vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: NH

Complaint narrative:
Two weeks ago I contacted Experian regarding a wrong address they are reporting on my credit report. I have been told to upload my DL and a utility bill and I had uploaded it at Experian/upload portal and they having update my information. 

I will attach my DL and a utility bill with this complaint. 


15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
i contact chime bank customer service so bad i want file claim XXXX i did ask customer service from XXXX XXXX they refuse refund can you file a claim customer service due poor English im mad now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
We alerted PNC Bank of unknown bank info change that we received via email. We asked to freeze account till we were able to investigate. This account was Owned by myself and joint owner as my father whom I was a XXXX  for. He was deemed XXXX  by an XXXX XXXX that we supplied to PNC. He was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. His income was his VA XXXX & Social security benefits. PNC Bank allowed a 3rd party non account owner to access the account & make changes to include drain the account & close it out without our permission. Our sister has been excluded from our family for 30 yrs. She found out my dad was dying and took advantage. We only saw her 3 times in 30 yrs. PNC Bank had no right to take instruction from her & especially after we explained to them of her previous fraudulent attempts. My joint account and my personal account unrelated to this one was frozen. The Joint account was closed by her without our permission in spite of major RED Flags & warnings all over the account by myself & THEIR FRAUD Dept. My dads income was ached in each month with no where to go. We were advised to get Guardianship in addition to our POA. We were awarded Guardianship. My Dad passed away 3 weeks after doing so. We had been put through HELL for 6 months of our lives from PNC 's Negligence while my dad was XXXX XXXX in an unnecessary court hearing XXXX miles away each time on 5 occasions. Yes, we won. However it cost our family approx {$22000.00} in court fees, plane fares, hotels for myself, wife, Mother ( his Spouse ), Brother & his wife. We all lost vacation time at work and had to defend ourselves from a very bad person who was found to be fraudulent as suspected that PNC took instructions from. We have time stamped documentation from PNC 's own data entry to show their coverup & negligence. We also have court awarded and Judge stating very clearly that our sister tried to capitalize on our dads illness for financial gain. PNC Needs to be accountable! We would also like for them to prosecute her for the crime that she committed which destroyed our family when our dad was XXXX. My dad had nothing to do with our sister and her antics. Our whole family would attest to. Please Advise! 
XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
To whom it may concern : Attached you will find the information I have identified on my credit report that need to be remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-05-01 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: SC

Complaint narrative:
I sent credit disputes to all 3 credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: SC

Complaint narrative:
I sent credit disputes to all 3 credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission.

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 2024-05-01 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: LA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Equifax, XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Hello my name is XXXX XXXX, I tried making a deposit through a citizens bank atm on XX/XX/2024 at XXXX XXXX. I entered my cash of {$1100.00} into the atm, it did not read the cash that was entered and as the atm tried returning my money I received an error saying we encountered a problem returning your cash. Please contact your financial institution.. I had gotten a printed receipt of that message too. So no money was returned back to me and no money was deposited into my back account. All I got was a receipt with that error message. So I contacted citizens through their number and told them what had happened and they deposited the money into my account and told me that they would look into that atm because of the problem that had happened to me. A couple weeks go by and they take that {$1100.00} back out of my account because they said due to further review they had not seen no issue with that transaction and pretty much said I was lying about it. So I had told them I have physical proof of the error because I kept the receipt and I emailed it to them so they can look more into it for now a second investigation. Now because of their error I have to wait 5 business days for them to reach back out to me with a new answer. So after this is all handled I am cancelling my account with them and I am going to a different bank as this was by far the worst experience Ive ever encountered with a bank. And I do not recommend anyone to join this bank due to their lack of service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I disputed about {$1900.00} with TRUIST Bank in XX/XX/XXXX or XXXX, XXXX. There was an issue with my XXXX and XXXX cancelled 2 reservations that were not made by me. I advised my bank about this as soon as I came back from XXXX. I also disputed additional charges were made in XXXX no by me. TRUIST bank declined to assist in any way. I spoke to 2 supervisors and they stated they would not help and the case was closed. Also, I opened a bank account with TRUIST bank in XX/XX/XXXX because there was a promo : Open a new eligible personal Truist checking account ( Truist Bright, Truist Fundamental, or Truist Dimension ). 
Use promo code : XXXX  @ XXXX Set up and completing at least two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening. 
I met all qualifications but the banker XXXX XXXX that opened my account in a XXXX branch opened the incorrect account. He later told me that he would fix this and then months later he said I was not eligible. I spoke to 2 supervisors regarding this promo issue as week and they said they would not help.

