vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, Portfolio Recovery, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 2023-07-25 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: Chime Financial Inc
State: CA

Complaint narrative:
An Authorize purchase was made on XXXX from my chime debit card. I contacted XXXX  there saying they cant refund an Ebt transaction after Ive already sent proof of it being taken from my debit ..Ive contact chime several times they denied a total of 3 disputes after Ive sent conversation between me and instacart also sent proof my cart history and conversations between me and XXXX  still not being refunded by either..they claim it was no fraud activity even after I order a new card they are failing to protect the customer and they dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On Wednesday XX/XX/XXXX I contacted my bank and reported my debit card stolen and I requested a new pinI then was connected to the fraud department and I disputed atm withdrawals made on my account that I did not doI explained the last time I physically used my debit card at ATM was XXXXI explained there were two ATM withdrawals made that I didnt makeI noticed two which were the following on dates XX/XX/XXXX amount XXXX and XX/XX/XXXX amount XXXXI spoke with the representativehe didnt give any further steps or anything he just explained to me that the bank will issue a credit for the charges I disputed and the bank has 90 days to do a formal investigation..so today is XX/XX/XXXX and I contacted my bank gave them this claim number XXXX because thats the claim number he gave me on XXXXand a representative today said can I help you and I said yes Im calling to check the status of my claim filed because my bills I paid are now being returned and she said the bank denied my claimand I asked why she said she didnt know whyand I asked her what do I do nowthis has never happened to mesomeone stole my card went to the atm and took my money out my account and I didnt give anyone any permission to that..and my bank didnt do any formal investigation and I am due a provisional credit and the bank is supposed to do a formal investigation and that is what the first customer service representative explained to me on 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XXXX of XXXX I rented an apartment for {$2400.00} a month and I signed the lease the pandemic hit I lost my job but I kept trying to pay the rent once I got to XXXX of XXXX I was no longer able to pay {$2400.00} a month for rent I made an agreement with the realty company and the owners to pay only {$1200.00} due to my situation and the pandemic they agree now they're trying to collect the {$2400.00} per month for 6 months when I only owe them {$1200.00} as agreed for 5 months from XXXX of XXXX to XXXX of XXXX when I moved out making that only {$6200.00} I am willing to pay that off and make an arrangement but they refuse it this should be against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is regarding complaint # XXXX filed on XX/XX/2023. Equifax requested documentation so they can reinvestigate. I sent them the requested documents including my FTC report via certified mail. Please see attached. And these items still remain unresolved with no proof. They are in violation. Do I need to request a FOIA request for each company to show proof? I mean how far do I have to go to be protected? I've sent my FTC reports to them and the report alone including my letter asking for the deletion should've sufficed. Under code 15 U.S. code 1681I ( A ) ( 5 ) ( A ) ( I ) this reporting agency has continued to say that they have reinvestigated these inquiries, but I have yet to receive any DOCUMENTATION of my wet signature as proof as requested of them. I have been asking them about this for months even before making this complaint. Still NOTHING. These are unverified accounts and I want them removed IMMEDIATELY. Or I will be forced to hold this creditor liable under code 15 U.S. code 1681N ( A ) ( 1 ) ( A ) because at this point this is unjustified, and they are willfully being noncompliant, and I feel violated. I do not need a " continuous reinvestigation '' I need XXXX 's and any hard inquiries that I've requested get removed from my report. IMMEDIATELY!! Or I will be forced to move forward to obtain my remedy. CFPB, I ask for your assistance in this matter as you are the real bureaus here to protect the consumers and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Highline Automotive Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from Highline Automotive. A XXXX XXXX XXXX. The sells rep XXXX told me I was approved for a loan. I paid XXXX down payment, paid XXXX $ for insurance, XXXX $ on registration and tags.We went over the contract and I signed it. I left the dealer excited about my new purchase. On XX/XX/XXXX, I received a call from the dealership telling me I had to bring the car back because bank didnt approve my loan. I called the bank to see why the loan wasnt approved. They told me that I was still approved, but since the dealership lied about the mileage on the car, they had to reduce the price of the car. I then call dealership back to see why they said I wasnt approved when I was. The sells rep XXXX got so defensive and told me if I didnt bring the car back they was coming to take it. On XX/XX/XXXX around XXXX I went outside and my car was gone. I called the dealership and the sells man told me I had 2 options. I could come get my stuff out the car or come sign a new contract. Something just didnt seem right. I started looking over the contract and seen that the loan was from the dealership not the bank. The contract was illegally broke. I wasnt even giving my 10 day notice by mail stating to return the car due to contract issue. I wasnt default on payments, cause I just got the car and bank did approve my loan but dealership didnt want to except terms. Therefore they had no legal right to break contract. Then when I asked for my original security notes and credit application back they said they sent them to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
per 15 1666B no lates should be furnished per 15 usc 1681 b as well. I did not authorize any furnishing, i did not provide my consent or anything. im disappointed in the companies and the matter needs to be resolved asap.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX i opened a bank account at Citibank and deposited my funds that i received from my lawsuit settlement and i was able to use my account for the first few transactions then a few days later i went to transfer money and it wouldnt let me called the fraud department later that day and everyday after that and they told me that i had to call back with a verified phone number which i dont understand because the same number i used to open my account was the same number i called them from and they told me they couldnt use that number so i tried to see if they could use my mom number they said they couldnt use her number or my dad number

