vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
As a consumer I enforce my basic rights. I have a right to be informed. I have a right to be heard. I have a right to choose. I have a right to redress. I have a right to service. I have a right to a healthy and sustainable environment. I redress complaint # XXXX I was denied a line of credit. Which I addressed in the above complaint # on XX/XX/year>. In accordance with federal reserve section 16 part 1 and 2 part 1 federal reserve notes to be issued at the discretion of the board of governors of the federal reserve system set forth for no other purpose are hereby authorized the said notes shall be obligation of the United States. Part 2 application for notes by federal reserve bank. Any federal reserve bank/principal. My make application to the local federal reserve notes. Hereinbefore provided for as it may require such application shall be accompanied with a tender to the federal reserve agent/pnc bank of collateral in amount equal to the sum of the federal reserve notes that applied for and issued pursuant to such application the collateral security thus offered shall be notes .bankers acceptance purchased unerder the provision of said section 14. Of gold certificates or special drawing rights certificates or any obligation which are direct obligation of or are fully guaranteed as to principal and interest by the United States. In no event shall such collateral security be less than the amount of federal reserve notes applied for. Ive also sent my POA to pnc bank. The acknowledge and receive the POA as you will see in my document files.. they also told me to send them instructions as evidence in my document file. I will give instructions in my resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Equifax is showing payment history incorrect, it shows : Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX. Payment paid on time to next month 60 days past due to paid on time. Account shows charged off to next month paid as agreed. Information is inaccurate and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of the collection with 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 2024-12-22 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 find out new collection account in my credit report with EXPERIAN. 
Account name XXXX XXXX XXXX, account number XXXX, account type : XXXX  Original name : XXXX XXXX XXXX XXXX, date opened : XXXX {$150.00}. 

I have never had any dealings with this company. First of all, I asked them to provide proof that this debt is mine, and they failed to do so. If they can not verify my information, please remove this account from my credit report immediately. I am aware that such requests must be addressed within 30 days. 
If they can verify that this account belongs to me, they should provide the following : the method of verification, the original contract with my signature, and my SSN. Only with such evidence can this account be verified. 
However, I am confident that they can not provide this information because this is not my debt. 
Please REMOVE THIS ACCOUNT from my credit history as it is significantly damaging my credit score.

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 2024-12-22 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: GA

Complaint narrative:
Dear CFPB, I have unauthorized accounts and inaccurate information being placed on my credit report. I have disputed these accounts multiple times by mail and online. I am in financial hardship with XXXX kids. I am being denied because of my credit report. I'm unable to receive financial support/ gains due to the inaccuracies on my credit. I also look to see if my personal information was impacted by the data breach, and it was. It's too late file a claim. I AM IN NEED OF IMMEDIATE ATTENTION. I need these items removed from my credit. It's unfair and causing so much stress. 

As I study my consumer laws, I have to come to understand the rights and protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. These laws are designed to ensure the accuracy, fairness, and privacy of information in the credit reporting system. It is disheartening to see these rights violated, as unauthorized accounts and inaccuracies on my credit report remain unsolved despite my efforts to dispute them. I am determined to hold the credit bureaus accountable to ensure compliance with these laws and protect my financial stability. 

1. ( 15 U.S.C. 1681i ( a ) : The credit bureaus have failed to conduct a proper reinvestigation of my disputes within the required 30-day period.

2 ( 15 U.S.C. 1681e ( b ) : The credit bureaus are required to ensure the maximum possible accuracy of the information they report, yet unauthorized and unverified accounts remain on my report.

3. ( 15 U.S.C. 1681c-2 ) : The FCRA requires credit bureaus to block fraudulent or unauthorized information upon receipt of sufficient proof, which I have provided, but no action has been taken.

4. ( 15 U.S.C. 1692 ) Consumers can dispute a debt and request verification before further collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: EdFinancial Services
State: WA

Complaint narrative:
I noticed multiple U.S. Department of Education loans on my credit report that were opened/ originated in XX/XX/XXXX. These accounts are not mine. I have not been enrolled in school since XXXX, I did not enroll in any schools nor have I accepted or signed any legal documents accepting ownership to any student loans. I disputed them through the 3 main credit bureaus and was informed that the information was accurate. I recently attempted to apply for college and while applying, the application came back with prefilled information attached to my SSN including an address Ive never lived at in XXXX, WA and a high school in XXXX Washington. I am concerned I have been a victim of identity theft and my disputes were not properly investigated. I have photos of the random information that popped up on my school application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
My personal information was comprised in a Data Breach by Equifax and once I completed the form which I have attached in this complaint not only was my personal information was compromised but my credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: MS

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The account referenced above is reported as charged off, yet it also shows an outstanding balance. This reporting is both inconsistent and potentially misleading. 

According to standard accounting practices and regulatory guidance, when an account is charged off, the creditor has written off the balance as a loss. Reporting both a charge-off and an outstanding balance is improper, as the debt is no longer active on their books. This error adversely affects my credit standing and must be corrected immediately. 

To support my claim, I am requesting the following : 1. Verification of the balance being reported.

2. Evidence that the creditor has retained the right to report a balance on this charged-off account.

If you are unable to verify the accuracy of this account or the reported balance, I demand that this account either be updated to reflect a {$0.00} balance or removed entirely from my credit report. 

I have enclosed documentation relevant to this dispute : [ Include any receipts, account statements, or correspondence related to the charge-off or balance dispute. ] As required by law, you have 30 days to investigate and resolve this dispute. Please confirm receipt of this letter and provide written documentation of your findings once the investigation is complete. 

Failure to resolve this matter promptly will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action to protect my credit rights. 

I expect your swift attention to this matter. Thank you for your cooperation.

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 2024-12-22 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: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
In XXXX I received a settlement due to my late husband 's death in XXXX. I was due to over the counter XXXX XXXX. The amount was XXXX XXXX, I went to my Bank Zion 's Bank  in XXXX Utah on XXXX. They would not deposit the check. I went to Zion 's Bank XXXX with court documents and they deposited the check. The XXXX XXXX called me and ask why I didn't cash it with her. I told her she refused. My ex grown step daughter that I had not see in eight years after she left two of her children with me came from California to Utah and wanted to live with me. I planned a trip to XXXX in California and I had XXXX XXXX  when I left and when I got there my card started declining I called the bank and they said oh okay you can use you card. I kept declining. I opened a claim they approved the claim did not return my money and told me I was over drawn. I had three open XXXX XXXX  after that the doctors did not know what caused it. I went to the bank and they demanded XXXX XXXX  overdraft I asked them where was my XXXX XXXX. They were very rude. I asked them if my ex stepdaughter opened a account there and they said yes and showed me. They then told me to leave.

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 2024-12-22 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: FL

Complaint narrative:
On XX/XX/XXXX you furnished my consumer reports to XXXX XXXX XXXX XXXX, ON XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX you furnished my consumer reports to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX you furnished my consumer to XXXX XXXX XXXXXXXX On XX/XX/XXXX also you furnished my consumer report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO XXXX, ON XX/XX/XXXX TO RESIDENT VERIFY without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( I ).

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 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
XXXX, XXXX XXXX, was aware of a unique situation regarding property. Home was declared and discharged in bk XXXX. People obtained entry and later title to the home through fraud. They claimed they moved out, but didn't, after being in the home many years. This caused me to be sued by the HOA. I had to file bk in XXXX, partly because of this and legal bills. My trustee made me claim the home as an asset???, then treated occupants as the owner, when they filed bk they were allowed to remain and still are in the home because they used the homestead exemptions. The committed fraud, case in XXXX XXXX. Well apparently, the title changed hands to HSBC They continue to allow these fraudsters to remain in the home and filed an eviction case against myself and my ex husband. I sent a demand letter requesting my judgement lien be paid and explanation as to what and why they are doing what they are doing. Well over a month ago, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am supposed to be on a forbearance as of XX/XX/XXXX or XXXX with 0 interest being added to my account. MOHELA has failed to properly report my information to the credit bureaus correctly making it like I missed a payment when I haven't. I am a student that is on the SAVE plan and there is an injunction held up in court which I was told qualifies me for the 0 interest forbearance. I am needing this information corrected ASAP and a supervisor to reach out regarding this matter. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
ok so the account number of the account in question on my transunion credit profile is XXXX, these people are still actively reporting false and inaccurate information. this is pursuant to US court of appeals, ninth circuit No. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reason for bringing this dispute to the attention of this corporation is defamation, and financial injury. the fine that is allowed by law is the extent of damages incurred by the wronged party as deemed by the courts. Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXX XXXX XXXX so that would leave roughly a {$60000.00} for all the falsely reported information from. XX/XX/XXXX - XXXX XXXX further more, pursuant to FCRA 623, XXXX XXXX XXXX XXXX US court of appeals for the third circuit court case 115 F. 3d 220 XX/XX/XXXX, Filed ( XXXX XXXX. XXXX ) the reason why would be again for defamation and for willful injury. Again Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXXXXXX XXXX XXXX  this would leave another XXXX violation on the table for a district court judge to decide on. 
further more let this be a notice to corporation named " XXXX '' that this is a cease and desist pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist, of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this alleged debt until the name and date of the flesh and blood human being is given, name of original creditor disclosed, and the public and private GAAP accounting records of this account are given.

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 2024-12-22 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: AL

Complaint narrative:
I checked a copy of my credit report and noticed two collection accounts that I am not aware of. 
XXXXXXXX XXXX XXXX date opened XXXXXXXX XXXX And also XXXX XXXX XXXX  date opened 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 non-monetary relief
Consumer complaint received 2024-12-22 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: AL

Complaint narrative:
I checked a copy of my credit report and noticed two collection accounts that I am not aware of. 
XXXXXXXX XXXX XXXX, date opened XXXX XXXX  And also XXXX XXXX XXXX date opened XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I received an email stating that I had been approved for a Capital One Platinum credit card and that it was being shipped to my address. I also received an email from XXXX XXXX stating that my credit score had taken a hit since the Capital One card had been opened. I called capital one and they shared that the credit card was opened today in my name, with all of my information. They are conducting a fraud check and restricted the card, and shared that I will see my credit score adjusted in 60-90 days if they can confirm that the card was fraudulently opened. I have now frozen my credit on all three platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks capital falsely reported information on my XXXX credit report and it's negatively effecting me from doing anything. I have reached out to them on numerous occasions in regards to this matter and they refused to take this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  I filed a dispute with all three credit reporting agencies to remove certain collections because I was a victim in the XXXX XXXX XXXX. They have not provided me with information from these collection agencies on how the debt was validated. These collections were removed from XXXX already.

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 2024-12-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB report has been filed to request pursuant to FCRA 605B ( 15 USC , 1681C-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consist of a personal five hard inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the hard inquiries maintained by Equifax which shows the aforementioned fraudulent items.

I do not recognize the aforementioned hard inquiries appearing on my credit report maintained by Equifax, were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint number XXXX, as proof from the US Federal Trade Commision that all of the aforementioned hard inquiries are the result of identity theft and fraudXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
My account has been closed since XXXX cash app has since closed my account, sold my stocks and will not allow me to access my funds. Customer support representatives have hung up on me and have been really rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
This has been gong on for yrs and they dont fixed problems showing Lates

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