vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am filing this complaint regarding my inability to access my PNC Bank accounts and funds, which has persisted for over a week despite following all instructions provided by PNC customer service. 

I contacted PNC over a week ago after losing access to my mobile banking. I was told I would need to wait several days before trying again, which I did. After the waiting period, I am still unable to log in or access my accounts. I informed PNC that their suggested solutions did not work, yet no alternative or effective resolution has been provided. 

As a result, I currently can not access my own funds, transfer money between accounts, or use mobile banking to manage my finances. This situation has caused me significant inconvenience and concern. PNC has been unhelpful in providing meaningful solutions, and I feel I have exhausted all available support channels with no resolution. 

I am requesting that the CFPB assist in ensuring that PNC promptly restores my account access or provides an immediate method for me to securely withdraw my funds without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
This situation is regarding Skrill a XXXX digital wallet company. On XX/XX/year>XXXX  I deposited {$30.00} from my XXXX XXXX  XXXX checking account with my virtual debit card ending in XXXX. Upon doing this skrill locked my account and my money and claimed I need to prove who I am to get it back. Mind you I've had an account with skrill for years and they didn't ask questions before they took my money. The documents I sent them to verify my identity they rejected. The documents that they require I can't provide due to my card that I deposited with was a virtual card. I am who I say I am, the virtual card does belong to me and is linked directly to my checking account. And they are refusing to answer my support questions anymore. I can't reach anyone online or on the phone or email.. I want my $ back and I want to close my account with skrill they are criminals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account I never authorized or opened appears on my credit report. This false entry is negatively affecting my credit history and must be removed promptly.

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 2025-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of unauthorized or inaccurate credit inquiries from my credit report under 15 U.S.C. 1681 ( n ). Listed below are the unauthorized and inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have thoroughly reviewed my records and can confirm I did not authorize these inquiries. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate. Please remove these accounts immediately as it does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
Dear XXXX/OPPLoans, I am writing in regard to a collection account placed on my credit. I am for certain that I do not owe you any money. Therefore, I am requesting the following : -Provide the purchase agreement to show full ownership of such an account - Tell me what this money that you say I owe is for ; - Show me how you calculated what you say I owe ; -Copies of any papers that show I agreed to pay what you say I owe ; - Show me that you are licensed in my state, and give me your licensing number ; - Stop contacting me about this or any other matter you have, except to provide me with proof that I owe what you say I owe. 
I demand that you also send a copy of this dispute to the company that you say I owe money to so that do not report this on my credit report. 
I further demand that since you have reported me to a credit reporting company, you tell them that I do not agree with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Complaint Regarding Debt Ownership Confusion and Collection Practices Resurgent Capital Services and XXXX XXXX  To Whom It May Concern, I am filing a complaint regarding unclear and confusing debt ownership and collection communications related to my account number XXXX. 

I have been contacted by Resurgent Capital Services regarding this debt, but I understand that XXXX XXXX  is the owner of the account. This conflicting information has caused significant confusion and stress. 

Despite multiple communications, it is not clear who legally owns or is responsible for collecting this debt. I have requested debt validation from Resurgent Capital Services but have not yet received clear documentation proving their authorization to collect on behalf of XXXX XXXX. 

I believe these practices may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, ensure that proper debt validation is provided, and confirm the legal ownership and collection rights of this debt. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
To Whom It May Concern : I am formally disputing the accuracy and legality of the Exeter Finance LLC account currently appearing on my credit file. The account details from my report are as follows : Creditor : Exeter Finance LLC Date Opened : XX/XX/XXXXXXXX  Status : Unpaid balance reported as a loss by credit grantor / Repossessed Balance : {$0.00} Reported On : XX/XX/XXXXXXXX  ( XXXX  ) | XXXX ( XXXX  ) This account is being reported in a manner that violates provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( requirement to investigate disputed information ). 
The violations include, but are not limited to : Reporting a {$0.00} balance while still listing derogatory remarks in a way that is misleading and damaging to my credit profile. 
Continuing to report negative account information after the account has been closed and settled, which is inaccurate and incomplete. 
Failing to provide verifiable documentation that I have a legal obligation for the reported balance or that the reporting meets all federal and state credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-12 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: TN

Complaint narrative:
I recently obtained my credit report from Equifax and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the account XXXX XXXX XXXX and certain hard inquiries that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumers file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A fraudulent account appears on my credit file that I did not open or approve. This account is erroneous and damaging my financial reputation.

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 2025-08-12 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 explanation
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: MI

Complaint narrative:
My account with Upgrade ( through XXXX XXXX XXXX  ) was closed with a negative balance. Within a few days of closure, several disputes were resolved in my favor, bringing my balance to approximately {$700.00}. On XX/XX/year>, Upgrade promised to send me documents to sign so the funds could be released, but as of XX/XX/year>, I have not received the documents and have been given no update on when I will receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
On XX/XX/year>, I received an email from Aldous & Associates ( the debt collection law office handling the account ). That email included a link to my account with them, which showed my account as Closed and my balance as {$0.00}. At no point before this email did I receive by mail or by email any written notice stating the amount I supposedly owed, the name of the creditor, or my right to dispute the debt, as required by the FDCPA. 

On XX/XX/year>, I received a physical letter from Aldous & Associates claiming that I owed {$110.00}. This was the first time I received a mailed letter with a specific balance. 

The conflicting communications first showing my account as closed with {$0.00} balance, then a month later stating I owed money caused confusion and prevented me from exercising my right to dispute the debt within 30 days of the initial notice. The company has not provided proof that the XX/XX/XXXX letter they claim to have sent was ever mailed or delivered. 

I request that this collection be reviewed and that the company provide full validation of the debt in compliance with the FDCPA. I also request that all collection activity be stopped until proper validation is provided. I have copies of the emails and the mailed letter as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/year> a representative of Portfolio Recovery Associates contacted my mother-in-law, in an attempt to discuss and/or collect payment on this debt. She is not a co-signer, joint account holder, or otherwise legally responsible for this account. They tried to get her to pay off a debt that was purchased by them in the amount of {$860.00}. When my mother in law refused they asked her for my contact information so they could reach out to me. Which she also refused to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
eastern accounts sytems put a collection for XXXX on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation