vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am writing to dispute the debt that PNC Bank is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, PNC Bank is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that PNC Bank immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from PNC Bank regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are hurting my reports. 
Please see attachments

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/23 & XX/XX/23, I formally requested verification of two said late payments from XXXX XXXX that are incorrectly reporting, & verification of alleged collections on my report from IC Systems, & XXXX XXXX. None of these 3 companies provided proof of late payments or proof of validation for alleged collections, nor did they send a follow up on their investigation for either request. Due to failure and compliance with my request for investigation, I demand for these items to be removed as I have been more than patient regarding investigation processes and times.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Per previous submitted response from complaint XXXX Equifax has completed its investigation, including contacting the furnisher of the information, where applicable.However according to Investigative Consumer Reports . Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report. 
5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA. 
6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. Equifax has neglected to perform any of the required investigating Requirements to properly perform a CONSUMER INVESTIGATION. As previoulsy stated in last complaint, accounts listed are innaccurate and have been reported on my credit report without my consent. COMPLETELY violating my privacy rights 15 U.S.C. 1681 Section 604 section 1 states that have a right to privacy and 5 U.S.C. 1681 Section 604 section 2 states written consent must be provided to do so.account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}. The listed accounts are affecting my character and illegally reporting derogatory inaccurate information. Per the FCA entities are subject to {$1000.00} per violation in fines for knowingly and recklessly reporting information. In addition to neglecting to perform an accurate FULL INVESTIGATION CONSUMER REPORT. I demand that these accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX  - IDENTITY THEFT! 
XXXX XXXX  # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX  # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX XXXXXXXX # XXXXXXXX  - IDENTITY THEFT! 
XXXX XXXXXXXX XXXX XXXX XXXX  - IDENTITY THEFT! 


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 of 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to velocity investments , llc. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have disputed several accounts on my report. The report was investigated and the accounts were verified. I requested a reinvestigation into the report and to have the agency furnish the documentation. They have failed to provide any documentation and claim they are verified. 
In accord to 15 USC 1681 i ( a ) sub. 3 e investigative consumer report Improper use I sent a dispute on XX/XX/2023 and dem, anded a investigation on every piece of info on the accounts listed below XXXX XXXX XXXX  2 accounts XXXX XXXX XXXX XXXX XXXX  as of 2 accounts XXXX  2 accounts XXXX XXXX 2 accounts ok student loan 2 accounts XXXX XXXX  According to FCRA the term investigative " consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, family members or associates of the consumer reported on or with others with whom acquainted, that may have knowledge of any information. They stated they were all verified even after demanding a reinvestigation which they have not conducted a proper investigation according to law. All information is still not reporting 100 % accurate in accord to 15 USC 1681 and everything must be accurate

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2023 sent off A investigation letter certified to Transunion tracking # XXXX to make sure all my accounts was properly investigated and that everything was 100 percent correct on my accounts The Credit bureau stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

haven't given these accounts written permission to furnish these accounts on my credit report as well

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Friday XX/XX/2023 my phone was stolen. Saturday morning I went to buy a new phone. I tried to log in to my bank account from my new phone and chime suspended my account claiming suspicious activity even though I logged in with my accurate information. I sent them the information the asked for 3 times and they still have not recovered my account. I was literally at a restaurant unable to pay my tab because they locked my account. I was also stranded for hours unable to call an XXXX home. I need my account opened immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$150.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to XXXX XXXX XXXX. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to XXXX XXXX XXXX. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I have disputed multiple inquiries that I did not submit previously but have not received any resolve in this matter. The last investigation advised that you contacted all companys and have supporting documents that the inquiries are mine. I would like to receive the proof of this investigation. In addition I have attempted to look at my score online and have been advised I need to call directly to your offices because of a technical issue I can not access my credit report. I have called 4 times and each agent states the problem is fixed but Im still getting the same message when trying to access my report. I will download the screen shot. In the meantime please provide the proof that the following inquiries were submitted by me within 15 days. Your time on these matters are appreciated. 

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 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently viewed my credit report and noticed suspicious accounts on it. The account is not mine and I am being negatively impacted by the derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc.
State: AK

Complaint narrative:
factor trust has refused to remove accounts from my report that are not mine they even have a different ssn number attached to it the accounts that are reporting i have never had account with XXXX XXXX XXXX XXXX my ssn number dose not end in XXXX it ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

Closed Accounts : Delete from Credit Report XXXX - XXXX. has violated my rights. 
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 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I need these items removed from credit profile XXXX XXXX  .XXXX..XXXX XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation