vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: KY

Complaint narrative:
I recently Spoken to XXXX XXXX and was Told that Ava Finance Reported that they placed a late payment on XX/XX/XXXX Billing Cycle began XXXX XXXX.. I paid my XXXX Bill so How can I be late for XXXX .. and Have a late payment Reported on XX/XX/XXXX when the Month was Over yet!!! Also hes the new Dispute number given by XXXX XXXX will be listed!!! 
Please help me Remove this account Due to False Information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this formal complaint against PNC Bank for engaging in severe financial abuse, manipulation of personal funds, and deliberate obstruction of access to money I rely on to live. 

PNC has placed an unexplained hold on my account and has completely cut off my access to my own funds. I have not received any written notice, any justification, or any indication of how long this hold will last. I have been locked out of online banking, with no communication from the bank whatsoever. My repeated efforts to get answers have been ignored or deflected. 

I depend on this account for basic living expensesfood, shelter, transportation, and medical needs. By denying me access without cause or communication, PNC is actively placing me in danger, causing extreme financial hardship, and inflicting significant emotional and psychological distress. 

In addition to freezing my funds, PNC reversed a verified XXXX deposit to XXXX, which I initiated using my own money. They did this without notifying me, and their interference occurred immediately before XXXX reached an all-time high, causing me to miss out on a substantial and time-sensitive investment gain. This action was unauthorized, unexplained, and financially devastating. 

To make matters worse, when I followed PNCs instructions to visit a branch for assistance, the branch XXXX had me trespassed, banning me from the property. I have been told to resolve a situation at a location I am legally barred from enteringa result of their own misconduct. This is not only unethical but operationally impossible and deliberately obstructive. 

This behavior constitutes : Financial abuse and manipulation Withholding of life-sustaining funds Negligence Violation of consumer rights I am demanding the immediate intervention of the CFPB. I request : Full and immediate release of my funds A formal written explanation for the account hold and transaction reversal A complete investigation into PNCs abusive conduct Restitution for lost investment gains and financial damages Accountability for the emotional and physical impact caused by these actions PNC Banks conduct has been reckless, hostile, and damaging. Their refusal to communicate, combined with their unilateral control over my finances, has directly harmed my well-being and financial future. This is a clear abuse of power and trust, and I will not allow it to go unanswered. 

Sincerely, XXXX XXXX XXXX, OH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, La XXXX XX/XX/XXXX To whom it may concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : XXXX XXXX XXXX  XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 
As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 

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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, La XXXX XX/XX/XXXX To whom it may concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : XXXX XXXX XXXX  XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 
As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

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

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
I am writing to formally dispute the inaccurate and improper reporting of a charge-off account associated with XXXX XXXX XXXX XXXX . This entry is materially false, misleading, and fails to meet the accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and I demand immediate removal within 4 business days. This alleged account was purportedly charged off, yet I have not received a Form 1099-C, which is legally required by the Internal Revenue Service when a debt is canceled and considered income. Without such a filing, the debt can not lawfully be considered both cancelled and collectible, nor can it remain on my credit report. This is a clear violation of FCRA and IRS reporting standards, constituting willful misreporting and noncompliance. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus are required to delete disputed information that is inaccurate, incomplete, or unverifiable. This account fits all three categories. The
ongoing reporting has caused substantial harm, including a drop of nearly XXXX points in my credit score, and creates unlawful obstacles to financial access and personal advancement.

I hereby demand the immediate removal of this account from my credit file within 4 business days of receipt of this letter. Failure to do so will be treated as continued willful noncompliance under the FCRA, and I will pursue formal complaints with the CFPB, FTC, and State Attorney General, and initiate legal proceedings for statutory and actual damages.

Please confirm in writing that this inaccurate information has been removed and that no further attempts will be made to reinsert it without full compliance with FCRA reinsertion rules ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wife and I opened our bank account in early XXXX at Bank of America using a promo code that said receive {$2000.00} in direct deposits by XX/XX/XXXX and receive {$300.00} opening bonus. We received the amount to qualify for the bonus and hit all the other necessary conditions. My wife called BOFA twice between XX/XX/XXXX and early-mid XXXX to inquire and they explained the funds would be deposited within a 90 day window. On XX/XX/year> I placed an outgoing phone to BOFA at XXXX XXXX. On that phone call which lasted approximately 20 minutes I was told by a female customer service representative ( Name Unknown ) that our account had been marked by BOFA and we had qualified for the bonus offer and we would be receiving our bonus no later than that next Monday XX/XX/year>. We received no bonus. A few weeks later after giving BOFA more time, I placed another phone call and spoke to one customer service representative who said we did not qualify and talked to her manager who could offer no further explanation.

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 monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I never got a letter stating this was going into collections. The apartment complex listed was during XXXX and myself and partner at the time became unemployed and could not pay rent. Went through the courts to get it paid and payment was received. XXXX at the time claims she never received the check and she later disappeared and no longer worked there. I am trying to move and this on my Credit report is hindering that and I need it removed expeditiously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
recently reviewed my credit report and discovered an account that is not reporting accurately. Specifically, a payment has been incorrectly reported as late, when it was actually paid on time. I understand that consumer reporting agencies are legally obligated to ensure the accuracy of the information they report. I have attached a copy of my credit report for the late payment on XX/XX/year>, highlighting this inaccurate late payment. I demand that this payment status be immediately corrected to 'paid on time ' or 'never late. ' It is impermissible for CRAs to report information when they have knowledge of errors, and I have substantial doubt about the accuracy of this reported late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
recently reviewed my credit report and discovered an account that is not reporting accurately. Specifically, a payment has been incorrectly reported as late, when it was actually paid on time. I understand that consumer reporting agencies are legally obligated to ensure the accuracy of the information they report. I have attached a copy of my credit report for the late payment on XX/XX/year>, highlighting this inaccurate late payment. I demand that this payment status be immediately corrected to 'paid on time ' or 'never late. ' It is impermissible for CRAs to report information when they have knowledge of errors, and I have substantial doubt about the accuracy of this reported late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am trying to purchase a house and This company is reporting fraudulent inaccurate information on my credit report damaging my credit drastically. I have requested that thy provide the purchase agreement to show full ownership of such account and also other documents so i May review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX  XXXX XXXXXXXX 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/year> received letter in mail from debt collector dispute collections off credit due to creditor not following correct steps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
{$2200.00} was taken out of my account XX/XX/XXXX I tried to dispute it and they did nothing.

Company response to consumer: Closed with explanation