vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : 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
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a mortgage loan. I was alerted by the lender that I had a collection on my credit report for {$4400.00}, which was opened on XX/XX/XXXX ( ironically my birth day and month ). I contacted the original loan company Checkngo, and advised them that this debt was not mine, and they indicated that they had no debt found with the information that I provided. I have not been contacted by the collection agency, XXXX XXXX XXXX. I have also filed an FTC packet. This error has NOT been removed from my credit report to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NY

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. 

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  and list of Inquiries. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We are filing a complaint regarding the decision to put our personal checking account on hold. We recently sold our home. We received the proceeds in a check made out to my husband and me, as trustees for our revocable family trust. Unaware of changes in regulations, we deposited this check into our personal checking account as we have done with 3 previous home sales. We have spent well over XXXX hours and have had 6 meetings with our local Chase Bank Personal Client Bankers as well as the Branch Manager over the past week attempting to rectify this horrible situation weve been put in. Were beginning to receive late notices for bills that we paid last week, have insurance premiums set up on autopay that cant be processed, etc. Weve had excellent credit ratings up until this debacle began last week. We believe there should be a thorough review and explanation of how and why the personal checking account was put on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance is tryna garnish my pay checks for a car that they sold years ago and I let them take the car I told em I couldnt pay for it anymore I couldnt afford it they took the car they sold it I moved on and years later they sending me a letter in the mail saying they are suing me then the saying if I dont make a payment of XXXX dollars then in 15 days they are gon na start garnishing my pay checks I have nothing I can barely afford to live Im catching the bus as we speak I just dont think this is right they been harassing me for the pass year and the pass couple weeks now I just want justice they car was XXXX and it was a XXXX  XXXX they ripped me off from the start it was my first time ever getting a car through them my first ever repossession and my last im on the bus and they still wont leave me alone they tryna get a money judgement in court to garnish my wages please get em to stop help me please

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 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I'm re-filling this complaint because CFPB closed out my prior complaint on XXXX  the same day the company responded without giving me 60 days to provide online feedback and reply to PNC Bank online as required by law. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here is my original complaint filed on XX/XX/XXXX ( complaint number XXXX ) I have an existing line of credit account that I've had at PNC bank XXXX XXXX. Then around XX/XX/XXXX, I applied by phone for a {$15000.00} line increase. PNC rejected my application for reasons that did not make sense with my credit history, so I applied for an appeal. I also sent a letter to PNC on XXXX XXXX XXXX requesting a copy of my original telephone application and the notes that were placed on my file because I suspect that the representative or the underwriter ( or someone ) wrote inaccurate information on my telephone application and file which caused my line increase application to get rejected. About a month later ( today XX/XX/XXXX ) I called PNC again and was told that my appeal application was denied but the representative would not tell me the reason ( XXXX ) why. The rep also refused to send me another denial letter for the appeal application and refuses to send me a copy of my original telephone application along with copies of the notes placed on my file for this line increase. PNC also won't mail the first rejection letter to my home and is now demanding that I go into the branch and receive it there. I also received a call from a PNC Case XXXX yesterday XXXX who demanded to know " what I wanted. '' I also told the XXXX XXXX I want a copy of my original telephone application and the notes on file for this line increase request and she also stated that she could not provide the documents to me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, PNC Bank " finally '' responded to my CFPB complaint and refused to acknowledge the reason why I disagreed with their denial, which was based on inaccurate information that is not contained in my credit file. Then PNC provided supporting documents that can not be opened because the files are corrupt. And PNC still refuses to provide copies of the telephone application and the notes associated with my application by saying " it's proprietary information '' even though, in a private email message PNC 's lying investigator ( XXXX XXXX ) sent to me on XXXX XXXX XXXX PNC stated by its own admission that it did not have a hard copy of the telephone application to give me, which violates Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXX rt by more a consumer to any consumer reporting agency it the pers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX applied for personal loan. was denied for XXXX score XXXX was told I needed a XXXX ran my credit. 3 times asked why no explanation. I have a XXXXXXXX XXXX. told wait until next month to reapply XXXX XXXX  denied. claim same score XXXX XXXX still XXXX. Told me was from XXXX gave me information to contact XXXX received credit report XXXX. 

XXXX late payments believe discrimination lying about XXXX score. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened this account in XXXX, XXXX. The first payment was due in XXXX & paid as agreed. There is no congruency between XXXX, XXXX XXXX XXXX. Per 15 USC 1681 ( FCRA ) states there must be pure accuracy in what is being reported. In my case, there is not. It is causing inaccuracies across all 3 of my report scores. I contacted Synchrony bank at the same time via mail on XX/XX/XXXX but have not received any correspondence to date.

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 2024-02-13 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: NY

Complaint narrative:
XXXX XXXX XXXXthis merchant is clearly not consistent with reporting my payment history of missed payment amount and percentages payment history as a TOTAL. XXXX and transunion are reporting XXXX different numbers under payment history. It should be XXXX percent.

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 2024-02-13 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: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX Account number : XXXX, I was a victim of identity theft.

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 2024-02-13 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: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX Account number : XXXX, I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief