vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
ALL XXXX TRANSACTIONS/ DATES AND TOTALS ARE LISTED IN THE UPLOADED DOCUMENT. 

PNC BANK HAS ALLOWED FOR XXXX  XXXX TO TAKE XXXX UNAUTHORIZED PAYMENTS FROM MY ACCOUNT, THIS ALL STARTED BACK IN XXXX WHERE SOME XXXX OBTAINED MY ACCOUNT INFORMATION FROM PNC AND HAS BEEN TO THIS DATE STEALING FROM ME, THIS TOTAL IS NOW OVER XXXX AND PNC HAS REFUSED TO DO ANYTHING AND HAS BEEN TELLING ME TO FIGURE IT OUT. 

NOW I AM TRANSFERRING TO ANOTHER BANK XXXX AND WANT TO MAKE OTHERS AWARE TO NOT BANK WITH PNC AS IF YOU ARE EVER IN THIS SITUATION THEY WILL NOT CARE NOR HELP YOU. 

THEY CONTINUE TO TELL ME TO TAKE IT UP WITH CAPITAL XXXX AS IF THEY ARE ALLOWED TO SHARE INFORMATION FROM ME REGARDING THERE CLIENT WHO IS STEALING FROM MY BANK XXXX. 

THE PROBLEM HERE IS PNC IS LIABLE AND CONTINUES TO XXXX THIS AND PAYMENTS JUST KEEP COMING THROUGH. I HAVE BEEN TO THE BRAND A DOZEN TIMES AND HAVE ASKED ALL PAYMENTS FROM THIS VENDOR BE STOPPED, THEY CONTINUE TO COME THROUGH AND THEN TELL ME SO SORRY NOTHING WE CAN DO. THEY SHOULD BE HELD LIABLE THIS IS NOT OK. 

I WANT OTHERS TO BE AWARE SO THEY DON'T NEED TO EVER EXPEREINCE WHAT I AM EXPERIENCING,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the XXXX data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
Someone hacked my cashapp changed all my info so I can't even gain access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of the charge-off notation on my credit report for account [ Account XXXX ], which has been paid in full and reflects a {$0.00} balance. Despite fulfilling my financial obligation, the charge-off remains on my credit report, negatively impacting my credit profile. 

Legal Basis for Charge-Off Removal Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of credit information are required to ensure that all reported data is accurate, fair, and substantiated. The continued reporting of this charge-off as a derogatory mark, despite my full payment, constitutes inaccurate and unfair credit reporting. 

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or misleading information on my credit report, and XXXX  XXXX is legally required to conduct a reasonable investigation within XXXX  days of receiving this request. If the charge-off can not be verified as accurate, it must be removed immediately. 

Furthermore, under FCRA 1681b ( a ) ( 2 ), XXXX XXXX must demonstrate a permissible purpose for continuing to report negative information that no longer reflects my actual financial standing. Since the account balance is {$0.00}, there is no longer a valid reason for maintaining the charge-off status on my credit report. 

Request for Immediate Action I formally request that XXXX XXXX : 1. Immediately remove the charge-off notation from my credit report with all major credit bureaus ( XXXX, XXXX, and TransUnion ) XXXX 
2. Provide written confirmation that the charge-off has been removed or updated to reflect accurate and fair reporting.

3. Cease any further negative reporting regarding this account, in compliance with federal consumer protection laws. 

If XXXX  XXXX fails to remove this inaccurate and unfair charge-off within XXXX  days, I will escalate this matter by filing a complaint with : The Consumer Financial Protection Bureau XXXX CFPB ) The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( OCC ) The Better Business Bureau ( BBB ) Additionally, I will explore legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692e ], which prohibits the misrepresentation of credit information. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the charge-off removal. Please provide a written response within the legally mandated time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally request the removal of the charge-off notation on my credit report for account [ Account XXXX ], which has been paid in full and reflects a {$0.00} balance. Despite fulfilling my financial obligation, the charge-off remains on my credit report, negatively impacting my credit profile. 

Legal Basis for Charge-Off Removal Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of credit information are required to ensure that all reported data is accurate, fair, and substantiated. The continued reporting of this charge-off as a derogatory mark, despite my full payment, constitutes inaccurate and unfair credit reporting. 

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or misleading information on my credit report, and XXXX  XXXX is legally required to conduct a reasonable investigation within XXXX  days of receiving this request. If the charge-off can not be verified as accurate, it must be removed immediately. 

Furthermore, under FCRA 1681b ( a ) ( 2 ), XXXX XXXX must demonstrate a permissible purpose for continuing to report negative information that no longer reflects my actual financial standing. Since the account balance is {$0.00}, there is no longer a valid reason for maintaining the charge-off status on my credit report. 

Request for Immediate Action I formally request that XXXX XXXX : 1. Immediately remove the charge-off notation from my credit report with all major credit bureaus ( Experian, XXXX, and XXXX ) XXXX 
2. Provide written confirmation that the charge-off has been removed or updated to reflect accurate and fair reporting.

3. Cease any further negative reporting regarding this account, in compliance with federal consumer protection laws. 

If XXXX  XXXX fails to remove this inaccurate and unfair charge-off within XXXX  days, I will escalate this matter by filing a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( OCC ) The Better Business Bureau ( BBB ) Additionally, I will explore legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692e ], which prohibits the misrepresentation of credit information. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the charge-off removal. Please provide a written response within the legally mandated time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
I have fallen on hard financial situations. I am working to resolve it but need my account information so I can do so. They claim they do not keep my account number on file and would mail it to me. They have not. I get phone calls, texts and calls to my work daily. I get at least XXXX phone calls to my personal cell phone weekly and at least XXXX text message daily, but some days more. They also contact my work multiple times in a week. The week of XXXX I received XXXX phone calls to my cell phone. This does not include daily text messages and calls to my work. I would unsubscribe to the text but worry they will start contacting me in other calls. My job has complained that they call excessively. I understand I owe a debt and intent to pay, but calling and texting all day can't change my situation. I have a right to have my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
XX/XX/XXXX I needed to change my phone number on my XXXX Bank account. The app would not allow me access to my account until I did this, but every time I tried, I would get an error message. 
XXXX called the XXXX number and the rep could not change my number for me. She said IT would call me back. 
XXXX called me back and left a message. I returned the call the next day and was told this was a known issue and there would be a resolution by end of day, and I would be contacted. 
I heard nothing, tried multiple times to attempt to access my account and still can not. 
I contacted them back on XX/XX/XXXX. This time I was told that my identity can not be verified through my cell XXXX, and I would need to figure out what was different in order for my number to be able to be changed. I was offered no additional assistance. I explained to the rep that I needed access to this {$54000.00} because I have lost my job. She only offered to close the account and mail a check. I explained that I wasnt comfortable with that amount of Money being mailed to me, and how was it that I could have it sent to me, but I cant have access to it online? She contacted XXXX while we were speaking, and then told me they were reporting that my issue was still a known issue involving multiple customers. I was told there is no fix, and no timeline. I asked again how I was supposed to access my money, offering to verify my identity a multitude of other ways, including SS #, drivers license, etc, and was told no, that wouldnt work. I was told I simply can not have access to my account, and they dont know when I will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Humble, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. PINCH FLATBED, IN XXXX. Employers : XXXX A Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

XXXX. Bank Name : XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX CARD SER Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 XXXX  years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a issue that deals with Transunion. I had a drop in my XXXX XXXX only at Transunion. the other XXXX credit reporting stayed the same at XXXX on the XXXX of XX/XX/year> it said my score dropped XXXX pts. I looked an didn't see anything on my credit report, I called Transunion only for them to tell me something like it was my utilization caused it. I never used any more to raised the Utilization at all. I found out thru XXXX XXXX, I use to monitor my credit reports that it showed that XXXX accounts had been closed at XXXX an they we're not mine, but it was taken off the report but it still dropped it. I called Transunion an they don't want to hear XXXX tried explaining it to them an all they could do is see my report which doesn't show these XXXX accounts being added an then removed. What am I to do since it dropped XXXX pts because of this ; This are the accounts that caused the drop ; I have copies of these XXXX accounts. Which are not mine XXXX account removed from your file Between XX/XX/year> and XX/XX/year>, your student loan account with XXXX was removed from your credit report. Closed accounts are usually removed from your report after XXXX years. Once they're removed, the account details will no longer affect your 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Humble, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX. XXXX XXXX AV XXXX LA XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

XXXX. Bank Name XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX XXXX SER Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX XXXX XXXX Section XXXX A. XXXX any consumer has the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any 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