vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: MA

Complaint narrative:
My name is XXXX XXXX. My PNC account ( ending in XXXX ) had a scheduled withdrawal to pay my rent on or about Friday, XX/XX/year>. There were sufficient funds in the account and I have overdraft protection. Despite this, PNCs system communicated to my landlords payment system that there were insufficient funds and my landlord informed me the bank requested the funds back. The exact rent amount was returned to my account the same amount owed for rent so it makes no sense that the payment was flagged for insufficient funds. 

I visited two PNC branches about this error. At the XXXX branch ( where I opened my account ) a representative reviewed the transaction but could not explain why it was returned. I then went to the XXXX XXXX branch in XXXX, MA and spoke with the branch manager, who confirmed he could see the mistake and explained that it appears to be caused by how PNCs system is set up for billing and processing transactions. Despite his explanation, I have not received a formal written explanation, correction, or notification I can provide to my landlord. 

Requested remedy : A written statement from PNC confirming this was an internal error and that PNC requested the funds back. 
A dated letter PNC will send to my landlord ( or provide to me ) stating the return was caused by the banks error so I will not be penalized. 
Correction of any records showing insufficient funds for this transaction. 
Reimbursement for any fees, late charges, or other damages I incur due to this error. 


Contact information : Phone : XXXX Email : XXXX ; XXXX Address : XXXX XXXX XXXX, XXXX mass XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 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: Opportunity Financial, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it.

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am an authorized user on a credit card that has been charged off. I need to have my name social security number and all information removed from this account. As only an authorized user I am not financially responsible for this charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunbit, Inc.
State: GA

Complaint narrative:
What they are reporting to my credit bureaus is inaccurate. My right under the FCRA 1681s-2 ( b ) are being violated & i put in a Request for Validation, Documentation, and Cease & Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: IL

Complaint narrative:
I received a letter dated XX/XX/year>, from Lloyd & McDaniel , PLC claiming I owe {$6100.00} for a XXXX  XXXX XXXX account. 
I requested full validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. 
The collector has not provided a signed contract, sworn affidavit, or proof of assignment. 
The only response received was an unsigned letter with limited account information. 
I am requesting the CFPB to investigate this collection activity and ensure Lloyd & McDaniel ceases contact and removes any reporting made without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending to follow up on my previous correspondence regarding several accounts that appear on my credit report and which I formally dispute. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act, and the Truth in Lending Act to ensure the accuracy and integrity of my credit profile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-10 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: GA

Complaint narrative:
I

am following up on my previous complaint regarding several credit inquiries on my credit report that I do not recognize or recall authorizing. These inquiries appear to have occurred within a short time frame and have negatively affected my credit score and personal reputation. The inquiries in question include, but may not be limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted several disputes regarding multiple accounts showing as " Late payments 30+ days '' and " Late payments 60+ days late ''. There are 9 accounts total showing this and all 9 of these accounts were included in a bankruptcy that was in XXXX of 2024. ALL of these alleged late payments are showing AFTER my bankruptcy was filed and discharged. This is INCORRECT and should be removed. The accounts even show the wording " included in bankruptcy XXXX XXXX/never late ''. How can I have late payments and all the accounts were discharged and show this wording?? Transunion has closed my disputes and have given not one single explanation as to why or how or even if they changed anything. I have uploaded copies of my current credit report from Transunion that shows not a single payment is late, yet on their reporting page, it shows several " late '' accounts that aren't even open and were included in Bankruptcy. Either they do not look at what data is given to them by creditors or consumers reporting errors, or they blatantly do nothing and report that nothing is wrong. Either way, it is NOT CORRECT!

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 2025-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX, I sold my home and discovered that a {$69000.00} lien labeled as a HUD Partial Claim had been added to my payoff total, reducing my net proceeds. This lien originated from a COVID forbearance agreement in late XXXX with Freedom Mortgage. I was never issued funds, nor was I ever made fully aware that this agreement would result in a recorded lien or silent second mortgage.

A notary arrived at my home with a large document package ( approx. 230+ pages ), provided no explanation, and asked me to sign. I signed under the impression that it was standard COVID forbearance paperwork to reinstate my mortgage and resume regular payments. There was no verbal or written disclosure that a lien would be recorded.

I resumed payments and sold my home two months later. At closing, Freedom Mortgage required a $ XXXX partial claim payoff. The XXXX IRS Form 1098 provided by Freedom lists this amount in a confusing way, with no deductible breakdown. I never received a payment, did not benefit from these funds, and am now unable to classify this correctly for tax purposes.

I believe this practice is misleading and possibly abusive. I have documentation showing I resumed payment in good faith and that the payoff amount was never properly disclosed or explained at the time of signing.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in these records are both unfair and unlawful.

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 2025-11-10 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: GA

Complaint narrative:
I am sending to follow up on my previous correspondence regarding several accounts that appear on my credit report and which I formally dispute. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act, and the Truth in Lending Act to ensure the accuracy and integrity of my credit profile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to follow up on my previous correspondence regarding several accounts that appear on my credit report and which I formally dispute. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act, and the Truth in Lending Act to ensure the accuracy and integrity of my credit profile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
Formal Demand for Deletion and Notice of Intent to Pursue Legal Action Failure to Conduct Reasonable Reinvestigation Under FCRA 611 and 623 I am writing to formally notify you that I have been disputing multiple inaccurate and unverifiable accounts appearing on my credit file for several months. Despite providing documented evidence, proof of payment, and applicable federal laws, your responses continue to state that the accounts have been verified and updated. This indicates a clear failure to conduct a proper and lawful reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2.

Specifically, the following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Georgia XXXX Account # XXXX Each of these accounts has been disputed with supporting evidence, including proof that the debts were either paid, settled, or otherwise inaccurate. Under FCRA 611 ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that this has not been done. Simply contacting the furnisher and accepting their response without validation is not a reasonable investigation as defined by federal law.

Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report these accounts after notice of dispute constitutes willful noncompliance and reckless disregard of my rights under federal law.

I hereby demand the immediate deletion of the accounts listed above from my credit report. Suppose these items are not permanently removed within 15 days of receipt of this notice. In that case, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue civil action against your agency for each willful violation, seeking damages under FCRA 616 and 617, including attorneys fees and punitive damages. 

This letter serves as your final notice before escalation. Please mail confirmation of deletion to the address above.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I misplaced money order # XXXX for {$500.00} found it called XXXX XXXX who said it would be worth 10 % less so I sent it along with a money order worth {$350.00} and a phone payment of {$50.00} on a monthly bill of {$760.00} from Capital One thinking that XXXX XXXX would subtract the 10 % and pay {$450.00} both checks arrived at Capital One on XX/XX/2025, the bill was due XXXX XXXX XXXX. I received a letter from Capital One dated XX/XX/2025 saying that the payment was returned and said refer to maker XXXX XXXX said the expired check was returned to Capital One who still had it called and sent a letter asking for check back so I would get my money back I got a letter saying they COULD NOT send the check back to me i asked why in a letter received no answer.i would like help getting the check back to submit it to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing this complaint because National Credit Systems is reporting an alleged {$10000.00} collection on both XXXX  and XXXX, and its actually showing up twice under the same account number. Thats duplicate reporting, which is completely inaccurate and misleading. 
It has now been well over 90 days, and I still have not received a single piece of written validation or documentation for this debt. Ive asked for everything the original lease agreement, itemized breakdown of charges, move-out statement, proof of ownership of the debt, and any documentation showing how this balance was even calculated. None of that has been sent. 
If this debt is supposed to be from an apartment complex, then I want to see the actual lease agreement with my signature, payment history, and final account statement. You cant just throw something on someones credit report with no evidence and expect it to stick. 
Both XXXX  and XXXX  have continued to report this despite multiple disputes, and both bureaus have ignored my requests for validation. Instead, I keep getting generic verified responses but no actual proof. Thats not verification. Thats negligence and a direct violation of my rights under federal law. 
This situation violates : FCRA 607 ( b ) duty to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) failure to conduct a reasonable reinvestigation and delete unverifiable information ; FCRA 623 ( a ) ( 1 ) ( A ) knowingly furnishing inaccurate information ; FCRA 623 ( a ) ( 3 ) failing to mark the account as disputed ; FDCPA 809 ( a ) failure to provide written debt validation within 5 days of initial contact ; XXXX XXXX XXXX, XXXX, and XXXX duplicate tradelines and lack of factual documentation. 
At this point, this isnt even about verification anymore its about accountability. Youve had more than 90 days to get me proof, and I still havent received anything. 
If this account isnt immediately removed, I will be pursuing legal action against National Credit Systems, XXXX, and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: UT

Complaint narrative:
COINBASE I had a debit card with them and it was being charged without my consent so I closed the debit card card now they seem to have just locked me out of my Coinbase account entirely asking me to scam a QR code to access my account but Im on my phone how am I supposed to scan the code with my phone if Im using the phone to log in it doesnt make any sense .. no one will talk to me because I cant log in., its been very frustrating. Im not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint as a consumer who has carefully reviewed my credit report and identified inaccurate and harmful reporting that is negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, I have the right to dispute any inaccurate information and to have disputed accounts investigated to ensure maximum possible accuracy. Despite this, several accounts reported by DPT EDXXXX continue to appear inaccurately on my credit file. The specific accounts in question are as follows : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$1400.00}, DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$3200.00}, and DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$3200.00}. These accounts contain incorrect reporting information that misrepresents my payment history and financial responsibility. The inaccuracies make it appear as though I have missed or defaulted on payments when, in reality, I have consistently managed my obligations responsibly and maintained a strong record of timely payments. These errors have caused significant harm to my credit profile and overall financial standing by lowering my credit score and creating a false representation of my credit behavior. This failure to maintain accurate reporting and to correct previously disputed inaccuracies constitutes a violation of FCRA 1681e ( b ) and 1681i, which require consumer reporting agencies to ensure maximum possible accuracy and to promptly reinvestigate disputed information.

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