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 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
This is not my first time having significant issues with this mortgage company. 
I recently made several major extra principal-only payments toward my loan. Still, the mortgage company did not apply them correctly and did not address numerous e-mails regarding this issue I sent to them using their own secure messaging system. Furthermore, they refuse to provide me their physical address only a po box so there is no way I can serve them or send them registered certified mail. 
I need your help as my first communication with them was over XXXX weeks ago and there is a monetary dispute of over {$5000.00} they refuse to address.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX while in the branch of PNC the branch XXXX recommended I open a credit card with XXXX percent interest on balance transfers for the first 12 months. I accepted their offer and was approved for the credit card and authorized a balance transfer of {$210000.00} to XXXX XXXX Credit card and {$850.00} transfer to XXXX XXXX XXXX XXXX XXXX Credit card. The transfers were authorized with the credit card approval on XX/XX/XXXX. The XXXX XXXX transfer was posted to my XXXX XXXX credit card on XX/XX/XXXX and the XXXX XXXX XXXX transfer was posted to my XXXX XXXX XXXX Credit on XX/XX/XXXX. 
I set up auto payment transfers from my PNC checking account to my new PNC credit card to begin on XXXX and each month after on the XXXX of the month for {$500.00} each. 
I did this to pay off the credit card within the 12 months to avoid any finance charges. 
When my XXXX statement arrived in the mail, the statement period shown was from XX/XX/XXXX - XX/XX/XXXX, and the minimum payment was due XX/XX/XXXX. I had already made a {$500.00} dollar payment on XXXX so I was not worried about the minimum due. 
At sometime in XXXX I received the another statement from PNC for my credit card with a minimum payment due by of {$50.00} by XX/XX/XXXX, however I made a transfer payment on XX/XX/XXXX so I again was not worried about the minimum payment. However I did not notice the XXXX statement included a late fee of {$27.00} dollars and interest charges of {$1.00} dollars. 
When I received my XXXX statement this month I noticed a late fee of {$38.00} dollars and interest changes of {$1.00} dollars. I called PNC and disputed the late fee in XXXX and the interest charge and they reversed the charges for both. The next day I went back and reviewed my XXXX statement again and that's when I noticed a late fee that month too. So Monday morning ( XX/XX/XXXX ) I went to the PNC XXXX and explained the situation to them in person but she was not able to help me, she did escalate my request and I was contacted by a PNC representative who informed me they could not reverse the XXXX Late fee because they had already reversed the XXXX XXXX XXXX and PNC does not reverse XXXX late fees in the same year. 
Both the XXXX late and and the XXXX late fee are erroneous and should be reversed. 
I have made more than minimum payments in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOTAL MORTGAGE SERVICES LLC
State: PA

Complaint narrative:
Total Mortgage is the company. We requested our PMI be removed, we met all the requirements. Our original loan states our XXXX must be at 80 % or less and the home must value at {$450000.00}. Our home valued at {$480000.00}. Once Total Mortgage get the appraisal back they try to change everything and state that we need a 75 % XXXX. That is false and its illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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