vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My grandmother signed over a large check to me ( from the sell of her house- she is in a XXXX home ) I was told she would need to be on my account ( due to the amount- although she signed the check over to me ). I added my grandmother to my checking account via telephone ( as advised by customer service due to her health and unable to walk ), provided all documentation necessary to add her as a co-owner ( XXXX forms of ID ), we signed the signature card. After the XXXX business days AND the posting the check to my account, they put a hold on the remaining balance. Called customer service for days. Went in to the branch and found out it was because the branch scanned our signature card into the system versus being mailed in. The agent working with me at my local branch called me yesterday and said although I did everything correct by my bank rules that she decided NOT to release my balance unless I bring in my grandmother to the branch and we both resign the signature card that was just submitted to them XXXX weeks ago. My grandmother can NOT walk due to XXXX and XXXX. I informed them of this when adding her to my account which is why we needed XXXX forms of ID and to sign the signature card. Now my bank it holding my funds XXXX and I have bills that need to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unresolved Issues with Experian Credit Report Due to Blurry ID Upload I am writing to file a formal complaint regarding my ongoing issues with accessing my credit report through the Experian website. On XX/XX/year>, I uploaded my driver 's license as required to resolve this issue. Despite this, I am still unable to view my credit score or update my credit report. 

When I called Experian customer service, I was informed that my ID appears blurry. However, on my end, the image is clear. And after I have uploaded my ID a specialist updated my middle name which they got from my ID, so advising that the image is blurry is asinine. I have made multiple attempts to rectify this by calling their customer service. Unfortunately, I am continually directed to an automated system that only offers self-help options. There is no available prompt to speak directly with a representative, and each time I am rerouted, it returns me to the automated system. 

This situation is extremely frustrating and seems unfair, particularly as these issues only arose after I began disputing items on my credit report. I am seeking assistance from the CFPB to resolve this matter as quickly as possible.

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 2024-12-19 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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE NO OPEN ACCOUNTS WITH ANY OF THE FOLLOWING : XXXX XXXX XXXX, XXXX & XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX CO XX/XX/XXXX, XXXX XXXX XXXX CO XX/XX/XXXX, XXXX XXXX XXXX CO XX/XX/XXXX. FURTHERMORE, I HAVE NOT RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL NOR XXXX XXXX XXXX XXXX XXXX HAVE NOT USED THE NAMES OF XXXX XXXX XXXX NOR XXXX XXXX XXXX. I AM NOT EMPLOYED WITH XXXX XXXX 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 2024-12-19 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: TX

Complaint narrative:
Disputed Account Details : XXXX  XXXX XXXX Account Number XXXX XXXXAccount number incomplete not being reported on XXXX or XXXX and Transunion shows XXXX. Delete account for inaccurate reporting XXXXPayment History Inaccurate on the XXXX credit report XXXX reporting XXXX XXXX current XXXX current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Transunion reporting XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX reporting XXXX XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data. Delete account for inaccurate reporting XXXXDate Updated Inaccurate on the XXXX Credit reports XXXX shows XXXX XX/XX/XXXX. Transunion shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Delete account for inaccurate reporting XXXXCharge Off amount incorrect How is it that the account was charged off for {$1000.00} writen off but every month it went up and is now at {$1400.00} when the 1099 form shows {$1000.00} and this account is still being updated monthly. Delete account for inaccurate reporting I request that you kindly investigate this matter and delete the inaccurate information on my credit report. Please provide me with an updated report once the dispute has been resolved. 
Enclosed are copies of supporting documents that substantiate my claims. These documents include copy of the XXXX Credit Bureaus showing the differences. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the disputed information be investigated, corrected, and removed from my credit report if found to be inaccurate or unverifiable. 
Please inform me of the results of your investigation and any actions taken. I look forward to your prompt response.

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 2024-12-19 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:
Disputed Account Details : XXXX  XXXX XXXX Account Number XXXX XXXXAccount number incomplete not being reported on Experian or XXXX and XXXX shows XXXX. Delete account for inaccurate reporting XXXXPayment History Inaccurate on the XXXX credit report Experian reporting XXXX XXXX current XXXX current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX reporting XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX reporting XXXX XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data. Delete account for inaccurate reporting 3.Date Updated Inaccurate on the XXXX Credit reports Experian shows XXXX XX/XX/XXXX. XXXX shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Delete account for inaccurate reporting XXXXCharge Off amount incorrect How is it that the account was charged off for {$1000.00} writen off but every month it went up and is now at {$1400.00} when the 1099 form shows {$1000.00} and this account is still being updated monthly. Delete account for inaccurate reporting I request that you kindly investigate this matter and delete the inaccurate information on my credit report. Please provide me with an updated report once the dispute has been resolved. 
Enclosed are copies of supporting documents that substantiate my claims. These documents include copy of the XXXX Credit Bureaus showing the differences. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the disputed information be investigated, corrected, and removed from my credit report if found to be inaccurate or unverifiable. 
Please inform me of the results of your investigation and any actions taken. I look forward to your prompt response.

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 2024-12-19 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: MD

Complaint narrative:
In XX/XX/year>, I was in XXXX XXXX and unknown African-American ( AA ) female of about XXXX  years of age struck up a conversation with me, while I was XXXX  years of age. The unknown AA female offered to file me on her taxes for a fee and I agreed to the illegitimate transaction, due to my homeless status at that time. Years later, I was denied a XXXX XXXX XXXX XXXX telephone purchase, due to unlawful use of my name on various credit accounts possibly by this unknown AA female. I've also been denied rental options, due to unlawful use of my identity for credit, housing, college loans, bankruptcies, foreclosures, medical charges, auto loans, etc. I don't know this unknown AA female, but can you help me with addressing this issue and blocking this individual from continual misuse of my personal information. I have a housing voucher that I can't use at the present time, because when property owners run my credit check a long list of judgments are present. I'm stuck because I don't know the identity of this woman, who abused my naivete and blind trust. At that time, I was homeless and gullible for an opportunity to earn some money. Please help me.

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 2024-12-19 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts CREDIT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-12-19 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The items in question on my credit report are currently involved in pending litigation due to reporting errors. As a result, these items can not be verified during the litigation process. Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from a credit report.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to Equifax on XX/XX/XXXX asking for my personal information to be fixed as they were providing the wrong information, I also asked for an updated credit report with the updated information to be sent to my address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX which they didnt provide. 
I sent a second letter in XX/XX/XXXX requesting for the same information to be deleted and they still havent done anything, I also called in XX/XX/XXXX and was told the changes were made and my personal information was corrected, but I just got a new credit report and saw they still reporting wrong addresses on it. 

My ONLY and current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I DO NOT RECOGNIZE THESE XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since XX/XX/year> I was not able to view my credit report. I called Experian and they and submitted all my information for them to update my credit report and this has been going on every month since then. Till today I can not view my credit report with Experian. The only thing they did was mail me a credit report on 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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Just received a new Citibank credit card and setup/activated in app. Attempted to add to XXXX XXXX but it forced me to contact them to verify. They would not use my phone number on file to verify, said they have to use a different number or send me a letter. They said they sent a letter but then the app shows a fraud alert on my card. I call back and they said they cant discuss the account until I receive the letter. All of this took place on the morning of XX/XX/year>. I can provide any and all info to verify my identity and that I am the rightful cardholder but they choose rather to place me under fraud alert because I cant give them a number that I dont own? How does any of that make sense?

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 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax breech i was a part of, received email to activate a prepaid debit card/ followed instructions/ put on XXXX and XXXX did not work purchase was taken from my checking account/ no customer service at prepaid site calling was a recording/ called XXXX XXXX  who issued the card/ only usable on XXXX XXXX  only/ that also did not work/ said only certain stores are available for use of this card/ sent me a list of stores/ could not even open the email Code was wrong/ this is a whole hearted scam! Equifax designed this card to be unusable in every way/ i asked for a check they refused : its a useless card designed to frustrate and you need to jump hoops for hours no site customer service i have been dealing with this for XXXX hours - does not work at XXXX, XXXX, XXXX yet only for online use it does not accept those stores! How do you get the money Owed to you? You dont!! Equifax really doesnt want you to get it! They want you to make it so incredibly difficult youll give up, Im reporting this idiotic prepaid card that does not work anywhere and site is un navigable to the extreme they dont have to pay! I want a check sent to me a payment not in imaginary form but a real one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
After multiple submissions of identity theft reports to both your bureau and other regulatory entities, I am disheartened to find fraudulent accounts still listed on my credit report. Despite my detailed communications, these entries persist, further exacerbating the harm caused by this theft. 

The following accounts are not legitimate and have been reported as fraudulent : XXXX XXXX  ( original creditor : XXXX XXXX  ), XXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX. 

Their continued presence undermines my efforts to restore financial stability. This issue has been repeatedly brought to attention, yet the resolution remains inadequate. I trust your bureau will take immediate action to address this matter effectively

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 2024-12-19 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:
After multiple submissions of identity theft reports to both your bureau and other regulatory entities, I am disheartened to find fraudulent accounts still listed on my credit report. Despite my detailed communications, these entries persist, further exacerbating the harm caused by this theft. 

The following accounts are not legitimate and have been reported as fraudulent : XXXX XXXX  ( original creditor : XXXX BANK ), Achieve Personal Loans, XXXX XXXX, XXXX, and XXXX. 

Their continued presence undermines my efforts to restore financial stability. This issue has been repeatedly brought to attention, yet the resolution remains inadequate. I trust your bureau will take immediate action to address this matter effectively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I was in complete shock when I discovered inaccurate accounts on my credit report. These accounts have been dragging down my credit score, and I cant believe how much damage theyve caused.

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 2024-12-19 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : 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 2024-12-19 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: NY

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