vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XX/XX/year>, I scheduled an online payment of {$18000.00} from my PNC account to pay off my brother 's credit card bill with XXXX. XXXX was not showing that they had received it. XXXX advised us to contact PNC, which I did. PNC had sent the payment with plenty of time, but they advised me to put a Stop Payment on the payment and send a paper check to XXXX, which I did. XXXX deposited the hard check AND the online payment. When I called PNC on XX/XX/XXXX, they informed me they had put the Stop Payment order on the wrong checking account. They acknowledged that they had made the error and then they filed a dispute and assured me that it would be handled within XXXX business days. On XX/XX/XXXX, I received a letter from PNC dated XX/XX/XXXX that they had investigated the dispute and that they had " ... processed [ my ] payment as [ I ] instructed and that no error occurred. '' Furthermore, they had contacted XXXX and " were advised that they have a policy that does not permit the release of account information to third parties '' and that I should contact XXXX directly. I spent more than an hour with PNC on XX/XX/XXXX and reached someone with the dispute team, but my call was dropped, and she did not call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
This is not a mistake, my credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and well-being. I urgently request that they be thoroughly investigated and corrected or removed immediately.

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 2025-04-15 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * XXXX XXXX XXXX * * * XXXX XXXX XXXX * * * XXXX XXXXXXXX * * * * * * * * XXXX XXXX XXXXXXXX * * XXXXXXXX XXXX XXXX * * * * XXXXXXXX XXXX XXXXXXXX * * * * * * XXXX XXXXXXXX XXXX * * * * * * XXXX XXXXXXXX * * * * * * * * * * XXXX XXXXXXXX * * * * * * * * * * In accordance with the fair credit reporting has violated my rights. 
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
Gentlemen, I'll be brief. I'm son of the checking account owner. My father has had some money inhis Regions checking account for a long time. He suffered a XXXX in XX/XX/XXXX, almost dying. Iprocessed a Plenipotentiary Power of Attorney at the United States Embassy to manage his funds. Iwent to the Regions branch in XXXX, and they gave me a checking account check without any problem.The Regions check is open-ended, but for XXXX  banks, it could only be redeemed within 90 days, which I didn't do. I need a new check. My father just let his US XXXX expire, we are in the process ofgetting a new one and his interview is until XX/XX/XXXX. I very respectfully request your collaboration, since I have been dealing with the VP of the Regions XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, to allow me to send a check with a new date, or allow me to go personally with the Plenipotentiary Power to claim a new check, she insists that it is not possible, that I send the documentation to legal and that the legal team will not allow it. My father is an old, sick person whorequires these resources, those are savings that have lasted over time and have not yielded anything because of the Regions blockade. I appreciate any collaboration you can provide me, since XXXX I havebeen struggling crossing mails and calls with the bank regarding this issue unsuccessfully ( I got evidence ), what's the bank expecting? my father 's death?. Please I need you provide me an e-mail to attach allrelated documentation : XXXX XXXX, XXXX, Statement, Check, XXXX XXXX... etc PD

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX received a letter from CREDENCE RESOURCE MANAGEMENT stating that debt was VERIFIED, I would like to point out inaccuracies from DISPUTE INVESTIGATION RESPONSE 1. NAME XXXX XXXX on this account is INCORRECT and does not match my Legal Identification 2. I AM NOT THE OWNER OF THIS DEBT Please REMOVE and DELETE this account from my credit profile as the information that has been provided by CREDENCE as VALID, and is actually INVALID COMPANY IS IN DIRECT VIOLATION OF MY RIGHTS ACCORDING TO THE LAW STATED BELOW 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been attempting to deal in good faith with Portfolio Recovery Associates, and explain to them that the balance they are attempting to collect is not accurate. They are attempting to collect in excess of {$20000.00} on a card that was down to {$9500.00}. I am attaching proof of this. 

They simply are not focused on the issues and are focused on attempting to extract the highest possible number from me without regard to fairness, and without even considering my situation. It is no wonder why this debt collector has been a subject of so many enforcement actions from the regulatory agencies. 

I have attempted to explain my financial hardship on several occasions to this debt collector, along with the details of the fact that I dispute this balance. My concerns fall on deaf ears. I Implore to whomever is reading this complaint, to please consider the facts and actually respond with something other than, " this is the best discount the system allows for. '' I have undergone a XXXX XXXX XXXX and have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently XXXX  but not enough to go back to my XXXX XXXX. A probably will never be able to XXXX XXXX XXXX XXXX. This situation led to a cascading list of events that resulted in a XXXX, legal bills, loss of my home, and a XXXX XXXX XXXX. Ultimately I am left with nothing and now I am trying to pick up the pieces of my financial life and see if I can put them back together. 

Luckily, my XXXX  are willing to help me out in someway, but you must understand that I have several other debts as well. Long story short, I can only offer {$8000.00} as a lump sum offer to settle this debt. I have been steadfast in this with Portfolio Recovery but they seem to not care. Therefore, I am hopeful through this medium and through the CFPB somebody other than a script reader is able to take a good look at my situation and consider my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Item disputed with Experian came back as DELETED by experian on XX/XX/year> and then reinserted without my knowledge on XX/XX/year>. I also never received written notice within XXXX business days of this.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Subject : Failure to Properly Investigate Credit Report Disputes Formal Complaint and Reinvestigation Request To Whom It May Concern, I am writing to formally dispute and request a reinvestigation of several accounts listed on my credit report. These accounts were previously disputed with Experian ; however, your agency failed to perform a reasonable and thorough investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite providing information to support my disputes, these accounts continue to be reported inaccurately, and no meaningful investigation appears to have been conducted.

I am aware of the findings and enforcement actions in Consumer Financial Protection Bureau ( CFPB ) v. Experian Information Solutions , Inc., where Experian was found to have violated federal law by failing to properly investigate consumer disputes and providing inaccurate information to data furnishers without adequate verification procedures. The CFPB held that Experian failed to live up to its legal obligations under the FCRA by not correcting errors even after receiving valid disputes from consumers. 
I request that Experian immediately conduct a reinvestigation of the disputed items listed above, as required under FCRA 1681i ( a ) ( 1 ) ( A ), and that you provide : A detailed summary of your reinvestigation process, The name and contact information of each furnisher you contacted, All documentation provided by the furnishers to support continued reporting, And an updated credit report reflecting the outcome of your investigation.

If these items are not verified within 30 days, I request that they be removed from my credit file entirely, per FCRA requirements.

Please note that failure to comply with federal law may result in further action, including complaints filed with the CFPB, Federal Trade Commission ( FTC ), and consideration of legal remedies. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide all documentation in writing.

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 2025-04-15 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: PA

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: NC

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
Submitted multiple XXXX  requests to restructure and restart repayment. Have been put on administrative forbearance for over a year at this time, delaying my XXXX  without my permission. I lack any ability to change the current circumstances. One complaint was submitted previously with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I sent proof of payment to the XXXX in more than one occasion & continued to receive letters requesting payment. The date of service was XX/XX/year>, the payment was processed in XX/XX/year> & sent to the XXXX as an autopay from my moms XXXX account since I am under her insurance. The hospital has an inadequate billing department that is unresponsive. I would like this is be resolved asap without any impact to my credit since the XXXX is at fault not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have purchasd program online from XXXX for trading the stock market automaticlly, base on XXXX advertisment for {$2400.00} on XXXX XXXX XXXX, using wellsfargo credit card, the following day i have learned that I have to go through XXXX that will take about XXXX months and have to put the XXXX  study parameters in the raw program. 
After several days chatting with the company " XXXX XXXX '' And emailed the owner to cancel the transaction, I decided to dispute the charge with the credit card, case XXXX XXXXXXXX. All email converstion wit the merchant was emailed to the bank based on advvice from bank representative i have received temporary money back on XX/XX/year> on XX/XX/year> the bank charge my card again based on the merchnant respond The merchnant replied with translation of XXXX of the law why i'm not entited to refund wich was misleading the law. 
i have searched the law and interpreted it with XXXX proving that the nerchant translation was wrong. 
On XX/XX/year> the bank sent me a letter that came to my door XXXX days after to reply to nechant respond i have emailed and faxed on XX/XX/year> and faxed later on from the bank my respond XXXX pages to the bank, Today XX/XX/year> i have called the bank and they told me that the dispute was closed XX/XX/year> and the bank have not consider my interpreptaion of the law XXXX was right

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 2025-04-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Midland Credit Management I do not have any knowledge of this company.I have never entered into any contractual agreement or business relationship with this agency Midland Credit Management XXXX They are alleging that I owe them {$760.00}. I have demanded that the company produce the purchase assignment agreement showing that the agency ( Midland Credit Management ) has the legal right to collect on this account. I have never entered into any contractual agreement with this company, and I have yet to recieve the purchase assignment agreement which implies that Midland Credit Management is not the legal owner of the debt, which mean they are not legally authorized to collect or report this debt under 15 U.S.C. 1692e and 15 U.S.C. 1692g.Since the company could not provide legal proof of ownership this account needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I live in XXXX Texas and my home was hit Directly by the XXXX XXXX on XXXX XXXX this year. We lost our entire fence, part of roof, Central A/C destroyed. I made a purchase on my XXXX XXXX  card and it was approved to purchase a window unit so we can survive the heat. The next day my order was cancelled and I called to see what was going on. They were very nice and said they would get it sent to me. It was never sent to me and I started to complain. They got mad at me and lowered my credit the exact amount of that A/C Unit so that I would not purchase it. Synchrony is in charge of all of these cards and I had 4 other synchrony cards, Walgreens, Lowes, XXXX XXXX, Harbor Freight, XXXX. The next day I check my other cards and they had closed all of my accounts and lowered all credit limits without giving me any notification. The knew I was going through a natural disasters and that we are protected under XXXX and t hey did not care. I tried to get the media involved. This is direct targeting from Synchrony. I have never made a late payment even once... They saw I needed to use a lot of credit due to the storm and they removed it even thought they were " acting like they were helping me the entire time '' My credit score has gone down XXXX points due to this. I need to know what steps can be taken because I never received any notification about credit limits going down. THEY WERE DIRECTLY TARGETING ME. PLEASE HELP! Now we are destitute do to this.

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