vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
Transunion has placed 10 fraudulent inquiries on my credit report after removing them. I have reached out to them directly about this matter and they assured it would be resolved and today they added more inquiries to my report!!!! According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Transunion has placed 10 fraudulent inquiries on my credit report after removing them. I have reached out to them directly about this matter and they assured it would be resolved and today they added more inquiries to my report!!!! According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I am submitting this complaint because I have not received a written response from PNC Bank regarding my formal request for documentation and review of overdraft fees and transaction processing practices. 

On XX/XX/year>, I sent a letter requesting : A written explanation of how my daily transactions are processed ( chronologically or reordered by amount ). 
A full supervisor-led review of my account history to identify if reordering resulted in excessive overdraft fees. 
Documentation of PNCs policies related to transaction processing and overdraft fees. 
A resolution, including reimbursement, if the review reveals that unfair practices were applied. 
PNC responded via email through an Executive Client Relations Specialist, XXXX XXXX, offering a phone call to discuss the matter. However, I made it clearboth in my initial letter and a follow-up email sent on XX/XX/XXXX, XXXX I prefer written communication for documentation purposes. 

Despite waiting more than a month, I have not received a written response or update. This lack of response is unacceptable given the potential financial harm Ive experienced. I am requesting that PNC be required to provide the documentation and written resolution Ive repeatedly asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Torres Credit Services, Inc.
State: PA

Complaint narrative:
have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
My accounts 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 reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX. 

Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor Name : XX/XX/XXXX XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Creditor Name : REMOVAL DATEL Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
There is a collection account that just hit my credit report. I have no knowledge of this account, I have no relationship with this creditor. On the Experian report there is no information on how to contact this creditor. 

Account Name : XXXX XXXX XXXX Acct Number : XXXX Amount : XXXX I have no idea who this belongs to. I need this to be removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
There is a collection account that just hit my credit report. I have no knowledge of this account, I have no relationship with this creditor. On the Experian report there is no information on how to contact this creditor. 

Account Name : XXXX XXXX XXXX Acct Number : XXXX Amount : XXXX I have no idea who this belongs to. I need this to be removed from all 3 credit bureaus 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 non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
Today, XX/XX/2025, I lost XXXX  points of my credit score for no reason.

I'm complaining because I don't have any missing payments or any late payments at all ; all my accounts are in good standing, and my student loan is not due for payment as I'm still in school.

I need clarification as to why my score went down to XXXX  points.

I had been working so hard to get my score in good standing, and now, for no reason, it went all the way down to poor credit after it was a good rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX i put a fraud alert on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX ( this on is on there twice ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 

I'm attaching a screenshot of my email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
Was targeted by etrade for Morgan Stanley checking account, a XXXX $ bonus reward for XXXX direct deposits of XXXX $ +. 

Opened account on XX/XX/XXXX ending in XXXX. 

On XX/XX/XXXX, received an email/alert stating Congratulations! Based on your recent direct deposits into your new checking account, you've met the preliminary qualifications and are on track to receive a {$250.00} cash bonus. 

We will now assess your account to ensure all offer requirements are met. If we determine that all requirements have been met, you can expect your bonus to be deposited into your account within 120 days from when your account was opened. Get the details. 

On XX/XX/XXXX, received an email/alert stating Great job! We have received XXXX qualifying direct deposit of {$1000.00} or more into your new checking account. You just need to receive one additional qualifying direct deposit within 90 days from account opening to qualify for your {$250.00} cash bonus. 

On XX/XX/XXXX received a 3rd email/alert You may have received an erroneous alert notification regarding your checking account`s status in the {$250.00} promotional offer. The notification stated that we still need to receive one additional qualifying direct deposit in order for you to qualify for the {$250.00} bonus.

That alert was sent in error when you completed your second qualifying direct deposit into your new checking account. Please disregard it.

Based on your recent direct deposits, you`ve met the preliminary qualifications. We are reviewing your account to ensure all other offer requirements are met. If they have been, you can expect your bonus to be deposited into your account within 120 days of when your account was opened. 

We apologize for any confusion. 

On XX/XX/XXXX received a final 4th email/alert You recently opened a new checking account from Morgan Stanley XXXXXXXX XXXX XXXX XXXX FDIC as part of a cash bonus offer. Unfortunately, your account did not meet the offer requirements to qualify for the cash bonus.

The dates of my 2 direct deposits of XXXX $ each that went into the checking account were XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft, and two fraudulent accounts are being reported on my credit report without my authorization : XXXX. XXXX XXXX account ending in XXXX XXXX XXXX XXXX account ending in XXXX I did not open or authorize either of these accounts. Both are the result of identity theft and are currently appearing on my Equifax credit report, causing serious harm to my credit profile. 

I submitted the required documentation under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including an identity theft affidavit and supporting documents, requesting these accounts be blocked and deleted within 4 business days. Despite this, the accounts are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MI

Complaint narrative:
I do not know why these hard inquiries are still on my credit report. I have not been issued any credit from these inquiries. I have reported this problem multiple within the time frame to get these removed accordingly to the EQUAL CREDIT OPPORTUNITY ACT and there is still no change. None of these hard inquiries were removed after I reported them within the first week of being on my report. This is illegal and injustice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I do not know why these hard inquiries are still on my credit report. I have not been issued any credit from these inquiries. I have reported this problem multiple within the time frame to get these removed accordingly to the EQUAL CREDIT OPPORTUNITY ACT and there is still no change. None of these hard inquiries were removed after I reported them within the first week of being on my report. This is illegal and injustice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
To Whom It May Concern, I am writing regarding the recent dispute I filed with TransUnion concerning Account Number # : XXXX. As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable investigation and provide me with the supporting documentation used to verify the account. However, your response merely stated that the account was " verified '' without providing any evidence or details of the verification process. 

This failure to provide the required documentation or explain the procedure used is a violation of 15 U.S. Code 1681i ( a ) ( 6 ) and the FCRAs requirements for credit report investigations.

If this matter is not resolved promptly, I will have no choice but to pursue federal legal action in federal court for the violations of the FCRA, including seeking statutory damages, actual damages, and any other relief available. 

I am requesting the following : Immediate removal of the inaccurate information from my credit report.

Proper documentation of the verification process used for this account, including any supporting documents from the data furnisher. 
{>= $1,000,000} in compensation for the emotional distress, financial damages, and FCRA violations caused by this failure to comply with the law. 
If we can not reach a satisfactory resolution, I will proceed with filing a lawsuit in federal court to enforce my rights under the FCRA and seek full compensation for the harm caused by your actions. 

Please respond to this letter within 15 days to avoid further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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