vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
In XXXX I disputed a transaction in the amount of XXXX posted by XXXX. I was never provided with any temporary credit while they investigated my claim as is the policy to do so. On XX/XX/2024, I received a letter stating quote : My transaction dispute was resolved. During our review of your account and documentation available to us, we determined no error occurred and that the transaction was processed as instructed. You have the right to request documentation we relied on in making our determination. 

I called several customer service agents that gave me the run around and transferred me to bank operations, which according to the ladies who answered do not handle these types of requests. All I want is the documentation of their determination as I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 In accordance with the Fair Credit Reporting Act the list of account below has violated my federally protected consumer rights to privacy and confidentialy under 15 USC 1681. 
The account below 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. 1681 C. ( 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 1681 S-2 ( A ) ( a ) A person that 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 innacurate. 
DELETE THE ACCOUNT BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the fourth request we have made to investigate this bank who hand in hand worked with a fraudulent solar company ( XXXX XXXX ) who preyed and persuaded vulnerable senior citizens like ourselves to get solar panels on their homes. 
These practices by Dividend Finance division of Fifth Third Bank are illegal and need to be addressed by your bureau. Your bureau is supposed to help citizens who are unable to get any satisfaction from financial companies that treat consumers fairly and as a result we are not being treated as so mentioned. We are helpless here and will be soon having difficulty paying for an inadequate solar system that we were promised would be XXXX cost monthly. 
Our individual story is an issue as the salesman XXXX XXXX  XXXX came to our home and knocked on our door in a gated community. We had cancelled the appointments when we read many negative reviews of XXXX XXXX. With this said the salesman on XX/XX/year> entered our community and persuaded us to hear him out. Even though we told him to leave. He lied and promised us we would have a XXXX bill and only pay {$80.00} a month. In XXXX this payment will increase, and we are having difficulty to pay this. At this time per our Attorney, we are paying UNDER PROTEST!!! 
We trusted this bank that is partnered with XXXX XXXX. 
XXXX  XXXX is bankrupt now and can not service us. 
We must have this loan cancelled or forgiven!! This is my FOURTH REQUEST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX station located at XXXX XXXX XXXX, XXXX, NY XXXX to put some gas in my car. I have been using this gas station for a while. 
I gave my AMEX credit card to the young guy in the pump, he asked for the Zip code and he proceeded to put the gas. The total amount of the transaction was {$35.00}. 
By XX/XX/XXXX I received a text from AMERICAN EXPRESS verifying a transaction this day from the same company by {$250.00}. I texted right away that I didn't authorize this transaction. 
I went online to check my account and I realized there were 2 transactions made for this same company : One for {$300.00} made on XX/XX/XXXX and a second one for {$250.00} made on XX/XX/XXXX. 
I called customer service and I told the representative that I didn't recognize those XXXX transactions and that it must be a fraud. She told me that AMEX is going to investigate the issue. 
I called XXXX spoke with another representative. He, this time, cancelled my CC and told me that he is reporting these 2 transactions as Fraud. I will contact the Police also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair reporting act the following accounts has violated my rights : XXXX. Validate Account XXXX XXXX XXXX  account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please provide information regarding this account, validation of the debt, details regarding the total amount owed, the date of the last activity, original credit if applicable, and any relevant information associated with the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair reporting act the following accounts has violated my rights : XXXX. Validate Account XXXX XXXX XXXX  account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please provide information regarding this account, validation of the debt, details regarding the total amount owed, the date of the last activity, original credit if applicable, and any relevant information associated with the debt.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am having an issue sending a maximum transfer and receiving a maximum transfer on via Venmo using my bank or credit union debit card to send money to friends via Venmo. I want Venmo to give me access to send or receive the maximum of money using my bank or credit union debit card via the Venmo app. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Venmo XXXX Debit Card Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 


Account : XXXX. 

Account : XXXX Removed as a collection but Shows as a closed Account on my credit file. 

Account : XXXX XXXXXXXX Removed as a collection but Shows as closed and reports a late. 

Account : XXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XX/XX/year> :

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: VA

Complaint narrative:
Letters to Equifax : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent letters one & two requesting Equifax to verify disputed information that is in the public records on my report. 
In response to letter one or two Equifax didn't respond with information that was helpful to me in resolving this dispute. 
Third letter I ask Equifax who was during the verification and what procedures were being used In response to letter three Equifax responded that XXXX was the third party vendor. 
First of all, My XXXX account is closed Secondly, In a letter dated XX/XX/XXXX XXXX stated that this disputed information was unverifiable and was removed from my account. 
I think its unfair for Equifax to use information they can not verify to cause me and my family these financial problems. Also, I think its unfair that they keep responding with information that doesn't seem to be in good faith and according to Fair Credit Reporting Act 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I did not provide written consent to report the accounts listed below. Due to your violations, I will take legal action and submit a complaint for small claims for default judgement, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand VALIDATION and VERIFICATION of this alleged debt. If proof can not be provided, I demand these items to be removed from my account. 
Please see attached documents below for the reference item : XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX [ XXXX ] XXXX  XXXX Bankruptcy, Case Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I received an alert that showed there was a collection account added to my credit report. PORTFOLIO RECOVERY ASSOC added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! PORTFOLIO RECOVERY ASSOC l put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that PORTFOLIO RECOVERY ASSOC verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If PORTFOLIO RECOVERY ASSOC is unable to provide the above identifying account information, this account must be deleted from all CRAs. PORTFOLIO RECOVERY ASSOC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
There are unauthorized hard inquiries across all three credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax XXXX XXXX ). XXXX XXXX XXXX were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. Equifax asked that i submit an identity theft report ( attached ) before looking into my inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are unauthorized hard inquiries across all three credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( XXXX XXXX XXXX ). Experian XXXX XXXX were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. XXXX asked that i submit an identity theft report ( attached ) before looking into my inquiries.

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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 non-monetary relief