vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXXXXXX 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 XXXXXX/XX/XXXX The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct # XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct # XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I submitted documents to early warning services about the bank account open in my name at XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I already mailed to early warning services a month ago including a police report, fraud adavitt, and signatures of mine notarized and sent to early warning services they did the investigation and found it was accurate. This was not right. I am not the owner of this account it was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: AZ

Complaint narrative:
I applied for a loan online which was sent to multiple lenders. Upon opening my email there was a approval from MintoMoney. I open the email it brought me to the award page it has me click three boxes and then all the sudden I was signing documents for a loan that I did not even see the APR for. It turns out it's 797 %. I don't have bad credit by the way, actually I have a lot of accounts in good standing. But anyways they want to withdrawal over {$340.00} bi-weekly from my checking account. That's about {$700.00} a month. I can not afford this obviously. And I only took out the loan a week ago. Am I supposed to pay back the loan with the money they gave me? because I haven't had time to even come up with {$340.00} for the repayment. I revoked ACH authorization for my bank account and will send them payments when I can. They confirmed via email that it has processed and is canceled. Today I got a notice from MintoMoney of insufficient funds, my bank denied their debit. They will be charging me and non-sufficient funds fee and a late fee. I received a message from MintoMoney to give them a call to discuss my situation because I had already expressed to them my issue. I called back, the agent said that my ACH has been revoked and the issue has been taken care of. I told her that I don't think that is why they left me the message. She advised it has been taken care of. That was the end of the conversation I haven't heard back from them except for the email today; trying to debit my checking account even though I revoked their permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2023 XXXX XXXX BANK OF AMERICA ILLINOIS XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe to your bank. I am not refusing to pay, but am notifying you that I am disputing your claim. I am requesting validation, as it is my right according to the Fair Debt Collection Practices Act. Please be aware that I am requesting validation ; specifically, competent evidence bearing my signature and showing that I have a contractual obligation to pay you the amount you claim I owe. I am putting you on notice that any negative mark found on any of my consumer reports ( including XXXX XXXX  credit reports ) from your company, or any company that you represent for a debt that you can not verify that I actually owe is a violation of the Fair Credit Reporting Act. Therefore if you can not validate the debt, you must request that all credit reporting agencies delete your entry from my XXXX XXXX system report. Pending the outcome of my investigation of any correspondence or evidence that you submit, you are instructed to take no further action that could be detrimental to any of my consumer reports. If you can not prove that you still own this alleged debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX LAST 4 SSN : 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance wit the Fair Credit Reporting Act ; MN XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: AR

Complaint narrative:
Lexis Nexis is refusing to move car insurance records that are not mine. I called at the beginning of XXXX and disputed these items but Lexis Nexis is stating they are accurate when they are not. They are unable to tell me how these records were verified. My entire report is full of incorrect information including addresses, names, and phone numbers. I am still waiting on the results from the personal information disputes. Obviously I have been mixed up with a person with a similar name. Here are the inaccurate records that need to be removed : -Record 1 XXXX XXXXXXXX XXXX XXXX- I never owned a XXXX XXXX. This record is not mine. 

-Record 2 XXXX XXXX XXXX This policy states my gender as " XXXX  '' and I never owned a XXXX XXXX or XXXX XXXX XXXX This record is not mine. 

-Record 3 XXXX XXXX XXXX - This record is not mine. I did not own this vehicle. 

-Record 4 XXXX XXXX XXXX  - I have never been associated with a person named XXXX XXXX XXXX I did not own a XXXX XXXX. 

-Record 5 XXXX XXXX XXXX  - I have never owned a XXXX XXXX. This record is not mine. 

XXXXRecord 7 XXXX XXXX XXXX  - I have never been associated with a person named XXXX XXXX XXXX I have never owned a XXXX XXXX. This record is not mine. 


Remove the incorrect information from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
It started on XX/XX/XXXX and XXXX my account was double charged of {$47.00} by XXXX credit. I disputed the transaction because I only suppose to pay once a month {$47.00} XXXX. Now I decided to do bill pay to pay the {$47.00} XXXX XXXX credit on XX/XX/XXXX which is the payment obligation. 

Now with XXXX XXXX XXXX I only suppose to pay {$10.00} a month and tried to do it by bill pay and it was returned. I called the manager of the call center PNC Bank name XXXX and I explained to her that I paid by XXXX and put the money in the reserve account and she acted very rudely. Even though I put the money to cover the payment on the other account which is the reserve account PNC returned the 4payment on XX/XX/2023. So I made a payment from another account which it was paid. Now I see that PNC has a pending transaction from the return payment on XX/XX/2023, which I already paid. I will be disputing that charge because I already paid it. I changed bill pay from reserve account to regular checking account. 

I find it difficult to communicate with PNC after speaking with the manager XXXX at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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:
These inquiries on my Experian credit report I don't recognize. 


XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} - You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} - You are presenting data that is distinct from that of other bureaus. I always make my payments on schedule and this account has never been late. At your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate. 

XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00} - You are reporting data that is distinct from that of other bureaus. In my opinion, I was on time on the dates you're mentioning. I never miss a payment because I always pay on time. According to FCRA, reporting must be completely correct, or the data must be amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$750.00} ; 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 explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I saw a collection on all 3 credit bureaus on my report from CONSUMER ADJUSTMENT for {$550.00}. I did not get any type of letter from CONSUMER ADJUSTMENT letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had an accident with pnc bank money was continuously missing it was said peoples accounts were being hacked even though I had my debt card they told me the transaction was go old I didnt report it in time well I didnt know what was going on transactions I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance wit the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation