vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Someone, whom I have no clue who, accessed my credentials and opened an account @ the PNC bank and received a loan from XXXX XXXX XXXX. Which I never requested or authorized this loan or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2025-02-18 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: TX

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I mailed a debt validation letter to jefferson requesting that they send me the original contract that i sign with the original, proof of the debt assignment, a payment history and dates from the original creditor, I also would like to see the forward flow agreement and chain of assignment this is all with in 15 usc 1692g,15 usc1681e and 15 usc 1681g. i didn't sign any contract with this debt collector and the are reporting inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
In XX/XX/XXXX, I applied to be moved from SAVE to the PAYE repayment plan. During the processing, I was supposed to be placed into the processing forbearance, that counts towards PSLF. I received notice on XX/XX/XXXX that I was placed into this as of XX/XX/XXXX. However, the next day my loan status updated online and I am no longer correctly in the processing forbearance. My loans are listed as in repayment under the SAVE program. I checked on the studentaid.gov website, and XXXX and XXXX are not listed as qualifying for PSLF payments. I have tired to contact MOHELA and have this corrected. However, multiple times I have waited 3+ hours for a call back, just to then be transferred to speak to an advanced agent. After being placed back on hold for the transfer with an estimated wait time of 4+ hours, the call eventually is dropped. 
I have attached the documents I received stating my account was in the processing forbearance as of XX/XX/XXXX, and current account screenshots that show this is not the case, as the the status is " in repayment ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX Wells Fargo Bank Customer Service Subject : Formal Complaint Regarding Unauthorized Account Closure and Withdrawals Dear Sir/Madam, I am writing to formally express my dissatisfaction with the recent closure of my account XXXX on [ XXXX as well as the unauthorized withdrawals that were made from my account without my consent. This action has caused significant inconvenience and financial disruption, and I am requesting immediate clarification and resolution of this matter. 

I have noticed that, following the closure of my account, unauthorized withdrawals were made from my account, which I did not approve or authorize. Such actions may constitute a violation of the California Penal Code Section 484 ( theft by means of false pretense or unauthorized use of funds ). These unauthorized transactions are deeply concerning, and I request a thorough investigation into the matter. 

Additionally, under the Truth in Savings Act ( 12 U.S. Code 4301 et seq. ) and California Civil Code Section 1748.9, I believe Wells Fargo is legally obligated to provide account holders with clear communication regarding account closures, as well as any changes or unauthorized actions taken on the account. To date, I have not received any such notice or explanation regarding these withdrawals or the closure of my account. 

I request the following : A full explanation for the closure of my account, including the specific reasons for this decision. 
A detailed review and explanation of the unauthorized withdrawals made from my account, including the dates and amounts of the transactions.

Immediate reimbursement for any funds that were withdrawn without my consent.

Immediate reinstatement of my account if the closure was executed in error. 
Confirmation that all unauthorized transactions will be reversed, and that my account will be fully protected from further unauthorized activity. 
If this issue is not resolved promptly, I will consider escalating this matter further, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection and Innovation ( DFPI ), and possibly pursuing legal action for the unauthorized transactions and breach of consumer protection laws.

I expect an immediate response and resolution of this matter, and I trust Wells Fargo will take swift action to rectify the situation. 

Sincerely, XXXX XXXX This version highlights both the unauthorized transactions and the account closure, ensuring that both issues are addressed. Let me know if you need anything else added or adjusted!

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
With navy federal credit union. XX/XX/XXXX I reported fraud on the account. Due to two separate charges. Fraud accrued through my old XXXX  XXXX XXXXXXXX. Which at this time I was separated going through a divorce. I had changed banking information, address and credit card information. I had to changed my phone company and all. I was with the phone company since XXXX. So Im not sure how I was hacked. At the time it was a transaction for {$700.00} and for {$1700.00}. I called the bank reported the transaction. I never received information that the fraud was denied. Due to loosing my home n being homeless so the address they have I never received. I called the bank to see about checking account options and they advise me {$5000.00}. I would like to complaint .not sure if its cause my name on this account was never updated with my current last name. My name has been changed for 6 years and it never got updated with the bank. This was not my main account so it was easily mishandled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
C/O again SoFi Bank NA . I had deposited a cashier 's check on XX/XX/XXXX XXXX since then, I have not been able to access my money. The amount of $ XXXX My account has been RESTRICTED for no reason. I have tried several times to contact them but the only phone # XXXX XXXX XXXX takes me to " apparently a security team '' that does not have any answers for me. Representative stating my act has been restricted due to " fraud check ''. but they have cashed my check already. This check was issued by XXXX XXXX XXXX XXXX here in XXXX XXXX Texas. I went to my bank looking for answers for the issued check. XXXX XXXX XXXXXXXX was able to provide me the copies of the check cashed already by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Subject : Dispute Letter Regarding Civil Liability for Negligence ( 15 U.S.C. 1681o ) I am writing to formally dispute the claim of civil liability for negligence under 15 U.S.C. 1681o I believe that the claim is non-compliant with the Fair Credit Reporting Act ( FCRA ) requirements and does not meet the legal standard for negligence as defined under the statute.

According to 15 U.S.C. 1681o, civil liability for negligence requires proof that a party failed to comply with the FCRA, resulting in actual damages suffered by the claimant. After reviewing the details of the matter, I contend that the claim against me lacks sufficient evidence to demonstrate : A clear and direct violation of the FCRA provisions ; A causal connection between any alleged noncompliance and actual damages incurred ; Proper adherence to procedural requirements necessary to establish a valid claim. 

Additionally, if this matter involves an alleged inaccurate or improperly reported credit-related issue, I request that you provide documented proof of compliance with FCRA provisions, including verification of the accuracy of any disputed information.

I formally request the following actions : Immediate review and correction of any inaccurate, incomplete, or unverified information related to this matter ; Removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX detailed explanation and supporting documentation demonstrating full compliance with FCRA requirements ; A prompt resolution of this dispute, including the removal of any erroneous claims or liabilities associated with this matter. 

Please provide a written response within [ reasonable timeframe, e.g., 30 days ] of receiving this letter. If I do not receive a satisfactory resolution, I reserve the right to escalate this matter through legal channels, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies available under the law. 

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

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 2025-02-18 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: TX

Complaint narrative:
Subject : Dispute Letter Regarding Civil Liability for Negligence ( 15 U.S.C. 1681o ) I am writing to formally dispute the claim of civil liability for negligence under 15 U.S.C. 1681o I believe that the claim is non-compliant with the Fair Credit Reporting Act ( FCRA ) requirements and does not meet the legal standard for negligence as defined under the statute.

According to 15 U.S.C. 1681o, civil liability for negligence requires proof that a party failed to comply with the FCRA, resulting in actual damages suffered by the claimant. After reviewing the details of the matter, I contend that the claim against me lacks sufficient evidence to demonstrate : A clear and direct violation of the FCRA provisions ; A causal connection between any alleged noncompliance and actual damages incurred ; Proper adherence to procedural requirements necessary to establish a valid claim. 

Additionally, if this matter involves an alleged inaccurate or improperly reported credit-related issue, I request that you provide documented proof of compliance with FCRA provisions, including verification of the accuracy of any disputed information.

I formally request the following actions : Immediate review and correction of any inaccurate, incomplete, or unverified information related to this matter ; Removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX detailed explanation and supporting documentation demonstrating full compliance with FCRA requirements ; A prompt resolution of this dispute, including the removal of any erroneous claims or liabilities associated with this matter. 

Please provide a written response within [ reasonable timeframe, e.g., 30 days ] of receiving this letter. If I do not receive a satisfactory resolution, I reserve the right to escalate this matter through legal channels, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies available under the law. 

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

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 2025-02-18 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:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection account reported on my credit report. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation