vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, my employer made a payroll deposit of {$5000.00} via XXXX to my PNC checking account. As of XXXX XXXX on XX/XX/XXXX, those funds are still not available to me. I have received no communication via email, text or the postal service. 

I have called on multiple occasions and the " right department '' to help me has been closed or not available. I have been advised to " call back later '' with no explanation for why the funds have not been made available according to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at Equifax and other institutions my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent. I have never given written consent therefore this is also identity theft also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
On two occasions in the month of XXXX and Currently XXXX, Experian is reporting 30 day late payments for XXXX XXXX Bank on my credit when my payment due XX/XX/XXXX was made XX/XX/XXXX and again when my XXXX payment is now reporting 30 days late when it only became due on XX/XX/XXXX and I paid XXXX XXXX XXXX, Experian refuses to answer my calls and. resolve the issue. Experian has reported in correct information several times to my credit report causing my score to drop more than XXXX points more than one time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally notify you that several accounts have been opened in my name with your company without my consent or authorization. Upon reviewing my credit report, I discovered 3 accounts associated with Affirm Inc. that I did not apply for or approve. This constitutes unauthorized use of my credit and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Under FCRA Section 605B, once I report fraudulent use of my personal information, you are legally required to block or remove any fraudulent accounts that were opened without my authorization. I am exercising my rights under the FCRA and demand that you immediately remove or block these unauthorized accounts from my credit history within 4 business days of receiving this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I checked into the XXXX XXXX XXXX in XXXX, NJ for a room I had prepaid for and booked through an app called XXXX XXXX. The reservation was entirely prepaid, there was no additional costs to pay for the booking of the room. I provided my debit card for the {$50.00} incidental fee. The hotel charged my debit card the {$50.00} fee at the time of check in. 

I checked out of the hotel on XX/XX/XXXX without issue. The next morning, XX/XX/XXXX, I received a notification that the XXXX XXXX had debited {$520.00} from my debit card without cause or explanation. I immediately called the hotel, spoke to a manager named XXXX, and he gave no explanation why the charge occurred, but he assured me they would resolve the issue. I spoke with XXXX XXXX support, they also confirmed with XXXX and the hotel 's General Manager XXXX that the erroneous amount had been reversed. I called XXXX directly and confirmed as well that he had reversed the charge. He and XXXX XXXX gave me several assurances that the charge would disappear from my account within 5-6 business days.

After 6 business days passed, I reached out to Sofi support to follow up on the charge, as it was still there and still marked as Pending in my account. They informed me that the charge would not be released until XX/XX/XXXX, and that there was nothing I can do. 

After consulting with an attorney, I gathered documentation and sent a Demand Letter to XXXX and the XXXX XXXX demanding prompt action on the issue, cc'ing Hotel XXXX and Sofi Support. XXXX quickly responded providing information that documented the reversal of the charges on my debit card. I provided this documentation to Sofi, but they insisted that the issue was strictly a merchant-side issue and there was nothing they could do. 

After communicating with both XXXX XXXX and Sofi, I am still left with these funds on hold, unable to access them ostensibly until XX/XX/XXXX. XXXX XXXX 's position is that they have done all that they can to reverse the charge, and that Sofi is in the wrong by not releasing the funds. Sofi is insisting that they are unable to do anything to release the funds, and that the void authorization number provided by the hotel ( XXXX ) is useless to them and verifies nothing. 

Upon pressing XXXX to verify the void with XXXX directly, I received no help, and the issue is now at an impasse. Both sides blame each other, and claim to be unable to proceed any further. Currently the only option provided to me by my bank is to wait until the hold is released on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to report an identity theft issue on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit accounts. I have taken steps to address these issues including contacting the credit bureaus to dispute these inaccuracies and also placing a fraud alert on my file. Please advise on the next steps to rectify. Accounts inquiries were removed but not the actual fraudulent accounts. This is the account XXXX XXXX  XXXX - XXXX - {$3700.00}.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to report an identity theft issue on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit accounts. I have taken steps to address these issues including contacting the credit bureaus to dispute these inaccuracies and also placing a fraud alert on my file. Please advise on the next steps to rectify. Accounts inquiries were removed but not the actual fraudulent accounts. This is the account XXXX XXXX XXXX - XXXX - {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Since it is the beginning of the year, I was pulling my credit report and found that there are some inaccurate personal information thats being reported and listed. I would like for Experian to correct this information so only accurate and correct Personal identifiers be showing on my credit file. There are numerous variations of my name which should not be listed, dates of birth as well as employers. This information needs to be corrected IMMEDIATELY! Listing inaccurate information is a violation and needs to be fixed to maintain 100 % accuracy on my report for credit worthiness and no mistakes being made as far as identity is concerned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital is garnishing my wages on a debt that they claim is mine. I was not notified of any court dates. I contacted them to get more information. They told me no, that I can go to court of if in want because they have proof of delivery on a summons. This company is a fraud they do this alot. I let them get away with it the first time, but this time I am standing up for my legal rights. They do not serve people and automatically get default judgements because the defendant is never notified of any hearings. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws by Lloyd & Mcdaniel. 

On [ date ], I received correspondence from [ Name of Company ] regarding an alleged debt. I have never conducted business with this company, nor have I incurred any debt with them. Concerned about the legitimacy of this claim, I promptly sent a written verification request to Lloyd & Mcdaniel on XXXXXXXX XXXX XXXX, in accordance with my rights under the FCRA ( 15 U.S.C. 1681g ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

In my letter, I requested the following : 1. Detailed account information : The original creditors name, address, and account number associated with the debt. 
2. Proof of debt validation : A copy of the original agreement or contract demonstrating my obligation to pay the stated amount with my wet signature.

3. Complete payment history : An itemized statement of the debt, including the original amount, any interest, fees, or other charges, and how the total amount was calculated. 
4. Verification of your authority : Documentation demonstrating your legal authority to collect this debt, such as proof of assignment, transfer, or account ownership.

5. Verification of my liability : Evidence that this debt is validly associated with me, including dates of account activity and any records proving that I agreed to the terms of this account.

Under the provisions of the FCRA and FDCPA : FCRA, 15 U.S.C. 1681g ( a ) : I am entitled to clear and accurate information related to any claims against me.

FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until the debt is validated.

Failure to comply with these statutes constitutes a violation of my consumer rights. 

I respectfully request the CFPB to investigate this matter and ensure that [ Name of Company ] is held accountable for their practices. Additionally, I request that the CFPB ensures : The alleged debt is verified or invalidated.

The company ceases any further collection attempts unless they comply with federal law.

Any necessary corrective action is taken to prevent such occurrences in the future.

I have attached copies of the original correspondence from [ Name of Company ], my verification request, and proof of delivery ( certified mail receipt ) for your reference. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

Company response to consumer: Closed with explanation