vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX To Whom It May Concern, I am writing to formally lodge a complaint against PNC Bank regarding the malfunctioning IVR system that prevents customers from accessing important information in a timely manner. On XX/XX/year>, I attempted to contact the bank for assistance, but I was unable to proceed due to significant errors in the system. 

The inability to navigate the IVR system has caused considerable frustration and has hindered my ability to obtain critical information about my account. This lack of effective communication channels is unacceptable for a financial institution and raises concerns about customer service and support. 

I urge the Consumer Financial Protection Bureau to investigate this matter to ensure that PNC Bank addresses the issues with its IVR system and provides customers with the necessary access to information and support. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-02 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

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 2025-10-02 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: CA

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: MI

Complaint narrative:
XXXX is attempting to collect on a debt for XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. ' This account was removed from my credit reports in XX/XX/year>. XXXX  own letter dated XX/XX/year>, admits that the debt is time-barred, can not be reported to credit bureaus, and can not be sued upon. Despite this, they continue to contact me through calls and text messages without ever mailing me the legally required validation notice. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ). They are harassing me over a debt that is unenforceable and not reportable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Have problem with ignorance at your bank XXXXXXXX XXXX XXXX XXXXXXXX shedded a cashers check for XXXX did this on purpose, this XXXX needs to be filed I want her XXXX or I WILL FILE VAHRGES AGAINST HER FOR WHAT SHE DID THEN go higher then your ass.this XXXX bank XXXX shedded my two checks when I had receipt and copy of check.she said I will send it after waiting two weeks for my check the bitch shedded my ck on purpose .I WAMT HER FIRED FOR WHAT SHE DID WAS ILLEGAL AND DISHONEST.SHE FUZZZZZ TOLD ME SHE WOULD SEND THEM BUT LIED TO ME AND SHEDDED THEM I WANT THIS BITXH FIRED OR THIS WILL NOT BE THE END OF THIS, NEVER IN MY 75 YEARS HAVE I HAD ANYONE THAT IGNORENT TO shed my & XXXX check. On purpose WHENMSHE SAID SHE WOULD SEND IT.FUCKING LIER, THIS HAS CAUSED A BIG XXXX PROBLEM FOR ME BECOF YOU XXXX XXXX XXXX XXXX, MY BANK WAS SHOCKED THAT SHE DID THAT AND MY BANK TOL ME TO FILL CHARGES ON HER FOR DESTRUCTION OF MY PROPERTY, I WILL FILE LAWSUIT ON YOUR BANK FOR YOUR ILLEGAL ACTIONS WHICH IS SUBJECT TO LAWSUIT.THIS WAS DONE WITH MALLACE.IMWANT HER FIRED FOR WHAT SHE DID, NEVER IN MY 75 YEARS HAVE I EVER SEEN A STUPIT EGNORENT MANAGER WHO THINKS SHE CAN DO WHAT SHE WANTS WITHOUT SUBJECT TO LAWSUIT AND CHARGES ON HER FOR WHAT SHE DID, I HAVE LOTS OF MONEY TO SPEND ON FILLING CHARGES ON HER FOR DESTROYING A XXXX check, WHO CAN BE THAT STUPID TO SHED XXXX IMWANT HER FIRED OR YOU WILL JEVER HEAR THE END OF THIS, IMWILL PERSUE THIS TO THE MAX IM HIRING TWO LAWYER TO GO AFTER her XXXX for shedding my check when I had receipt and proof who is was and stubs to prove it, she pretty much told me to fuck off, is this who you have working for you, no wonder this bank is going bankrupt

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-02 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-10-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the accounts below be removed immediately : Please provide a 1099c as you are stating this account has been reported as a loss and written off. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  If you can not provide a XXXX then please delete immediately. 9. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide your method of validation, then please delete immediately. 10. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please delete immediately as per my agreement with original creditor. 11. Please provide a XXXX as you are stating this account has been reported as a loss and written off yet still reporting a balance. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If unable to provide a XXXX then please delete immediately. 12. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am a 100 % XXXX veteran with a XXXX mortgage through US Bank XXXX 

In XX/XX/XXXX, I entered into a repayment/forbearance plan with XXXX XXXX XXXX I complied fully and made all required payments under that plan. Despite this, US Bank reported those months as XX/XX/XXXX day late to the credit bureaus. 

This is false and damaging reporting. By definition, a forbearance or repayment plan is an agreed-upon arrangement, not delinquency. Servicers are not supposed to penalize veterans for entering such plans. Reporting them as late payments undermines the intent of the XXXX  program and discourages borrowers from seeking assistance. 

As a result, my XXXX XXXX has dropped to XXXX, despite being current on the mortgage, never have missed a mortgage payment in XXXX  years of owning homes, and aggressively paying down other debts. A single mortgage late is devastating to a veterans credit standing ; multiple lates under a formal plan are egregious. 

I am requesting : XXXX. Immediate correction of my credit reporting to remove or re-code the inaccurate late payments. 
XXXX. Oversight to ensure US Bank adheres to proper credit reporting guidelines for XXXX  loans.

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 2025-10-02 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: FL

Complaint narrative:
This is now the 7th documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has been reported in error and must be deleted at once. I did not provide consent. Proof is attached.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX with Experian. The account appears as a collection with a {$700.00} balance, opened XX/XX/year>. 

Experians investigation concluded with the statement that the account was updated. However, the only visible change is the name of the furnisher ( from XXXX XXXX XXXX to XXXX XXXX ). The balance, dates, status, and payment history remain unchanged. 

Experian has not provided : A clear explanation of what was updated. 
The method of verification. 
The name and contact information of the entity that verified the debt. 

This vague response does not satisfy the requirements of the Fair Credit Reporting Act, 15 U.S.C. 1681i, which requires a reasonable reinvestigation and a clear statement of results.

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 2025-10-02 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: TX

Complaint narrative:
I am filing this formal complaint against EXPERIAN for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the XXXX breach XXXX Despite clear obligations under 605B to block the accounts within four business days, EXPERIAN ignored the law and instead responded with a generic verified as accurate notice, without disclosing the source or method of verificationviolating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in Andrews v. TRW Inc. and Menashe v. Bank of New York, where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs XXXX  Bulletin further warns against these systemic failures. I demand immediate deletion of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

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 2025-10-02 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-02 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-02 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: SC

Complaint narrative:
Dear Equifax 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 : 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  FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation