vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: TX

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 XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXXXXXX balance {$1700.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 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 2023-12-21 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: Experian Information Solutions Inc.
State: TX

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 XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF EDXXXX. Account # XXXX balance XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$1700.00} Account Name : DEPT OF EDXXXX. Account # XXXX {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Account # XXXX Account Name : CAPITAL XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: NV

Complaint narrative:
XXXX XXXX 2023 I attempted to set up payments to XXXX per month with PNC, my loan servicer. They made this process extremely hard as they would only do it through regular XXXX mail. Also, they wanted an extra payment made up front. I obliged as I have read that making half of the payment earlier in the month and the remainder later will pay off your mortgage quicker as you are paying some principle and all interest with each payment. So I go through the process and get it set up. First month was XX/XX/2023 for this to go through. 

On XX/XX/2023 I get on to my online account and see that they have only been applying payment once a month. Basically, they take the first payment and wait til the second to make an entry which defeats the entire purpose of setting up payments this way. I feel like I am being robbed. 

Attached is the ledger of transactions that they have posted on my account showing them accepting money but only applying it to the principle and interest once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I trust this letter finds you ready to address a matter of significant urgency concerning the integrity of my credit report. However, given the gravity of the situation, trust and patience are virtues I can no longer afford. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I recently obtained a copy of my credit report and was appalled to discover the presence of blatantly fraudulent accounts that have maliciously marred my financial standing. The accounts in question, detailed below, are utterly fictitious and were not initiated or authorized by me : XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

Let me be unequivocally clear : I did not open, request, or participate in any financial dealings with the aforementioned creditor. These entries are the result of a malicious act that has compromised my identity and wreaked havoc on my financial reputation. 

I demand an immediate and exhaustive investigation into this matter, and I insist that you take swift and decisive action to purge these fraudulent accounts from my credit report with immediate effect. The impact of these spurious entries on my creditworthiness is not only a gross violation of my financial standing but also an egregious affront to the principles of fairness and accuracy that should define the credit reporting system. 

I expect nothing short of an aggressive pursuit of the truth and an unwavering commitment to rectifying this grave error. The clock is ticking, and the longer these fictitious accounts persist on my credit report, the greater the damage to my financial credibility and the more severe the consequences for those responsible. 

I demand a written response within 15 days outlining the steps being taken to rectify this situation, as well as a detailed plan for the swift removal of these fraudulent accounts. Failure to meet this deadline will leave me with no choice but to pursue legal remedies available to me under the Fair Credit Reporting Act ( FCRA ). 

This is not a plea for your assistance ; it is a demand for the immediate restoration of justice and accuracy to my credit report. I trust that you comprehend the urgency and severity of this matter and will act accordingly. 

I await your prompt and decisive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I believe the account is invalid. UPSTART needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. UPSTART NETWORK INCXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. This is effective IMMEDIATELY, and INDEFINITELY.

My consumer report does not report pure accuracy, lacks permissible purpose, shows non-mailable addresses, misspellings of my name, shows credit transaction history, and shows my personal private information. 
XXXXXXXX XXXX XXXXXXXX

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 2023-12-21 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: IL

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$870.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX XXXX : {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I believe the account is invalid. US BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. US Bank 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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I believe the account is invalid. CAPITAL ONE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ONE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting Act(FCRA), Privacy Act of 1974, and Equal Credit Opportunity Act(ECOA), Trans Union is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), transunion is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of 1974 in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of 1934 This rule requires directors and Section 16 o

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 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing AGAIN to express my deep frustration and annoyance regarding the inaccurate reporting of an account on my credit file. It is disheartening that your bureau has not followed suit with its counterparts in promptly addressing and rectifying this matter. The account in question pertains to XXXX XXXX XXXX XXXX, with the account number XXXX and an open date of XXXX/XXXX/2014. Astonishingly, while XXXX and XXXX have acknowledged and rectified the inaccuracies related to this account, your bureau persists in reporting it erroneously. I want to emphasize that, as the victim of identity theft, it is perplexing why your bureau has not complied with the law in promptly addressing and rectifying the reporting errors. The law mandates accurate reporting, and it is both confusing and frustrating that your bureau seems to be an exception. XXXX and XXXX have already acknowledged the error in reporting this account and have taken corrective action. I am bewildered by the apparent lack of verification on your end, especially when other major credit bureaus have successfully addressed this issue. I am ANNOYED by the continued disregard for my rights as a consumer and the persistent failure to comply with reasonable requests for accurate reporting. This issue has caused me extreme frustration, and I insist on a swift resolution to rectify the inaccuracies related to the XXXX XXXX XXXX XXXX account on my 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 explanation
Consumer complaint received 2023-12-21 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NJ

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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