vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2025 I opened mail addressed to me from PNC Bank. Upon opening it, there was a business credit with a {$20000.00} limit on there. A few days prior to that, in late XXXX, I had gone into the XXXX, OH PNC Bank branch to open a new business checking account. While speaking with them, they were asking me for household income and social security number. I had never opened a business checking since I just started my small LLC and just assumed this was required for the business checking although I provided my EIN for my business. I do not work full time but my husband does. He handles all the household finances so I told the banking rep I was unsure of my household income. He looked at my address and realized we live in a nice HOA and said something along the lines of " well, you live there so he must make a good salary '' then proceed to just make something up. I do not know the amount he entered into the computer. I wasn't sure why all this information was needed but just trusted him since he was the business banker and I was brand new to all of this. I was in shock when that business credit card showed up since I had not asked to apply for a credit card, nor do I want one. The PNC Bank rep applied for a credit card without my consent. I did manage to find a man name XXXX XXXX who appears to be some form of a regional manager. My first call with him was unpleasant and felt he belittled me. However, he did show concern during my second conversation with him after he asked about the credit card terms paperwork and I informed him I did not receive such paperwork in the business checking folder I got from opening my account. I have spent countless hours of my valuable time making phone calls, attempting to track people down, going to a different PNC Bank location, and more. Not only is this frustrating to have to deal with, but they fraudulently took my information, essentially stealing it by deceit, while taking advantage of my lack of experience opening a business checking account. They do not seem to care and I feel like they are just blowing me off. I did manage to close the credit card that I did not sign up for in the first place. However, I am concerned with the impact of having a hard credit check done without my consent. At this point, I do not know which credit bureau they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
I have requested the credit agency to provide original contract or delete accounts. I had requested to provide the verification that was used. No response was given. According to the provisions of of the fair and credit reporting act 611 ( a ) 15 USC 1681i ( a ). These disputed items must be investigated or deleted from my credit 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 2025-01-11 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: GA

Complaint narrative:
They are the only credit reported agencies that have me down for any inquiries and they are the only credit for agency was an accurate and I need them to take it down as expeditiously as possible. They had me file a FTC report and nail it And Ive done it three times and they still havent removed it. I have some fair credit report at laws they can not prove that I applied for any of these things so I wan na 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 non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
They are the only credit reported agencies that have me down for any inquiries and they are the only credit for agency was an accurate and I need them to take it down as expeditiously as possible. They had me file a FTC report and nail it And Ive done it three times and they still havent removed it. I have some fair credit report at laws they can not prove that I applied for any of these things so I wan na 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 2025-01-11 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:
XXXX XXXX XXXX XXXX charged off and wrote off this debt as a loss and bad debt. However, I have not received a Form 1099-C as required by the Internal Revenue Service ( IRS ) when a debt is canceled or discharged. Failure to issue this form while reporting a charge-off to credit reporting agencies may indicate that XXXX XXXX XXXX XXXX has not officially discharged the debt. This raises serious concerns about the accuracy of the information reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX charged off and wrote off this debt as a loss and bad debt. However, I have not received a Form 1099-C as required by the Internal Revenue Service ( IRS ) when a debt is canceled or discharged. Failure to issue this form while reporting a charge-off to credit reporting agencies may indicate that XXXX XXXX XXXX XXXX has not officially discharged the debt. This raises serious concerns about the accuracy of the information reported.

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 2025-01-11 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: Synovus Bank
State: TX

Complaint narrative:
I asked first progress to remove the paid and closed account from my credit report. This account is keeping me from getting other credit cards because it shows as potentially negative and charged off. Please remove the paid account!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Good afternoon I bank with Alliant credit union Ive been using them for a while this is where I get my paychecks and take care of my bills I deposit a check for XXXX about 2 weeks ago they restricted my account overall I am not able to access my funds or anything I called dozens of times and they refused from talking to me I was reimbursed from a local business here in my town I went there and talked to them and they said its not anything wrong with them because the money was taken and verified through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
The account doesnt belong to me I was victim of the data breach with XXXX I have showed proof to the credit bureaus and Im having no help

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 2025-01-11 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : 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

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 2025-01-11 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto Loan account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, A Charge Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number # XXXX, and a Credit Card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and derogatory accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries or accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto Loan account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, A Charge Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account XXXX at XXXX XXXX XXXX XX/XX/XXXX under the account number # XXXX, and a Credit Card account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and derogatory accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries or accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-01-11 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccuracies in Credit Reporting Dear CFPB, I am submitting a formal complaint regarding inaccurate and inconsistent reporting on my credit report concerning the account identified as Account Number XXXX by TransUnion and XXXX by XXXX. 

Specific Issues with the Reporting : Account Number Discrepancy : TransUnion reports the account number as XXXX, ** while XXXX lists it as XXXX. This inconsistency raises concerns about the accuracy and reliability of the information being reported. 

