vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
Hi, I was trying to buy an e-bike and I had enough money in my bank account, I went through and paid for it online at XXXX, I called my bank after my bank tried calling me asking if I made the purchase, I called them back and played the games of verification, they even sent me a XXXX pin to my phone, I told them the number, then I explained I paid for the e-bike and plan to have it shipped to my parents house in XXXX  ( I have sent and bought stuff when I was in XXXX  and had it sent to my parents house and this is nothing ). They on the phone want to play more of the verification game which I played because I needed the e-bike ( XXXX XXXX for {$410.00} with tax about {$450.00} and change ) to get around town quicker. I kindly asked them not to mess with my money and make it hard on me to make this purchase, what did they do, they started messing with my money and made it had on me to make the purchase, they canceled the order even those I explained this is not an unusual purchase as I have made XXXX bikes XXXX of which are e-bike purchases in the past year an a half. 
Now I tried to go online to XXXX to make the purchase again XX/XX/XXXX XXXX  afternoon about XXXX. I waited until the XX/XX/XXXX XXXX  morning to find out that they canceled that order. 
I once again on XXXX try to buy the e-bike through XXXX, I called XXXX bank about XXXX pm and we played the verification game again, they sent the pin to my phone and so on. I called XXXX XXXX pm and XXXX pm to make sure they understood that I was trying to buy an e-bike I had money in my account to cover it. 
after all that, I believe my Bank PNC out of XXXX, XXXX  is making it more unnecessary trouble for me to make a purchase for anything online at XXXX. I believe they are trying to punish me other then I am will to not put up with their unnecessary over verification process. 
Part of the verification process is giving a customer id number and a pin on the phone system, once I get to the customer service rep, they send a one-time pin to my phone on file, after I let them know I was called by the bank about the purchase they asked me XXXX more questions about other purchase I made. So on XXXX  it looks like anything I try to purchase on XXXX is required to have a one-time pin sent to my phone before I can purchase anything. 

I don't know it but all this is XXXX on PNC 's side, causing me or trying to punish me for no real reason. 

It is normal for me to be respected at the place I do business. Can you in the office help me? 

This is XXXX of many examples how they continue to mess with my money and make it difficult to use at time. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are credit inquiries on my credit report I did not authorize, i did not give anyone consent to pull my credit report. These are fraudulent inquiries, please remove and Im demanding these inquiries be removed from my report, XXXX has had a massive data breach, my information was exposed in that data breach, I never gave anyone permission to use my report or to even pull it, take all these inquiries off my credit report immediately, I am victim of identity theft, I will send over screen shots of the inquiries thats on my 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 non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Sent Me Multiple Letters About Me Being In Multiple Class Action Settlements For Financial Violations. I Submitted Civil Responses In XXXX XXXX Alabama XXXX XXXX XXXX ( CIVIL ACTION Case No. : XXXX, and XXXX XXXX ALABAMA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALABAMA XXXX XXXX XXXX Civil Action No. : XXXX ) hold multiple documents of breach of contracts and other damages between XX/XX/XXXX and XX/XX/XXXX BREACH OF CONTACTS AND FALSIFYING LEGAL DOCUMENTS AND FINANCIAL BACK FRAUD CONSPIRACIES. Other financial frauds and damages between XX/XX/XXXX and XX/XX/XXXX are listed in records of WELLS FARGO SETTLEMENTS, but I did not settle my claims, because I am still being harmed and violated. I Dispute Accuracy Of Financial Bank Promissory Note Agreements Signed With Wells Fargo XXXX For Student Loans Statements With The United States Government XXXX XXXX XXXX XXXX XXXX XXXX And Wells Fargo XXXX Wells Fargo Has Plead Guilty To Multiple Financial Banking Crimes, Student Loan Crimes, and Inaccurate Paper Statements Crimes, and more. The XXXX XXXX Alabama XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX XXXX, And XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX All have Records Of Criminal Acts.

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 2025-05-27 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Two late payments from XX/XX/XXXX and XX/XX/XXXX are being reported by [ XXXX  and XXXX  ]. I have disputed them multiple times directly with the bureaus, but they keep coming back as verified or updated with no documentation or investigation results provided. The furnisher has never sent me proof of the delinquency or any notice of verification. This violates FCRA guidelines requiring accurate reporting and proper dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I sent a {$600.00} payment through Chime to a seller for what was advertised as a legitimate phone. The same day, I discovered the phone was counterfeit and immediately contacted Chime to report the fraud. I requested they flag the recipients account to prevent future scams and assist in recovering my funds. Chime refused to take any action or initiate a dispute process. 

Because Chime was unwilling to help, I disputed the charge through my external bank. After my bank issued a credit, Chime retaliated by hitting me with a {$600.00} chargeback, even though I had acted in good faith and notified them immediately. 

Chime failed to protect me as a consumer and ignored clear evidence of fraud. They also did not take appropriate steps to report or freeze the scammers account, allowing them to potentially target other users. 

I am seeking : Full reversal of the {$600.00} chargeback Investigation into the recipient 's account for potential fraud Formal acknowledgment of mishandling and steps taken to improve customer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello, In XX/XX/year>, I received a letter from the XXXX XXXX XXXX stating that I owe {$86000.00} to PNC Bank for a vehicle loan. However, this loan was taken out without my knowledge. I have never used or had access to the vehicle in question, and I do not know its current whereabouts. 
I promptly contacted the XXXX XXXX XXXX and informed them of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I disputed the negative items with the credit bureau directly and nothing was resolved.

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 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
Company is XXXX XXXX, I had Internernet service with them. I didn't use it for long period like couple months. It wasn't what I expected. Decided to close the account paid my bill and returned the equipment to an authorized XXXX office just like I was told by a XXXX operator. I didn't had any pending balances. I paid them for the time I used the service, it was a bad service didn't work for me. XXXX has hire or sold the account to a collection company that I don't know them nor had conducted any business with them. they're appearing in my credit and opened a collection account fraudently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, my loans were in forbearance for years. I was not notified of any payments either through email, or mail until I saw the report on my credit today showing a XXXX credit. I fully intend to continue paying off my loan. I would like these late payments removed.

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 2025-05-27 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: FL

Complaint narrative:
Equifax is reporting an account from XXXX XXXX  XXXX ( Account Number : XXXX ) that I previously blocked due to identity theft under XXXX XXXX. XXXX. I provided an identity theft report via the FTC and supporting documents. This account was successfully removed but has now been reinserted without the legally required notice, which violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 

In addition, I sent a certified dispute letter over 30 days ago and have not received any response or proper reinvestigation under XXXX ( a ) ( XXXX ) ( A ). 

Equifax is in violation of the Fair Credit Reporting Act. I am requesting the immediate and permanent deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: MI

Complaint narrative:
On or around XX/XX/year>, my spouse attempted to transfer {$500.00} via XXXX from my business account ( in my name ) to his account. While I was not aware of that specific transaction at the time, I had given him full permission to manage our household finances and use my account accordingly. 

The transaction did not go through, and I received an email notification about a potential security issue. On XX/XX/year>, I was contacted by Associated Bank and informed that the transaction had been flagged. During the call, I explained that my spouse is authorized by me to manage finances, not only at this particular bank, but in general as well, though I understand he is not officially listed on the account. The bank representative informed me that my spouse would need to be formally added. The call ended before we could complete the conversation, and no one from the bank followed up with me afterward to resolve the issue or explain the next steps. 

Following that conversation : I received an email telling me that my XXXX access was on hold for 1-2 days, My online banking access was XXXX, and My account has remained restricted, preventing me from accessing my own funds. 

Since then, I have called three times on three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have consistently been told that only a certain person at this bank can handle this issue. However, I have not received a follow-up, resolution, or timeline for when this will be addressed. As of today, more than 20 days after this incident happened, there is no clear path going forward. 

I am requesting the following : Immediate restoration of access to my account and online banking. 
Clear instructions on how to authorize my husband on the account, if necessary, in accordance with bank 's policy.

A reasonable explanation for the delay in handling my repeated inquiries. 

I understand the importance of fraud prevention and security protocols, but I also believe that customers deserve timely assistance and guidance when issues arise. I hope this matter can be resolved quickly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: CA

Complaint narrative:
Consistent repeated calls on different numbers each time from different call centers. Figured out to the name of the company is Unifin. All the calls in this are traced back to the XXXX XXXX, I attached some files I officially marked some of them as spam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: TX

Complaint narrative:
Claim with id XXXX Was filed. Claim was denied for the XXXX reasons : XXXX. You received and authorized the transaction through text/email alerts during the reported activity. XXXX. There are frequent authenticated logins and access to view the account activity. 
I provided documentation showing I lost my phone purchased a new one and got a new phone number. There is no possible way I received any alerts if I didnt have a device! I expect XXXX to stick to their terms and conditions and help me recoup my funds. I did not authorize these transactions, and immediately notified them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: STATE BANKSHARES, INC.
State: ND

Complaint narrative:
In XX/XX/year>, I requested a cashiers check from Bell Bank to pay off my vehicle lease. The check was made payable to " XXXX XXXX '' and sent to XXXX XXXX XXXX ( XXXX ). XXXX deposited the check into their XXXX XXXX account, even though it was not made out to them. 

On XX/XX/year>, I was informed by XXXX XXXX, a Bell Bank employee, that the cashiers check had been signed incorrectly by the bank, which may have contributed to the problem when the check was deposited. 

Subsequently, XXXX XXXX reversed the deposit due to the payee name mismatch. XXXX claims that the reversed funds were returned to Bell Bank, but Bell states they have not received the money back and has been unable to confirm the reversal or trace the missing funds. 

On XX/XX/year>, I held a three-way call with XXXX and Bell Bank XXXX Bell confirmed the funds had not been returned and suggested XXXX reach out to XXXX XXXX. Bell also advised waiting 30 days from the deposit date ( XX/XX/year> ) to see if the funds would return which has now passed. The funds are still missing. 

Meanwhile, XXXX has now sent a notice demanding I return my vehicle or risk repossession due to this unresolved issue, despite my good-faith payment and Bells role in issuing a flawed cashiers check and failing to track the reversal. 

I am now in a situation that is not my fault, I'm in danger of losing my vehicel, and my credit taking a hit. 

Attached you will see a screenshot from my XXXX account stating the funds have been reversed. You will see a picture of a letter I received from XXXX saying the same. You will also see the evidence Bell has provided stating the funds were deposited, along with the emails from Bell indicating that the check was written incorrectly. You will then see a document of XXXX stating they need me to return the vehicle.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> someone used my credit card information and my identity to buy tickets and merchandise at XXXX XXXX XXXX. Synchrony Bank insists I am responsible. I have filed a police report for identity theft and continuously fought the charge with Synchrony Bank. Synchrony said they have photos of the persons who used my credit card information and would send them to me, yet they havent. Ive been fighting with Synchrony for almost a XXXX. This amount is {$1100.00}! I dont know what else to do. Please help me.

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