vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.

Complaint narrative:
XXXX XXXX XXXX was co signer on a small loan with XXXX XXXX XXXX @ PNC Bank in XXXX NC. XXXX XXXX passed away XX/XX/2018 and the XXXX NC branch manager was presented with a copy of the XXXX XXXX. PNC continued to send invoices to XXXX. XXXX XXXX XXXX XXXX closed his business ( he is still living ) it was at that time that it came to the attention of the XXXX XXXX that XXXX XXXX XXXX was still on that loan as respocible party. Once more a death certificate was presented to the XXXX NC PNC branch manager as well as XXXX times in the XXXX NC location with that Branch Manger. This matter has still be lingering on and on and it's very offiensive to continue to have this nuisance. I want PNC Bank to STOP sending dept collection letters to a lady that passed away over XXXX years ago. So many letters have been returned noted XXXX over the past years. This matter needs to be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Around 2017 I had sent the wrong person money through Zelle on my XXXX XXXXXXXX XXXX app and here was no disclosures ensuring i put the right contact it that there wouldnt be a cancellation if an error happened and I now notice they have enabled such disclosures now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: SC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX, Section XXXX. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. 
Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
My information on my Vault payroll card was hacked and XXXX exactly was spent at a XXXX on XXXX, over XXXX miles from where I live, and my physical card was in my possession, not loaned out and none of my info was given out by me. No one at this Vault company will cooperate with me when I ask to speak to a supervisor or investigator, there is never anyone to speak to. They refuse to speak to me, refuse to even contemplate returning my stolen funds, I even contacted my company payroll department and Vault wont cooperate with them either. roughly 24 hours after I reported my info stolen, I received the denial letters in the mail. They are doing everything in their power to keep my money and they are not wanting to help me at all. I can provide copies of the transaction, the emails I sent to Vault, and the copy of the denial letter they sent me if needed. Please do what you can, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have a loan with OneMainFinancial and they have the title to my vehicle. 
I had a couple months where I did not have insurance on my car, so they charged me extra for their insurance, the insurance was {$50.00}. After I got back my insurance, I proved I had full coverage on my vehicle and send them my insurance, I had spoken to them many times about the insurance to be taken off, I emailed them over and over. 
They kept saying they would take it off and never did. I paid an extra {$60.00} for two years towards this loan and requested a refund or to put that money towards what I owe. No one will get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: IN

Complaint narrative:
Avant payment is incorrectly showing that I have not made a payment when the balance of the loan is XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I wasnt notified of any debt and didnt know anything about this debt. I didnt sign any agreements or agreed on anything to be sold to a debt collector. 

What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2025, I received a letter of congratulations for my new virtual credit card account. I did not open it authorize a new credit card account. I called XXXX to report the fraudulent account and ensure that it was closed. They closed the account and are reporting the fraud within 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 2025-02-17 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: PA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX Pa XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX, XXXX Pa XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Dear [ XXXX ], I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my file, I noticed that NCCXXXX XXXX , located at XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX made a hard inquiry on XX/XX/2023. I did not apply for credit or authorize this inquiry, and I am requesting its immediate removal from my report. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose to access my credit report. Since I did not provide consent for this inquiry, it should not be listed on my report.

To support my request, I have attached the following documents : 1. A copy of my credit report with the unauthorized inquiry highlighted.

2. A copy of my government-issued ID for identity verification.

Please investigate this matter and remove the unauthorized inquiry as soon as possible. If you can not remove it, I request that you provide written proof that I authorized this inquiry. If no such proof exists, I expect written confirmation that the inquiry has been deleted from my record.

If this issue is not resolved, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Sincerely, [ 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 2025-02-17 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 : Fromal Dispute of Inaccurate Credit Reporting Under XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which protects individuals ' records and requires agencies to ensure their accuracy. 

Upon reviewing my credit report, I identified the following inaccurate information : * Account name XXXX XXXX  Account number XXXX *Account name XXXX XXXX  Account number XXXX *Account name XXXX XXXX XXXX Account number XXXX *Account name XXXX XXXX XXXX Account number XXXX Account type Credit card *Account name XXXX XXXX Account number XXXX Account type Auto Loan As per XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies and furnishers are liable for willful and negligent noncompliance with the FCRA. Additionally, under XXXX XXXX XXXX, agencies must maintain accurate, relevant, timely, and complete records regarding individuals. The continued reporting of inaccurate information constitutes a direct violation of my rights and exposes your company to legal liability. 

I formally request that you : 1. Immediately investigate the inaccurate information. 2. Remove or correct the disputed entry. 3. Provide me with a written response detailing the results of your investigation within XXXX days, as required by law. 

Due to this incorrect reporting, I have suffered financial harm, including denial of credit opportunities and an unjustified negative impact on my credit score. I demand immediate correction and removal of this erroneous entry in compliance with federal law. 

Please consider this letter a formal notice of dispute under the FCRA. If this matter is not resolved in compliance with federal laws, I am prepared to escalate the issue, including legal action if necessary. 

Please respond in writing to the address on file. 

Sincerely, 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 2025-02-17 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: Experian Information Solutions Inc.
State: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-02-17 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
Its been incredibly frustrating dealing with the effects of these incorrect accounts on my credit report. My score has been unfairly damaged, and Ive had enough of missing out because of something I didnt do.

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 2025-02-17 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: CA

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

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 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

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 2025-02-17 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: TX

Complaint narrative:
This letter serves as my formal notice of intent to sue for your agencys repeated failure to correct inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. I have disputed the incorrect balance reported on my XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, yet your agency has failed to correct the errors or provide evidence verifying the accuracy of the reporting. The balance is inconsistently reported across credit bureaus, with TransUnion and Equifax listing {$250.00} while Experian reports {$210.00}, which is a clear failure to maintain maximum possible accuracy, as required under XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX when a consumer disputes an account, the credit reporting agency must conduct a reasonable reinvestigation and correct or remove any inaccurate or unverifiable information. Your agencys continued failure to comply with these obligations constitutes negligence and willful noncompliance with the FCRA. Additionally, your failure to ensure that the furnisher of this data properly verified its accuracy directly parallels the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the plaintiff filed suit in XXXX XXXXXXXX XXXX, alleging that the credit union violated XXXX XXXX XXXX XXXX of the FCRA by failing to remove a disputed balance. Your agencys refusal to take corrective action in response to my disputes places you at risk for similar liability. 

As a result of this inaccurate reporting, I have suffered credit damage, financial losses, higher interest rates, and credit denials. If you do not immediately correct the balance discrepancies, provide verifiable proof of the accuracy of this account, or remove the account altogether, I will proceed with legal action to seek monetary damages, attorney fees, and injunctive relief. 

You have XXXX  days from the receipt of this letter to respond with a resolution. If no action is taken, I will file a lawsuit for your continued violations of the FCRA. Consider this your final opportunity to resolve this matter without court intervention

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