vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I had the credit card for some time, but I had not used it recently. I am getting ready to travel out of the country and was counting on it to track my expenses for and while on that trip. Logged on to my online banking only to see the card was gone. 
In contacting PNC - first, it took a lot of transfers to get me to a person who could help me. Most were in off shore call centers. When I finally reached someone, I was told it had been closed due to lack of usage. I received no notification or letter from PNC stating it would be done. 
The problem is a bank looks at your credit history and removing an {$8000.00} credit card limit can be harmful to your utilization driving your score potentially down. Additionally, have a card notated as closed by creditor, has a very negative connotation and can alter whether another creditor chooses to provide credit. 
This seems like a conflict of interest as well as unfair to the consumer. Luckily, I had closed on my home purchase in the fall or this could have affected my ability to close my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
I am writing to dispute illegitimate auto credit accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any AutoCredit accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( Experian, XXXX, XXXX ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.

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 2024-04-11 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: FL

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA, I am asking you to investigate the information for accuracy, compliance, and validity. If you can not provide proof that the information is accurate, compliant or valid, I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. 
Attached is a summary of the data in which I am challenging.

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 2024-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
Healthcare Finance Direct is a financial institution that serviced the now defunct XXXX XXXX XXXX. Despite XXXX XXXX XXXX contracts now being null and void because XXXX XXXX XXXX can no longer fulfill its contractual obligations ( for example : no longer providing any services, correcting teeth after aligners did not work as promised ), Healthcare Finance Direct is refusing to cancel payments and attempting to collect on a voided contract. 

I have contacted them repeatedly in writing and referred them to the contract I signed, indicating that XXXX XXXX XXXX was unable to fulfill their side of the contract and I now have significant issues with my teeth XXXX can not correct, but Healthcare Finance Direct have not responded except to send late payment bills and threaten to take me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I used to have an account with Revolut XXXX and they closed it for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: PA

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 3rd party. They in fact did not come from a 3rd 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 2024-04-11 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: Experian Information Solutions Inc.
State: PA

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 3rd party. They in fact did not come from a 3rd 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 explanation
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
In an extensive review of my credit report from Equifax, I have identified multiple inaccuracies that directly affect the fidelity of my financial records and, consequently, my credit score. Despite several attempts to rectify these discrepancies directly with Equifax, the issues persist, prompting me to seek intervention from the Consumer Financial Protection Bureau ( CFPB ). The disputes encompass critical personal information discrepancies, including my date of birth and current address inaccuracies, alongside incorrect employment details. Furthermore, a public record item relating to a Federal Bankruptcy ( XXXX XXXX. XXXX ) is inaccurately reported in terms of type, status, filed/reported date, closing date, asset amount, court details, liability, and exempt amount. This inaccurate portrayal extends to several accounts across different financial institutions, which remain unresolved. Specifically, issues have been identified with XXXX XXXX XXXX XXXX XXXX accounts ( XXXX XXXXXXXX and XXXX ), XXXX XXXX  XXXX XXXX accounts XXXX XXXX XXXX and XXXX ), a XXXX XXXX account ( XXXX XXXXXXXX ), a XXXX XXXX account XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX accounts ( XXXX XXXXXXXX and XXXX ), a XXXX XXXX XXXX XXXX XXXX account ( XXXX. XXXX ), an XXXX XXXX account ( XXXX. XXXX ), and a XXXX XXXX XXXX account ( XXXX. XXXX ). These disputes encompass a range of issues, including but not limited to incorrect high balances, dates of last activity, reported dates, creditor types, payment statuses, and credit limits. My attempts to have these inaccuracies investigated and corrected through direct communication with Equifax have, regrettably, not resulted in the necessary corrections, despite the provision of supporting documentation and repeated requests for review under the Fair Credit Reporting Act ( FCRA ). This situation has left me with no alternative but to seek the CFPB 's assistance in resolving these discrepancies, which unjustly impair my credit reputation and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Wildhorse Financial Services, LLC
State: CA

Complaint narrative:
I wanted to check rates for a XXXX  on a vehicle. The XXXX XXXX site said for me to enter my info for pre approval. I entered info and at the end they asked for social security number ( optional ) I declined to enter. They called me with estimated rates and the XXXX asked if I wanted to apply and I said not yet. I needed to speak with my husband. I was puzzled because he knew my exact credit score and info on a few of my accounts. I asked how he knew so much since I hadnt provided my ss number and he said oh its a soft pull we dont need your ssn for that. We wont apply until you agree. XXXX minutes lates I get an alert of a XXXX  pull from XXXX XXXXXXXX XXXX which was the loan that XXXX from XXXX XXXX was offering me. I didnt agree to my credit being pulled. When I called XXXX XXXX  I was told thats how it works. They dont need your ssn to run your credit. If you input your name, address, etc they have permission. He advised me to read the fine print. Which tells me theyre purposely trying to trick people. Careful with bank rate and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: GA

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, XXXX XXXX XXXX XXXX XXXX XXXX of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX, 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 : Bankruptcy - XXXX Bankruptcy - 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a cfpb complaint to resolve a charge off on my credit report. ( Happened during Covid ) In the consumer protection bureau complaint Bank of America leaves a phone number to call and do not respond to complaints. I have been calling and leaving messages for XXXX years and no one ever picks up or calls you back. The voice mail says XXXX XXXX to XXXX XXXX est time. I called the charge off department today and spoke to a XXXX about XXXX XXXX  east XX/XX/year>. He said he would help but left me on long hold. He apparently was attempting to transfer me to different lines, it seems like it was call avoidance. Finally they answer XXXX and she said it is new in their department charge offs so she spoke to her manager and they said I need to speak to credit cards, then she transferred me the call gets disconnected! Bank of America gets paid for reporting bad information on your credit so they are not trying to help me. In XXXX years it will be off my credit but I am a boa business customer also I was trying to resolve it! They put a resolution number to CFPB and do nothing. How does the government let this happen to consumers. We are not protected. They did not respond this service is supposed to have the company respond

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 2024-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-04-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-11 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation