vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened my original account with PNC in either XXXX or XXXX. I have the original documentation listing myself as the primary user of the account. In my last complaint dealing with a HELOC which is leveraged against the same billing address I have utilized since XX/XX/XXXX and the only residence I have occupied since then, I had noted how PNC administratively change my address without my permission or consent to an alternative address. This has made it impossible to use my debit card for transactions due to the fact that my billing address is never correct despite maintaining only one place of residence for the passed 5 years. To add further issue, PNC reissued a debit card they closed for suspected fraudulent activity to the address that they determined to become my permanent change of address. I will have screenshots attached displaying denied transactions for using my address for online purchases. Any of the times I have contacted PNC to have this fixed they have told me either they can not see the address they are sending things too or that I would need to close my bank account and restart to fix it. As a consumer potentially being forced into an identity theft case by a bank this is quite ridiculous they refuse to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. 
My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/2025 INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/2025 Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is 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 2025-06-06 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: NV

Complaint narrative:
I am writing to formally dispute and report fraudulent activity involving an account opened in my name with XXXX, XXXX. I am a victim of identity theft and was XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. It would have been impossible for me to open, authorize, or use any financial accounts during that time. 

Despite submitting documentation to both XXXX and the credit bureaus, I have received notifications indicating that the disputed information has been verified. This is not accurate, as I was XXXX XXXX XXXX during the time the account in question was established. 

To support my claim, I am providing my official XXXX XXXX XXXX XXXX, my identity theft report filed through IdentityTheft.gov, and the police report filed through the Identity Theft and Incident Crime Center ( I3C ), as directed by the XXXX XXXX XXXX Police Department. 

I am requesting that XXXX immediately remove this fraudulent account from my credit report and issue a full refund of all payments made on the account. I prefer that any refund be issued via check, though returning funds to the original payment method is acceptable if necessary. 

Thank you for your prompt attention to this matter.

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 2025-06-06 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: MA

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 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 2025-06-06 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: TX

Complaint narrative:
b'I am a victim of XXXXXXXX The information listed below, which appears on my credit report,\n is the result of that XXXX. \nACCOUNTS:\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

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 2025-06-06 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: TX

Complaint narrative:
I am disputing several hard inquiries that appear on my Equifax credit report dated XX/XX/XXXX. I did not authorize these inquiries, nor did I initiate any credit applications with the companies listed below. I am requesting that these inquiries be investigated and removed from my report, as they may be the result of identity theft or inaccurate reporting. 

List of unauthorized hard inquiries 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 XXXXXX/XX/XXXX These inquiries are negatively impacting my credit profile and were not initiated by me. I am requesting a full investigation into these inquiries and removal from my credit report if they are found to be unauthorized. 

Please let me know if further documentation is required to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-06 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: OR

Complaint narrative:
I recently reviewed my credit report and noticed some inquiries that I did not authorize. These were not made by me, nor did I give anyone permission to use my information for such purposes.

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 2025-06-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I noticed a credit inquiry from a company that Ive never interacted with and certainly did not give permission to access my credit report. I have no relationship with this company and did not authorize this inquiry in any way.

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 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: KS

Complaint narrative:
I was notified that my loans had been placed into forbearance on XX/XX/XXXXXXXX and it was noted that interest would be set to 0 %. I continued to accrue interest up until XX/XX/XXXX when I received an IDENTICAL notice that my loans had been placed into forbearance, and only then did the interest stop accruing. The interest that accrued from XXXX was never removed. I believe that interest should not have been accruing from XXXX and in several phone calls with customer service was told that the interest shouldn't be accruing and that at some point the balance would be fixed ( was told several times within 30 days ). It's been 7 months since the original notice, and the balance still has not been corrected. I have sent several messages and have not been messaged back. Hold times to speak to the interest specialists are 2+ hours long, they provide no call-back option, and when I asked for alternative ways to speak the them, I was told there are no other ways to contact the interest customer service agents. I want someone to look into the issue and either explain why interest accrued after I was told it would be stopping ( and I had met the criteria for interest to stop ) OR would like someone to investigate the issue and begin to correct the interest that should not have accrued. It's been months of contacting MOHELA, and this has not been possible despite hours on my end trying to get the issue addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report not open by me. Please remove these fraudulent accounts as soon as possible I also found inquiries on my credit report from creditors that I did not give permission to run my credit these inquiries are fraudulent please remove them from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALL WESTERN MORTGAGE
State: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries. 

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry. 

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action. 

I further request confirmation of this complaint and the resolution. 

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action. 

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworlds systems inc I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " certified mail : with receipt displaying my signature. If not, please delete account as soon as possible fro my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On Wednesday XX/XX/XXXX I received a notice via text of a possible fraudulent debit from my account I replied to the text with an answer of no it wasnt me so the transaction was declined. Approximately 3 minutes later I received a call from chime financial, the bank in question, that my account may have been compromised and that I should consider closing the account and opening a new 1. I had no way of withdrawing the money prior to closing the account so the representative said they would do it for me. He closed my savings and credit builder account, those were the 2 accounts linked to my checking and then told me to transfer via pay anyone which is way to send funds on the app. I never asked nor did I tell this person to close these accounts nor transfer the money they did it in there own. Once the money was transferred and I followed his instructions to send the money I got an alert from via text message that I was trying to send this money to someone I didnt know so I answered no to the charge and they blocked it. After the second block of these funds and confirmation from me they still sent the money and now my account is empty and in the negative. The person hung up as soon as the money transferred and when I called him back I was directed to chime customer service and filed a complaint to retrieve my stolen money. As of today 2 days after the incident Chime has told me that my claim is denied and Im not getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXXddress : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: AZ

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00} AXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$200.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$21.00} Inquiries XXXX XXXX XXXX XXXX  Date : 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 2025-06-06 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: FL

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00} AXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$200.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$21.00} Inquiries XXXX XXXX XXXX XXXX  Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief