vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
hi, I basically had two complaints about two different companies. I recently sent out two transactions using crypto. But the thing is, I thought these were to help my account not go into the negative. I was scammed into thinking that support representatives from XXXX and XXXX or contacting me about negative funds in my account that I had to pay in order to not occur more charges. First came the fake XXXX XXXX telling me that I needed to make a payment or I would occur more charges on my card. I use a lot of different cards on XXXX so I wasnt really sure which it is, but I went through with it. The reasoning of this is that they had my information, including my date of birth, full name, even my address and even Social Security so it made me believe that this was real. I paid it and went on with my day. The next day, though I got a call claiming to be a support from an crypto app. I just recently downloaded for XXXX purchases on my own but unfortunately, I got the call saying I had funds that needed to be paid. I was confused but assumed it was related to the XXXX incident as it was going through crypto payments. As I thought this was just a fast new way to get these taxes/payments out of the way so I ended up sending XXXX to a random on XXXX. They said that my claim was invalid because I basically in their eyes verified everything and went through with everything, but this was not the case I had no clue what was really going on and it was basically clueless the whole time. Its very stressful for me. Both times they had my full day of birth full name for Social Security full address. It was honestly pretty crazy and believable.

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 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC
State: WY

Complaint narrative:
Account number XXXX. I was 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 this account. This account is a complete violation of the No Surprise Act. My privacy is protected under HIPPA laws. If you fail to remove, litigation will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate or Unverified Information on My Credit Report To Whom It May Concern, I am writing to formally dispute several inaccurate, unverifiable, or outdated items that appear on my TransUnion credit report dated XX/XX/XXXX ( File Number : XXXX ). These entries do not match my records, and unless you can verify them in full accordance with the Fair Credit Reporting Act ( FCRA ), I request their immediate deletion. 

Please find below the list of disputed items : 1. XXXX XXXX XXXX XXXXXXXX XXXX  ( Account ending in XXXX ) Status : Paid, Closed ; was 60 days past due Dispute : I request verification of the late payments. If unverifiable, please delete this item. 
2. XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Paid, Closed ; was 60 days past due Dispute : I request proof of the alleged late payments or have this item removed. 
3. XXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : This account is inaccurate and not verifiable by my records. 
4. XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : Please provide full validation or remove this entry. 
5. XXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : I contest the unpaid balance claim and request validation. 
6. XXXX XXXX ( Account ending in XXXX ) Status : Settled, Paid Less Than Full Balance Dispute : This entry contains negative remarks ; please verify or delete. 
7. XXXX XXXX XXXX ( Accounts ending in XXXX, {$300.00} and {$120.00} ) Status : Collection Dispute : Both collection items are not verifiable and should be removed. 
8. XXXX XXXX XXXX ( Account ending in XXXX ) Status : Collection XXXX XXXX Dispute : I never received notice of this debt. Please provide full verification. 
9. XXXX ( Account ending in XXXX ) Status : Collection XXXX XXXXXXXX Dispute : Inaccurate and unverifiable. Please investigate.

Under Section 609 and Section 611 of the FCRA, I request : The method of verification for each item The name and address of the original creditor Deletion of any item that can not be verified within 30 days Please also send me an updated copy of my credit report reflecting the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate or Unverified Information on My Credit Report To Whom It May Concern, I am writing to formally dispute several inaccurate, unverifiable, or outdated items that appear on my TransUnion credit report dated XX/XX/XXXX ( File Number : XXXX ). These entries do not match my records, and unless you can verify them in full accordance with the Fair Credit Reporting Act ( FCRA ), I request their immediate deletion. 

Please find below the list of disputed items : 1. XXXX XXXX XXXX XXXXXXXX XXXX  ( Account ending in XXXX ) Status : Paid, Closed ; was 60 days past due Dispute : I request verification of the late payments. If unverifiable, please delete this item. 
2. XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Paid, Closed ; was 60 days past due Dispute : I request proof of the alleged late payments or have this item removed. 
3. XXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : This account is inaccurate and not verifiable by my records. 
4. XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : Please provide full validation or remove this entry. 
5. XXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : I contest the unpaid balance claim and request validation. 
6. XXXX XXXX ( Account ending in XXXX ) Status : Settled, Paid Less Than Full Balance Dispute : This entry contains negative remarks ; please verify or delete. 
7. XXXX XXXX XXXX ( Accounts ending in XXXX, {$300.00} and {$120.00} ) Status : Collection Dispute : Both collection items are not verifiable and should be removed. 
8. XXXX XXXX XXXX ( Account ending in XXXX ) Status : Collection XXXX XXXX Dispute : I never received notice of this debt. Please provide full verification. 
9. XXXX ( Account ending in XXXX ) Status : Collection XXXX XXXXXXXX Dispute : Inaccurate and unverifiable. Please investigate.

Under Section 609 and Section 611 of the FCRA, I request : The method of verification for each item The name and address of the original creditor Deletion of any item that can not be verified within 30 days Please also send me an updated copy of my credit report reflecting the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-28 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-28 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-05-28 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: AZ

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Subject : Unauthorized Transfers from Checking to Credit Card Ongoing Issue with PNC Bank To Whom It May Concern, I am writing to formally express my serious concern and frustration regarding ongoing unauthorized transfers from my PNC Bank checking account to my PNC credit card account. These transfers have been occurring for the past five months without my knowledge, consent, or authorization. 

When I discovered the issue, I contacted both my local PNC branch and customer service. I was told I needed to call the XXXX number, which I did. During that call, I asked a simple and direct question : " Where or when did I authorize PNC to automatically take money out of my checking account to pay my credit card? '' The representative was unable to find any record showing that I gave PNC permission to do this. I never set up an automatic payment, and no documentation or verbal agreement was provided that would allow this behavior. 

As a result of these withdrawals, my checking account has repeatedly gone into overdraft, leading to overdraft fees that I am now being held responsible forall due to actions taken by PNC without my approval. 

Despite multiple attempts to resolve the issue through proper channels, it continues to happen. This is not only financially damaging but also emotionally exhausting, especially when I am trying to manage my business and personal responsibilities.

My Questions : 1. Is it legal for PNC to take money from my checking account without explicit consent to pay a credit card, especially when both accounts are within the same institution?

2. Why am I being charged overdraft fees for a process I never agreed to? 


3. What steps will be taken to reverse the unauthorized transactions and refund the fees incurred?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

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.

XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 2025-05-28 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 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 was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I called XXXX California XXXX to get the amount I owed and name of the collection agency. I called the collection agency as asked if I could send a pay and delete letter which I did on XX/XX/year>. The check I sent along with the letter states if check is cashed that this accounts will be removed from all three credit bureaus within 10 days. To this day they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX Account XXXX XXXX, 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 number XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

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.

XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 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 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