction, we have another card transaction with visa from Bank of XXXX XXXX 
They have a foreign transaction fee, but they do not manipulate conversion rate or show a different charge as pending and after processing. 

The charge of EUR XXXX is shown as {$3.00} ( which is a conversion rate of {$1.00} = XXXX After processing the charge is still {$3.00} and a transaction fee added ( which they advertise, so not an issue ). 

Discover card ( now part of XXXX XXXX XXXX ) does currency manipulation and mask transaction fees. 

The total charges for discover card were {$91.00} XXXX XXXX card charges were {$39.00} The amount is not the issue. But the mal practice, currency manipulation, and putting blame on vendor is the issue. 

Please look into this and get back to me. 
May be there is an unfair trade practice issue.

May be I could be compensated by government following up on this and uncovering much larger benefit that discover gains with all combined charges for all users and bigger transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 2025-06-12 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: GA

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 2025-06-12 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief