vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts that were fraudulently added to my credit file. As a victim of a data breach, I did not authorize these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$9900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX. XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$33000.00}

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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I recently ordered a new debit card from PNC after discovering that my old card was being used without my authorization. PNC issued me a new card, but to my surprise, they also shared my new card information with companies I had subscriptions with. The reason I requested the new card in the first place was to stop those companies from charging me after I had canceled my subscriptions. I assumed that getting a new card with a different number would prevent this from happening. PNC did not have my permission to share my new card details with any companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report due to my involvement in a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am asserting my rights as a victim of identity theft and demanding that the following accounts and inquiries be permanently removed from my credit file : Fraudulent Account : XXXX XXXX XXXX - Account No. : XXXX Open Date : XX/XX/XXXX | Balance : {$0.00} Fraudulent Inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security : XXXX XXXX Equifax XXXX To Whom It May Concern, [ Date : XX/XX/XXXX ] URGENT MATTER I am writing to formally dispute and request the immediate removal of fraudulent accounts and information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent entries and will be challenging them based on violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
I request the removal of the following fraudulent non-mailable addresses : XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Additionally, I request the removal of the following fraudulent accounts from my credit report : XXXX. XXXXXXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Card XXXX. XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Card In accordance with the FCRA, I demand that you comply with the following provisions : 15 U.S.C. 1681 : I have the right to privacy and confidentiality, and the listed fraudulent items must be removed from my credit report.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report any information that is adverse and exceeds seven years from the date of occurrence, except records of criminal convictions.

15 U.S.C. 1681s-2 : A person or entity shall not provide any information to consumer reporting agencies if the information is inaccurate, and your company is responsible for ensuring the accuracy of the accounts listed above.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information provided to them.

If the above accounts and addresses can not be verified within the 30-day period stipulated under FCRA Section 609 and 611, they must be removed immediately. Failure to comply will result in legal action, and I reserve the right to file a small claims action against your company for any damages caused.

Please confirm receipt of this letter and provide the necessary documentation verifying the legitimacy of the fraudulent accounts listed above. I expect a response within 30 days, as mandated by federal law. Failure to provide a satisfactory response will result in legal action.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: SC

Complaint narrative:
Amount claimed owned : 2018 $ I have called DNF Associates over 20x in the last 2 yrs since seeing the collections account on my credit report. Never received any correspondence, not email, phone call or mail about it. 

I have called, emailed, and hand written letters once a month for two years with zero response. 

Have disputed the collections multiple times

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me and are fraudulent. 
Fraudulent Account : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$4500.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/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 non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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 2024-11-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I bought four American Express Gift Cards from XXXXXXXX, each valued at {$300.00}, totaling {$1200.00}. 

Although these gift cards are supposed to be accepted wherever American Express is, they were declined at several qualified merchants, making them unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian reinsert an old debt as new from a collection agency that reported the debt as new. The debt that was removed from my credit report 3 years due to not being mine and past the stature of limitation. There was no validation of the debt that a new collector XXXXXXXX XXXX XXXXXXXX is reporting as new .Section 605 ( a ) ( 4 ) of the FCRA says charge offs and collections can not be reported any longer than 7 years, and section 605 ( c ) ( 1 ) says the clock usually starts ticking 180 days after the date of first delinquency.

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 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had auto Insurance with XXXX  so Im pay for both cars around XXXX $!!!! Its supposed to be full coverage, one of my XXXX windshield got stone and it crack Im calling them and they supposed to be fixed but I founded that Im paying this amount for regular all time after thats I was cancel policy and this month I found out thats they claim XXXX $ this insane policy was cancel myself after Im overpaid them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
My account was closed with no warning or explanation and when I called they refused to give me any answers as to why and only told me I wasn't getting a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We are filing this complaint regarding XXXX American Express ( Amex ) gift cards that were provided to us as an incentive for signing our apartment lease at XXXX XXXX. Both gift cards, valued at {$1500.00} each ( for a total of {$3000.00} ), have consistently been declined at various merchants despite multiple attempts to use them. 

Since receiving these gift cards, we have not been able to access the funds, effectively rendering the cards useless. We have verified that the cards were properly activated, and the issue persists across various vendors and transaction types. 

We have contacted the American Express call center multiple times regarding this issue and have not received any resolution. Despite our repeated efforts to resolve the matter directly with Amex, the cards remain non-functional. 

This situation has caused us considerable frustration and inconvenience as these funds were intended to be a part of the lease agreement incentive, and we have been unable to use them as promised. 

We kindly request that the total amount of {$3000.00} ( representing the value of both cards ) be issued to us via check or another guaranteed payment method. This would allow us to make use of the funds as intended. 


Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request the immediate blocking and deletion of a fraudulent account and unauthorized inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I can confirm that the following entries are fraudulent and not authorized by me. 
Fraudulent Account : 1. Unauthorized Collection - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$3400.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX ( appears twice ) XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/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 non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, I have confirmed that these accounts were not authorized by me. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, I have confirmed that these accounts were not authorized by me. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00}

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 2024-11-28 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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