Late Payment Reporting : Both TransUnion and XXXX indicate a 30-day late payment in XX/XX/year>, yet my records show no such delinquency. The creditor has failed to provide documented evidence to substantiate this claim, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Payment Status Conflict : Despite both bureaus reporting the account as " Closed '' and " Paid, '' the inclusion of a late payment inaccurately portrays my payment history, which could adversely impact my creditworthiness.

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 2025-01-11 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccuracies in Credit Reporting Dear CFPB, I am submitting a formal complaint regarding inaccurate and inconsistent reporting on my credit report concerning the account identified as Account Number XXXX by XXXX and XXXX by XXXX. 

Specific Issues with the Reporting : Account Number Discrepancy : XXXX reports the account number as XXXX, ** while XXXX lists it as XXXX This inconsistency raises concerns about the accuracy and reliability of the information being reported. 

Late Payment Reporting : Both XXXX and XXXX indicate a 30-day late payment in XX/XX/year>, yet my records show no such delinquency. The creditor has failed to provide documented evidence to substantiate this claim, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Payment Status Conflict : Despite both bureaus reporting the account as " Closed '' and " Paid, '' the inclusion of a late payment inaccurately portrays my payment history, which could adversely impact my creditworthiness.

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 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Capital One and XXXX XXXX XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974. These violations pertain to their mishandling of my personal financial data, improper reporting practices, and disregard for my rights to privacy and financial autonomy. 

1. Violations of FCRA ( 15 U.S.C. 6801-6805 ) : Under the FCRA financial institutions are required to safeguard consumer information and provide clear opt-out rights regarding the sharing of sensitive data. Capital One and XXXX XXXX failed to : Provide me with adequate notice and an opportunity to opt out of sharing my data for promotional or transactional purposes. 

Illegally report transaction history to consumer reporting agencies without my consent, violating my rights under the FCRA and 16 CFR 313.2. Violations of 16 CFR 433.1 and 433.2 ( Preservation of Consumers ' Claims and Defenses ) : Capital Ones utilization of my financial information appears to contravene federal requirements to maintain fair and transparent practices in consumer credit. Specifically : They reported transaction histories, despite the limitations imposed by federal regulations. 

Their practices do not reflect the standard of care expected under 16 CFR 433.1 and 433.2, which mandate the preservation of consumers ' claims and defenses. 

3. Violation of Privacy Rights Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Capital One and XXXX XXXX XXXX ' practices have infringed upon my privacy rights as outlined in the Privacy Act of 1974 by : Sharing or using my personal financial data without explicit authorization. 

Failing to adequately secure sensitive personal information, thereby exposing me to potential identity theft and unauthorized usage. 

5. Negative Impact on Creditworthiness and Financial Stability : These violations have significantly damaged my creditworthiness, reducing my ability to access credit and hindering my financial autonomy. The illegal and unauthorized reporting of my transaction history and derogatory marks have resulted in higher interest rates, denial of credit applications, and an inability to secure financial products vital for everyday operations. As a federally protected consumer, I have been unjustly burdened by these actions, which undermine my legal rights and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX and Portfolio Recovery Associates for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974. These violations pertain to their mishandling of my personal financial data, improper reporting practices, and disregard for my rights to privacy and financial autonomy. 

1. Violations of FCRA ( 15 U.S.C. 6801-6805 ) : Under the FCRA financial institutions are required to safeguard consumer information and provide clear opt-out rights regarding the sharing of sensitive data. XXXX XXXX and Portfolio Associates failed to : Provide me with adequate notice and an opportunity to opt out of sharing my data for promotional or transactional purposes. 

Illegally report transaction history to consumer reporting agencies without my consent, violating my rights under the FCRA and 16 CFR 313.2. Violations of 16 CFR 433.1 and 433.2 ( Preservation of Consumers ' Claims and Defenses ) : XXXX XXXX utilization of my financial information appears to contravene federal requirements to maintain fair and transparent practices in consumer credit. Specifically : They reported transaction histories, despite the limitations imposed by federal regulations. 

Their practices do not reflect the standard of care expected under 16 CFR 433.1 and 433.2, which mandate the preservation of consumers ' claims and defenses. 

3. Violation of Privacy Rights Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) : XXXX XXXX and Portfolio Recovery Associates ' practices have infringed upon my privacy rights as outlined in the Privacy Act of 1974 by : Sharing or using my personal financial data without explicit authorization. 

Failing to adequately secure sensitive personal information, thereby exposing me to potential identity theft and unauthorized usage. 

5. Negative Impact on Creditworthiness and Financial Stability : These violations have significantly damaged my creditworthiness, reducing my ability to access credit and hindering my financial autonomy. The illegal and unauthorized reporting of my transaction history and derogatory marks have resulted in higher interest rates, denial of credit applications, and an inability to secure financial products vital for everyday operations. As a federally protected consumer, I have been unjustly burdened by these actions, which undermine my legal rights and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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