vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: NC

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, NY XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX EQUIFAX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: VA

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 on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC systems XXXXXXXX XXXX No date provided Fraudulent charges, debt on my credit report is not my responsibility with IC systems. I have no knowledge of this debt until I reviewed my credit report. I have no contract with IC systems and myself. No original contract provided before reporting to credit agency. I am revoking all harassing calls text email at this point, no future harassment because of my complaint with CFPB regarding violations of listed consumer laws.12CFR1006.34 ( b ) ( 5 ) 121CFR100634 ( c ) ( 4 ) ( i ) 12CFR1006.34 ( d ) 15USC1681-S2 ( 7 ) ( a ) I want this defamation of my character 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 2024-03-16 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: ME

Complaint narrative:
i have been making a repeated dispute with transunion cause they have not been reporting correctly. ive viewed both my other credit reports and they are XXXX points different. the most recent thing that happened was one of my credit cards showed the balance decreased and very similarly reported to XXXX. XXXX my score went up XXXX points, transunion reports a XXXX point decrease which is completely unwarranted. 

i reached out to their support and got a rude response, and i was unable to get my credit report through the online XXXX. they report chat open till XXXX XXXX est and after i ended my chat cause of that rudeness they marked chat closed.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: WA

Complaint narrative:
On XX/XX/XXXX at around XXXX p.m. my Found Business Banking debit card was used at XXXX for the amount of {$530.00}. I realize this happened minutes later and within XXXX hours I had reported it to the bank. I tried to get them on the phone they did not answer so I was forced to report it online. This was on a Friday I did not get any response from them so I reached out and over the course of the next XXXX weeks try to contact them several times before I finally got a response saying that my dispute had been rejected because a pin had been used during the transaction. This is impossible for XXXX reasons number XXXX being that I've never given anyone my PIN. Secondly, anytime I have used this card it has never asked me for a pin it has always automatically gone through as credit. After doing some research online I have discovered this has been an ongoing problem with this bank and these " debit '' cards for at least 3 years. I have tried by every means possible to get back in contact with found bank so that they could provide me with any information about the steps they took in this investigation as well as the information that was provided to them that a pin was used. I know the exact store time amount and even the register number at the store of this transaction. I have also contacted XXXX who has a XXXX liability policy which states that as long as I have used reasonable protection of my card, which I have, and I reported it immediately, which I did, I am not liable for this transaction and the bank needs to refund my money. I have tried several times with XXXX on a three-way call to get through to found the bank to know avail. My card should not have been able to have been used without my pin and I am owed my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-16 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: CL Holdings LLC
State: IN

Complaint narrative:
Accounts not mine ask for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Today ( XX/XX/2024 ), I tried to apply for a loan called XXXX XXXX XXXX on MoneyLion. When I applied for this loan, a pop-up message came up that states that MoneyLion couldnt identify my identity. I thought this was weird because I had already applied successfully for this loan six times before without any issues. Once I got this pop-up message, I contacted support twice and they told me that MoneyLion couldnt verify my identity because my so-called public profiles didnt match some of my personal information on MoneyLion. After that I told them to tell me what public profiles were they talking about. They said that they couldnt disclosed that information. Also, they said that there wasnt another way to verify my identity. After this, they ended the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: PNC Bank N.A.
State: MD

Complaint narrative:
I contacted PNC Bank multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with non-affiliates like XXXX XXXX XXXX without my permission or consent. They have shared XXXX checking and savings account and XXXX of my transactions from XXXX account and the status. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/mental and spiritual health issues. PNCs privacy policy clearly states that they do not share my information with non-affiliates and that their only affiliates are : PNC Bank XXXX XXXX XXXX  ; PNC Investments , LLC ; PNC XXXX XXXX, XXXX ; PNC XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; PNC Delaware Trust Company ; PNC XXXX  XXXX XXXX ; PNC XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2024-03-16 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: GA

Complaint narrative:
Today, I am uploading this immediate follow-up to address an ongoing issue of being victimized by fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies are mandated to eliminate any items delineated in an identity theft report, bearing reference number XXXX. Enclosed are documents aimed at facilitating the removal of incorrect personal information and inquiries erroneously recorded on my report. Below is an inventory of items opened without my authorization : EXPERIAN : 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. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to remove any items from a consumer 's file that the consumer identifies as resulting from alleged fraudulent activity, no later than 4 business days following receipt of such a claim.

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 2024-03-16 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX placed an account ending in XXXX with Transunion that was in repayment plan with XXXX. This creditor decrease my credit score in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/2024. The creditor action with Transunion was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau Transunion today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor XXXX XXXX XXXX XXXX started to take the payments out on the XXXX and XXXX of XX/XX/2024 earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made agreed payment as a with agreement not to be placed as a collection with payment plan. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/2024. .This creditor should have given me enough time to pay off the debt. They just wanted to ruin my credit on purpose as a way to discriminate and be unfair towards me based on using my credit report. I called this creditor and they will not answer my phone calls because they know they violated my rights based on FCRA rules. This creditor didnt send me any notice they just reported information to be malicious.

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 2024-03-16 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2024-03-16 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN BANCSHARES MORTGAGE, LLC
State: FL

Complaint narrative:
On XXXX, I have contacted the loss mitigation department for American bancshares to assist with unblocking my online account that is blocked from making payments due to being in the state program and receiving state funds from XXXX. The state stopped making payments in XXXX and I have contacted Americbanc shares to inform that I am trying to make my mortgage payment for XXXX and refuse to pay the fee for making the payment over the phone when online its free. My mortgage payment is late after today XX/XX/15 and no resolution. I have called multiple times today to the department and call gets disconnected or there was a large call volume. The several agents that I have spoken to have informed me to allow XXXX business days since I told them that the state stopped making payments and its past that time frame and my account is still blocked. I have requested to speak to a supervisor several times and keep being told that one will call me back but never do. It is very frustrating and upsetting that in order for me to get some type of resolution with my mortgage lender, I have to make a claim through the consumer finance because nobody in XXXX XXXX shares wants to help or find a resolution to ensure that I can make my payment on time. Instead, I feel that they would rather try to charge me a late fee when on XX/XX/15, I have been unsuccessful trying to get someone on the line to assist. It is a headache dealing with this mortgage company that can never provide any resolution and dont care about their clients or customers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX  XXXX XXXX XXXX  Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX  or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXXXXXX XXXX XXXX XXXX  is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-03-16 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I contacted XXXX XXXX  multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with non-affiliates like Early Warning Services without my permission or consent. They have shared 3 checking and savings account and 3 of my transactions from 1 account and the status. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/XXXX XXXX XXXX  health issues. XXXX  privacy policy clearly states that they do not share my information with non-affiliates and that their only affiliates are : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: DISCOVER BANK
State: MN

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions under 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.

Company response to consumer: Closed with explanation