vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
the car was totaled due to being rear ended and the party at fault had state minimum insurance. we waited on final settlements to complete and was given final payment needed from the bank. Payment was submitted and paid. the bank did not post the payment when submitted. they found fault in their records. They had reported we were over XXXX days late as of the posting date they reported. they then found their error and fixed the problem and posted the payment on XX/XX/year> which was not late. I have disputed with transunion twice and each time they do not fix the issue. I disputed with XXXX and the issue was fixed immediately. I sent transunion the letter from the bank showing that they closed the account paid in full as of XX/XX/year>. the issues have caused a significant decrease in my credit score and was no fault of mine

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I reviewed an email from TD bank thanking me for opening a TD Essential Banking with account number XXXX. I immediately called them and told them I did not open an account with them. They told me they closed the account and would be sending me a letter with information about the case. The FTC requested the letter as part of a possible identity theft case. After a month I called them again on XXXX  XXXX after I had not received a letter. They told me they sent it to an address on file which was an old address and not the one I gave them originally. I was told that they didn't sent it to the XXXX cause they have to send it to the one on file cause of fraud issues. I gave then the correct address again and was told it would take about XXXX days. I never received it so I called again on XXXX XXXX stating the same thing and they said they sometimes just don't send them out. I was informed they would be telling their fraud department to send me another one within XXXX days. A day later I sent out a letter to TD bank using the FTC template provided and mailed them regarding the same info. As of filing this complaint XXXX weeks later I have yet to receive any information regarding this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: 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.

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 XXXX 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 2024-10-11 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: EQUIFAX, 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.

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 XXXX 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 2024-10-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: OPORTUN FINANCIAL CORPORATION
State: CT

Complaint narrative:
This complaint to OPORTUNXXXX for allowing incorrect comments account on my credit report. As I checked my recent credit report, the incorrect comments is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank Housing Complaint due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank XXXX XXXX XXXX XXXX amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX. The division Single Point of Contact is XXXX phone no. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The division email address is : XXXX. The Loan Officer, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX 

I recently contacted PNC Bank, President/CEO XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$900000.00}. PNC Bank response was : 1. ) I was responsible for the SCAM/FRAUD 2. ) PNC Bank refused to apologize for the SCAM/FRAUD 3 . ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4. ) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5. ) PNC did not conduct Know Your Customer ( KYC ) on my accounts 6. ) PNC approved the International Wires XXXX XXXX XXXX XXXX XXXX XXXX possible Terrorism ( This is a Federal Offense ). 7. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity. 

PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Customer PNC Bank OfficeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have an account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I contacted them to advise them of two accounts showing on the page with I long in and on my credit report. Their customer service representative advised she did see this and would submit the necessary paperwork to have it investigated and corrected. She advised she would lock the one account and ended up locking both accounts. Which meant I could no longer access any information or make a payment to the account at all. Once their investigation was completed the company advised of no wrongdoing and that they saw no issue. However, with the photo evidence you can see that this is truly incorrect. Now they are reporting that I am 60 days late on my credit report. Destroying my credit score. Please see evidence attached. I have attempted to work with them to resolve this issue which I have done my research and found that I am not the only one this has happened to. Please assist me in correcting this issue.

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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NM

Complaint narrative:
I made a payment to my Avant card on XX/XX/XXXX for the amount of {$25.00}. 
I confirm with my bank and took screenshots of both Avant apps website and my bank which is XXXX 's website confirming the transaction was processed and posted. On XX/XX/XXXX Avant bank canceled this transaction on their end and could not tell me why it was canceled. When further asking them to investigate they told me I had to contact my bank which I already did, and once again my bank confirmed everything was processed on their end and the transaction went through and shows that Avant bank pulled the money out for the amount of {$25.00} on XX/XX/XXXX. I have had Avant bank mysteriously make payments disappear before with no explanation, and charge me late fees creating an illegal billing scenario on their end, also after doing further investigation I show that Avant bank LLC has been sued for illegal billing practices/scaming customers in XX/XX/XXXX. Avant bank LLC creates illegal billing scenarios where they cancel your payment, and then claim to have no knowledge of canceling it causing you to have a late fee the following statement for not making a payment, then they charge you a late fee once again because you end up two payments behind. I have also filed a complaint with the FTC and will be following up with legal counsel on a potential class action lawsuit regarding Avant bank LLC 's illegal billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: IL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-10-11 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: IL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-10-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Dear, Transunion, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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 2024-10-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
They continue to take my money and they wont close my accounts because they are negative. Ive paid off the negatives with PNC a bunch of times but they keep charging me and will not close my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: SC

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 explanation
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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