vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have recently looked at my credit report throughTransunion and noticed that I had XXXX hard inquiries that did not contain permissible purpose. I have attached evidence to this complaint. 

XXXX. ( XXXX XXXX XXXXXX/XX/XXXX ) : this inquiry has no permissible to be on my report. Please delete this inquiry due to a violation of 15 USC 1681b. 
XXXX. ( XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ) : this inquiry has no permissible to be on my report. Please delete this inquiry due to a violation of 15 USC 1681b 3. ( XXXX XXXXXXXX XX/XX/XXXX ) : this inquiry has no permissible to be on my report. Please delete this inquiry due to a violation of 15 USC 1681b

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 2024-07-25 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: NY

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have contacted XXXX, XXXX, and XXXX about numerous inquiries made using my social security number that were not made by me. I requested that these inquiries be removed and that my credit be frozen. I have also reported this information to the companies and informed them that they need to verify the identity of the person using my information, as that person had a fake ID pretending to be me. Additionally, I have filed a report with the FTC and have a reference number XXXX. However, nothing has been done about the credit inquiries, and the companies have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted XXXX, XXXX, and XXXX about numerous inquiries made using my social security number that were not made by me. I requested that these inquiries be removed and that my credit be frozen. I have also reported this information to the companies and informed them that they need to verify the identity of the person using my information, as that person had a fake ID pretending to be me. Additionally, I have filed a report with the FTC and have a reference number XXXX. However, nothing has been done about the credit inquiries, and the companies have not responded at all.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
-I have been with PNC for almost a decade. 
-I keep money in my account, but I am a student and low income and my place of employment suffered a catastrophic fire earlier this year, harming my income more. 

-Earlier this year I was charged {$72.00} ( $ XXXX ) in overdraft fees for a very small overdraft that was corrected mere minutes after the deadline. I had not received a courtesy refunds that year. I called and my request for refund was denied and I was not given a reason. I requested to escalate the case and no one ever responded to me. As a consequence of this, I have been financially stressed and had to work harder to make ends meet instead of using that {$72.00} to make necessary payments and purchases like food and water. 

-Two weekends ago the PNC XXXX malfunctioned. I could not access my account balance and what was shown was inaccurate. I had no idea my account overdrafted due to an extra automated payment. I had no idea until the app caught up and I found out I was charged another {$72.00} in overdraft fees, which officially put me in debt. I called PNC and they refused to refund me that amount, and instead chose to refund {$14.00} in monthly service fees I never asked them to refund. I requested that my concern be escalated and the corporate representative took over a week to make contact with me. At that time they told me they still couldnt waive the overdraft fees and claimed it was because I already had a refund, referring to the {$14.00} in service fees I never asked to be refunded. And prior to that, I had no recent refund requests. 

PNC continues to take advantage of their clients and punish them for their impoverished circumstances. It is already enough to be charged {$7.00} every month for not having a specific amount of a specific kind of deposit. It is so much worse to have even a small overdraft charged {$36.00}, which is already a lot, but theres no cap and no mercy, so the next day if you dont catch it is nearly {$100.00} and increases every day. 
I am struggling and PNC shows no mercy nor compassion. I am now trying to recover from a {$140.00} loss, with an income of less than $ XXXX. 
Especially in the last case I had no knowledge of the overdraft fees. I had no knowledge my account was overdrafted. And I was blindsided by a charge of {$72.00} and now I can afford food or basic necessities for a couple weeks. I have exhausted all options I know of to try to get them to work with me. 
At this point I am strongly considering closing my account and going with another financial institution. 

Document attached is a screenshot of the last overdraft. At the bottom You can see there is a XXXX ( XXXX ) day gap between the last day my account balance showed and then all the overdraft fees hit. At this time I was unable to access my balance and was consequently unaware of the overdraft and unable to fix it due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 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 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. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 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 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. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Ive requested on several occasions for the company to provide a validation of debt. Each time the company provides information from XX/XX/year>. They are illegally validating what the consider to be proof from XXXX yrs ago. 

The company is obligated to provide up to date information/validation. The company suggested to me that they dont have to provide current validation. 

I am demanding current validation from the creditor.

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 2024-07-25 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 express the profound impact that recent events have had on my life, stemming from inaccuracies in my credit reports held by Experian, XXXX, and XXXX. Under the protections granted to me by the FCRA and FDCPA, I submitted a notarized affidavit to each agency to rectify these errors and uphold my rights to privacy and fair treatment under the law ( 15 USC 1681s-2, 15 USC 1692c , 15 USC 1681c ( a ) ( 2 ) ( B ), 15 USC 1681e ( B ) ). 

Regrettably, despite my efforts, I have yet to receive any resolution or acknowledgment of my disputes. This lack of response has not only deprived me of my legal rights but has also caused significant distress. When attempting to follow up on my submissions, I have been disconnected and faced persistent issues accessing my accounts, exacerbating an already challenging situation. 

The repercussions have extended beyond mere inconvenience ; they have impacted me financially and emotionally. The uncertainty surrounding my creditworthiness has caused undue stress and mental anguish, affecting both my personal and professional life. 

I am reaching out in earnest hope of receiving the necessary assistance to address these matters promptly. It is my earnest desire to be treated fairly and equally under the law, to be provided with the remedies I am entitled to, and to rectify this situation without further delay. 

I kindly request immediate attention to this urgent matter and look forward to your swift response.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/24 my account was closed because I detected a fraudulent transaction of large amount at Wells Fargo Bank ; that day I went over all my transactions from XXXX and saw that a check of {$3800.00} ( smaller than the previous fraudulent transaction ) without my signature was cashed on XX/XX/1924 and right away I filed a complaints ; The bank replied that they could not do anything ; then I stepped by XXXX XXXX XXXX were the XXXX escalated the complaints. They emailed me on XX/XX/24 asking not to do anything and will inform me of their finding no later than XXXX of XXXX. I waited to XX/XX/XXXX ( this pass Monday ) to call and XXXX told me they can not do anything, that a supervisor will call me. Yesterday XX/XX/XXXX, XXXX called me and said that they can not do anything, and said that I have to check with XXXX were the check was deposited. I told her : XXXX has nothing to see with that because they are the guardian of my money, they should not clear this money as my signature is not on it and on top of that the serial does not even exist. Anyway, I scheduled an appointment with XXXX and this morning ( XX/XX/24 ) I spoke with Banker name XXXX and as you can XXXX, he said that XXXX has nothing to do with that cause Wells Fargo had cleared the check. I need my money because I worked hard for it. Furthermore, as I told all of them, Wells Fargo is not a credible financing institution to secure our money.

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 2024-07-25 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: PA

Complaint narrative:
I am writing to you as a concerned consumer and citizen regarding numerous fraudulent accounts and inquiries that have been reported on my credit report. Despite my repeated efforts to resolve this matter, the credit bureaus have failed to take the necessary actions to correct these inaccuracies. This is my third attempt to address this issue, and I am now seeking your intervention to rectify this matter urgently.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-25 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-25 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I had a previous utility debt, with XXXX XXXX. In the amount of $ XXXX 
On this amount was paid in full directly to XXXX XXXX. The receipts have been provided. I have disputed this debt with XXXX and XXXX. Which XXXX has verified the reporting debt as accurate. Helvey and Ass has no right to collect in a debt not owed. 
If they can not provide me with proof of this debt in accordance with the FDCPA, that I owe this debt the consumer reporting agencies must remove the account immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/2023, my online information was compromised ( financial, phone, and email accounts ). I had to go to my bank to close out a previous debit card due to unauthorized transactions on my account. I also noticed that an installment loan was taken out and added to my credit profile ( probably the same hackers who got into my email accounts ). I have been trying to cancel this fraudulent loan out since XX/XX/2023, but it seems Affirm nor the company that the funds were sent to are not interested in correcting the fraudulent unauthorized transaction- WHICH IS ILLEGAL. 

Having your identity stolen is one thing, but to have financial institutions drag out payments from your account for 7 months when you've reached out to them for SEVEN months to correct the issue is even worse. Are they that pressed for money that they allow fraud and identity theft predators to victimize hard working citizens. 

I WANT THIS LOAN CLOSED DUE TO IDENTITY THEFT AND ALL OF THE FRAUDULENT PAYMENTS DRAFTED FROM MY BANK ACOUNT RETURNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern : I am writing to request that you freeze my account and not allow access unless specifically authorized by me! Additionally I would like opt out of prescreened credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
To whom it may concern : I am writing to request that you freeze my account and not allow access unless specifically authorized by me! Additionally I would like opt out of prescreened credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit.

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