vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have sent Pen Fed Credit Union and XXXX XXXX XXXX my police report and FTC report. Showing this account is not mine. I have never filed a hardship letter with Pen Fed Credit Union about this credit card. I never opened a credit card with Pen Fed Credit Union.

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 2024-08-02 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: IL

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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 hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
A " friend '' stole my phone, and because knew my pin number ( he must have seen me tap it, because i didn't volunteer that information ), he was able to send himself {$240.00} without my permission. He then proceeded to change the email associated with my account and my pin. ( The disputed transaction is included in my attachments and has the following timestamp : XX/XX/year> at XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: GA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-08-02 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information regarding the collections account listed below on my EXPERIAN credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 605 ( c ), 604, and 605 ( b ). Upon reviewing my credit report, I noticed that the information related to this account is inaccurate. I request that EXPERIAN conduct a thorough investigation of this account and verify its accuracy, as mandated by the FCRA

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, and I have notice that the credit reporting agencies are taken advantage of me by inaccurately reporting late payments thats totally inaccurate. Do to this inaccurate reporting I have been denied lines of credit, and was denied a loan. Please look at the documents I have attached. 
Thank you.

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 2024-08-02 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:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

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 2024-08-03 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-02 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 hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-03 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: NJ

Complaint narrative:
I am writing to file a complaint against the three major credit bureaus - Equifax, XXXX, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United Sta

tes Code 15. According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency sh
all follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices. 
Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies. 
I would like to bring your attention to the following disputed items on my credit report : Account 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 These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory. 
In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated time frame. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I had 27 checks stolen from back of my payroll checkbook, 9 pages of 3 checks each. @ 20 checks were cashed by 2 guys. To the tune of {$20000.00} total. These checks were all cashed at XXXXXXXX XXXX party store/ gas station, that one of the thieves used to work there, with his poorly forging girlfriend. I print all my checks with my unique full name, signature. I discovered this fraud on XX/XX/year> due to missing check numbers I noticed, when I got to the end and was going to add more checks to binder and the blank stubs that were left behind. I contacted bank immediately upon discovery. They acted like it was probably going to be resolved. I then made a police report in XXXX XXXX. Reached out formally and verbally to corporate Citizens bank to try to make me whole. The cashed checks were not authorized by me. One check had no date, another no signature. The forgery did not match my always used printing, nor matching my full name signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
It's funny I had to used CFPB platform even before I started banking with PNC. I lodged an online application yesterday. Today I called customer service to confirm if the application was reviewed. They said it is still under review. The sales reps are very clever, they said if I process a brand new application over the phone the account will open instantly. XXXX she processed a new application over the phone and she said it is approved and I will receive an email to sign the paperwork. She got her sale she got her commission, but I never received the email. I called again and asked for a manager. The manager took the call and said she can not see my application, she will talk to the sales team and get back to me. She then simply transfered the call to another agent. I asked this other other agent that why did she transfer the call as I was primarily wanting to talk to her because she is a manager. The male operator said why do you want to talk to the manager? I hung up the call. A complete harassment and disservice to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: UT

Complaint narrative:
XXXX & EXPERIAN CONTINUE TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW. DELETE THESE ACCOUNTS ASAP FOR ALL VIOLATIONS AND FOR CONTINUING TO BREAK THE LAW AND VIOLATE MY FEDERALLY PROTECTED RIGHTS AS SET FORTH BY CONGRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS : XXXX ( XXXX ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report. YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS. ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. XXXX, EXPERIAN, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.

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 2024-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: TX

Complaint narrative:
First, I borrowed {$500.00} from PayActiv on XX/XX/year>. Next, PayActiv deducted {$500.00} from my paycheck on XX/XX/year>. Following that, PayActiv deducted another {$500.00} from my paycheck on XX/XX/year> without asking permission or receiving any authorization from me. I contacted PayActiv about the transactions above. The company acknowledged that they had taken more money out of my accounts than I owed and that this was wrongful. However, even though PayActiv acknowledged the improper taking, acknowledged the amount of money they stole and stated the amount that they took was without authorization, they refused to return the money that they stole from my account. PayActiv kept claiming that the initial taking was error, but they refused to return the stolen amounts and still have not returned any of the money that they stole up to the writing of this complaint. 

This is the SECOND time I have registered this complaint on the CFPB website because the CFPB website claimed it couldn't find my complaint despite having my created account available. 

I am a XXXX XXXX and PayActiv is a California business that has committed financial crime impacting my account. What elements of interstate wire fraud are unmet by PayActiv 's behavior? I am a XXXX licensed attorney in the State of Texas and I expect a robust and devastating response by law enforcement and state and federal regulators. PayActiv is laughing at both of us while it unfairly holds money stolen from my account. They clearly will refuse to return my money until law enforcement puts handcuffs on their criminal staff. This is nuts. The XXXX number is staffed by XXXX who have no respect for Americans, our laws, or the wrongfulness of their crimes. Please do something they can ignore. My understanding is that there are statutory penalties for such crimes and I would like to fully enforce any applicable penalty in this case to the fullest extent of the law. I would like to collaborate with law enforcement to the extent necessary to ensure other XXXX are not victimized by this fraudulent scheme. Let 's go get these perpetrators.

Company response to consumer: Closed with explanation