vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : DISCOVER BANK Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I was contacted by a scam from Huntington bank. Once I received the scam text I contacted the bank they informed me that the number was inaccurate and was not affiliated with Huntington bank. Two days later I got two unauthorized transaction on my account. I contacted Huntington they reversed the transaction. 1 week later they sent a letter stating the information I gave was inconsistent with the investigation when they didnt even reach back out to me about the incident. They continued to go back and withdraw the money out of my account even after I shut the card down and made a police report and now no one is answering or returning my phone calls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
In XXXX of 2024 I started receiving phone calls about a collections that I am unaware of. This collections has since been placed on my credit report. I have been a victim of Identity theft for many years due to a lost wallet at a truck stop and subsequent data breaches. I have no knowledge of this debt. I have challenged it will the credit bureaus and put a fraud alert on my credit report again.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
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 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: KY

Complaint narrative:
I found incorrect details about some accounts that are causing my score to drop unnecessarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I had a fraud incident occur on XX/XX/XXXX where {$450.00} of my funds were moved out of my American Express XXXX XXXX preferred credit card and sent to a person I do not know via XXXX via an American Express XXXX XXXX XXXX account. Immediately I created a case with American Express on that day noting that it was a fraud incident. American Express mentioned they would initiate a fraud review process but could not confirm when I would hear back on a resolution but they did confirm on a recorded line that they started a fraud review case. I then changed my login for my various American Express accounts and had a new credit card issued to replace my existing compromised one. Some of the stolen funds were not transferred out of my XXXX XXXX  XXXX account and remained there, which were returned to me which makes the total amount taken from me {$400.00}, which I have yet to be reimbursed for. I checked again in two weeks and spoke to someone who shared that notice would be provided " soon ''. After calling a third time on XX/XX/XXXX, I found out that a case had not been instituted despite American Express claiming as such, and they opened a new case, claiming they were not able to find the previous one. I called them earlier today to share the news that XXXX had completed their separate investigation and confirmed that the transaction was fraudulent and likely entailed identity theft. XXXX instructed me to confirm with American Express as such, that fraud did occur and to initiate a chargeback. After calling American Express earlier today, they said that I would have to wait a month to have a verdict on the fraud instance, despite XXXX confirming that fraud did occur and American Express " investigating '' and knowing about this fraud situation for well over a month and a half. Not only has American Express failed to update me on the status of my fraud situation, but they have misplaced a preexisting fraud investigative case that was recorded and made me wait over a month and a half with no progress. My interactions with American Express have summarily been incredibly unsatisfactory and disappointing.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnisher of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute 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 explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am being mistaken for another person whom a collection on my credit belong to I need this to please be corrected ASAP it is causng a lot of damages to my personal and financial life.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI Bank as of today XXXX they still claiming they need to speak with my client which they have. They have cashed the check ( money was withdrawn from my clients account 45days ago ) and have over 45 days with my money on their hands. Account and all transactions are legit, I have contracts and the owner of the XXXX account has validated this transaction several times. 

I need my money back. How is a bank allowed to steal money from a person and nothing is done. If they do not provide me with my money I will contact XXXX responde and local news. So people can see what a horrible service this bank has! 

YOUR 1st COMPLAINT On XXXX XXXX I deposited a check on my business account from XXXX XXXX  from one of my clients XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for the amount of {$4600.00}. At that moment Citi Bank decided to freeze my account stating they needed to verify the legitimacy of the check. They first requested 24-48 Hours. after this time frame when I went to the bank on XXXX they closed my account and stated I needed to wait from 30 to 60 days to return my money. Citi Bank has already confirm this check via Phone and funds have been taken from my clients account. XXXX XXXX account Manager XXXX XXXX XXXX XXXX XXXX The owner of the account went to Citi bank ( XXXX ) and they stated that since he did not had an account they could not help him. In the mean time Citi bank is holding money that does not belong to them with no other excuse but to state that they needed verification. I have provided all information and can not wait 30 to 60 days for this bank to return my money. They are playing with clients money and placing employees and companies at risk.

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: NJ

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 XXXX 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 explanation
Consumer complaint received 2025-01-07 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/LEADBA # XXXX Account Name : XXXX XXXX XXXX #XX/XX/XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I made a payment in XXXX before I was laid off from my job and looking for a new one and notified the bank that I may fall behind a month while I was switching jobs. Switching jobs took me two months. They refuse to make it financially possible for me to catch up and even denied allowing me to make a payment at one time. Also denied me the opportunity for settlement when I asked them about that. I have also requested validation of this debt such as identifying factors and all customer service fraud department and other call request from me as from XXXX to XXXX I called XXXX XXXX XXXXXXXX probably over 20 times and Was More than one occasion outsourced to a different countries call center who demanded me to give them my credit card number and my Social Security so I disconnected. Months later, I was able to finally reach somebody in XXXX. Still just demanded that I paid the full balance And insisted that was all they could do for me, even though my credit information was at stake due to them outsourcing Their Work. I have made about four payments on this credit card in the past six months. They close the account in XXXX. And I didnt know it until close to XXXX. And in XX/XX/XXXX They notified me via email that they would be closing the account soon if I didnt pay everything in full by the last day of the month. This is fraud. I am a single mother, and I have worked very hard on my credit. XXXX XXXX XXXXXXXX credit card Is a scam. I have verbally requested validation of the debt at least four times. Two times through the credit bureau and twice over the phone the last time being about two months ago. Never received correspondence and had verified my contact information

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 2025-01-07 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: MI

Complaint narrative:
Please see attached file these creditors are oppressing and harassing Im asking CFPB to have these companies submit there 1099-C forms immediately I am not paying these debts and not to start a 30 day complaint but to submit 1099-C for taxes that they have already claimed as a lost and have had insurance on that debt but is still trying to collect which is fraud.

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was scammed. I received a call from XX/XX/XXXX XXXX XXXX, caller ID showed XXXX. I was told that my account was a victim of fraud and we needed to transfer money from my checking to my savings account to protect my balance. If I didnt act right away it would take weeks to file for fraud and get my money back. They were very credible and applied pressure so unfortunately I believed it. I was asked to transfer money from myXX/XX/XXXXXXXX XXXX checking account and they said look you are the recipient of the transfer so you know the money is going to you. After that they said they would send me an email to confirm. When I checked my email 2 hours later I seen several fraud alerts. When I called XX/XX/XXXXXXXX they said they never called me and I was scammed. At that moment I requested to freeze the account and filed fraud and scam claims. At that moment the wire was pending and was put on hold. I contacted PNC Bank and they didnt want to help me get any information or try to resolve it. XX/XX/XXXX XXXX XXXX had to re file a claim on XX/XX/year> because they said the wire transfer of {$1500.00} was file incorrectly it should had been filed under scam. XX/XX/XXXXXXXX XXXX has said that they are trying to get PNC to respond and the claim is still pending. PNC has failed to respond. I am concerned there might be an open account under my name or they might use a fake ID with my information to collect the funds I sent with my name as the recipient. I didnt create any account at PNC and have not given them my information. or I am concerned of possibly being a victim of identity theft. It has been more then 30 days since the incident happened and now Im stressing and struggling to pay my bills. I am a single mother and dont have or make a lot of money. This is all I had to get through the holidays and now Im in a bind and hardship. I would appreciate if PNC would help facilitate the process and do a proper investigation of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX WA # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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