vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC XXXX Md ( XXXX XXXX XXXX ) checking account locked since XX/XX/year> with no time frame as to when money can be accessed or payments made or received. 
on XX/XX/year> the account ending in XXXX was apparently accessed by a hacker named XXXX XXXX. We do not know this person. She tried to reverse legitimate charges then quickly steal the money by international transfer. My daughter called the bank when she noticed the unauthorized disputes. The bank froze the account and the transfer was denied. No money was stolen, but the account remains completely frozen. 
PNC is holding money in the account that should be accessible for 3 months. 
The person needs the money urgently and can not acess the money or open a fresh pnc checking account. She can not pay her bills or have direct deposit to the frozen account. This does not seem fair to penalize the victim. we have done everything asked. Talked to the banker, submit documentation, called fraud and spoke to a man named XXXX who repeatedly said " i can't help you ''. 
we don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear TransUnion XXXX Department, Pursuant to the Fair Credit Reporting Act ( 607 ( b ), 611, and 623 ( a ) ( 3 ) ), this serves as my formal dispute of multiple inaccurate entries appearing on my TransUnion credit file. Your agency has an affirmative duty to ensure maximum possible accuracy and to perform an independent reinvestigation as required under Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir.

1997 ). 
1. XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports contradictory Late 90 Days and Over 120 Days status, with conflicting pastdue balances of {$30.00} and {$40.00}. 
Violates FCRA 607 ( b ) and Metro-2 Fields 24 & 25 ( Payment Rating / Account Status ). 
Demand : Provide full ledger showing due dates, payments, and postings for every alleged late month. Codes are not proof. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows Closed on one report and Open on another ; contradictory to factual possibility. 
Violates FCRA 607 ( b ) and Metro-2 Field 012 ( Account Status ).

Demand : Verify and reconcile status ; delete if not fully substantiated. 
3. XXXX XXXX ( # XXXX ) Purchased by Another Lender Reports balance {$0.00} yet coded as Charge-Off ( 97 ). Improper dual coding. 
Violates FCRA 607 ( b ) and Metro-2 Fields 17 & 58.

Demand : Correct to Transferred/Sold or delete entire tradeline. 
4. XXXX XXXX XXXX Reports As Agreed status while simultaneously showing five 90-day lates. 
Violates FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), and Metro-2 Fields 17 & 25. 
Demand : Provide full payment ledger or remove all delinquencies.

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 2025-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consolidated Credit Solutions, Inc.
State: CO

Complaint narrative:
I have a typed complaint. Please see attached PDF to this complaint. It includes all facts and circumstances important to understanding the problem and assist with the solution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXXXXXX

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 2025-10-09 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Absolute Resolutions Investments , LLC . My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Absolute Resolutions Investments , LLC can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to Absolute Resolutions Investments , LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Subject : Reopen Complaint Immediate Cease & Desist and Debt Dispute Message : I am requesting a reopening of my complaint against Absolute Resolutions Investments , LLC ( XXXX ) and formally demand an immediate Cease and Desist of all communications and credit reporting regarding this account until the dispute is fully resolved. I dispute XXXX  claim that my account balance is {$6900.00} and request full validation of the debt, including original account documents, payment history, and any calculations used to determine the current balance. Any continued reporting of this account to credit bureaus without proper validation is inaccurate and violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, including my right to dispute a debt and request cessation of collection activities. I have documentation of payments and prior correspondence with XXXX XXXX and XXXX. I request CFPB forward this reopening to XXXX for prompt investigation and resolution, including enforcement of my Cease and Desist rights and correction or removal of any inaccurate credit reporting. 

Name : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-09 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: OR

Complaint narrative:
XXXX XXXX blocked access to my card on XX/XX/XXXX. I sat on hold waiting to talk to someone from XXXX to XXXX when I finally hung up. The next morning at XXXX XXXX  I waited on hold again XXXX XXXX. I was told I have to email a copy of my id. I will get an email if its accepted then call back. I sent a picture of my id front and back immediately. I received an email saying to call back if I dont receive a response within 3 to 5 hours. I waited until XXXX to call them back. Was on hold again for a long time was told I had to wait 3 days for them to verify my id those 3 days came I never got a response so I called again after 4 days was told I had to wait there was nothing they can do. After 7 days I filed a complaint with the bank escalation department. Was told XXXX XXXX has 3 days to respond. I got a saying they didnt accept my id because its expired. My id is not expired until XXXX. Its been 2 days now waiting for the escalation department to call me back. This has caused my rent to be late my kids and I to be hungry as I rely on my social security to support my kids and I. They still have not answered my many requests as to why its been suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: VA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-09 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: VA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine ; their presence is inaccurate, misleading, and damaging to my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I tried making a XXXX  account this summer but said that a verification code would be sent to an email I did not know. I tried to contact XXXX  for help, but didn't get much from their help center. XXXX XXXX tried helping me in response to my request, but hasn't gotten back since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
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 2025-10-09 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I amwriting to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited {$4500.00} in my Robinhood account. On XX/XX/XXXX I tried to withdraw the amount out, but was met with a notification stating that my account was restricted with no explanation as to why. Theres an option to request a call to speak to a representative so I did. Someone called stating that yes my account was restricted but they could not give any explanation and that they dont know how long it will take to open the account again, giving me little hope that I will be able to withdraw my money. It is XX/XX/XXXX and without any warning or explanation they have closed my account with my money still sitting in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its establishment or usage. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
I called the company on XXXX, attempted to get a settlement or payday schedule in place while lowering the interest rate or freezing it, they did not cooperate at all and said whatever payment I make, whether it be a smaller amount or not, will go towards the interest. They will not budge at all I need a payment plan in place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
To XXXX XXXX and Wells Farg

o Executive Office : By denying my claim of Crypto currency fraud, you are declaring me a perpetrator of fraud against my bank, Wells Fargo. THIS IS PATENTLY UNTRUE, and I do not appreciate your insinuation that I attempted criminal actions against Wells Fargo. Did you not read my attachments sent to you regarding bank fraud from the XXXX? 

If restitution is not agreed to by Wells Fargo, I am opening an additional complaint via CFPB ( new complaint to be created on XX/XX/2025 ), alerting local media via XXXX XXXX XXXX, and reaching out to XXXX XXXX XXXX XXXX editor XXXX XXXX to advise of my criminal association as determined by Wells Fargo. 

This fraud was perpetrated three months ago. I will give Wells Fargo 10 days to respond. Then I'm going public. Please note my XXXX Police Report was opened and approved XX/XX/2025. 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