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 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/2024 in an attempt to get help with my tax file. XXXX XXXX XXXX charged me roughly {$4200.00} and referred me to agents of XXXX XXXXSpecial Financing CoXXXX XXXX XXXXXXXX XXXX  for setup of an installment loan for this amount. On XX/XX/2024 I paid {$270.00} and subsequently received a statement of denial from XXXX XXXX XXXX XXXX on XX/XX/2024. I was charged {$270.00} again XX/XX/2024 and on XX/XX/2024. I should not have paid and subsequently be charged for payments on a denied installment loan that does not exist. I am seeking a refund of {$820.00} reflecting all monies paid to date and would like removal of adverse remarks and inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
After my initial call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I was called constantly from the recruiter to enroll. He told me several times that they had a XXXX XXXX graduate placement with several connections to XXXX XXXXXXXX XXXX XXXX XXXX in the city of XXXX XXXX, WI. I was told the overall cost would be {$42000.00} to complete my XXXX XXXX. My decision to continue my education was based on that number. The final cost was much more than originally quoted by the recruiter ( about {$20000.00} more ; to which they never gave me an explanation ). I won the XXXX XXXX XXXX scholarship from XXXX XXXX XXXX XXXX XXXX ; it was to be {$25000.00}. Apparently I tied with another student and they split the scholarship between the two of us for {$12000.00} each. Between the time I graduated and when I started paying my loans, XXXX XXXX XXXX XXXX XXXX managed to add about {$20000.00} to my debt. They also failed to apply my scholarship ( from their own institution ). 

They told me that they would assist me in finding a job after graduation and that they had several contacts in the XXXX XXXX, WI area and the base salary for a first year XXXX XXXX  would be about {$50000.00} per year ( XXXX ) and they had a XXXX XXXX job placement rate. As a matter of fact, I was contacted by an employment specialist, who was reading through the XXXX XXXX, WI local job listings and was suggesting I apply for " XXXX XXXX  '' jobs. I asked about their contacts in my community and he said they didn't have any. I was able to find a XXXX job as a XXXX XXXX for the XXXX XXXX, just to make ends meet. After a few months of NOTHING, I was able to find a job as a " XXXX  XXXX '' for a XXXX XXXX XXXX ( NOT RELATED TO XXXX XXXX  AT ALL ). When the employment specialist found out I was employed, he told me that he was closing my file and " good luck ''. 

In XXXX I enrolled in a XXXX XXXX course at XXXXXXXX XXXX XXXXXXXX XXXX and was told that none of my credits would transfer from XXXX  XXXX XXXX. I was also told from the recruiter at XXXX XXXX XXXX that they were XXXX Accredited ; only to find out after I graduated that it did not pertain to the " XXXX '' degrees. I have never held a position as an XXXX XXXX  ; and was once told in an interview that " my degree from XXXX XXXX XXXX will open doors ; but is basically useless ''. 

My Federal Loans have been discharged through the XXXX XXXX XXXX lawsuit. I have been paying religiously on my private loans and they are current. Today the Biden-Harris Administration Approves {$6.00} Billion Group Student Loan Discharge for 317,000 Borrowers Who Attended XXXX  XXXX XXXX ; this applies to the Federal Loans ( which mine have been discharged ). I would like to stop paying on my private loans and receive a refund of all payments from this predatory institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approx XX/XX/24 I called BofA since my CD matures XX/XX/24 and I wanted to be sure they moved the funds into my checking account since their program automatically rolls funds into new CDs. 

XX/XX/24 ( today XXXX PST ) I ask BofA to move the matured CD to my checking account. They said they can not since I called in XXXX, they set it up to send me a check, which will take 7-10 business days, which they said nothing about on my previous call. I told them to put a stop payment on the check and move funds into my checking account. They said the stop payment will take over 7 business days so I am better off waiting for the check. I know they can do a stop payment immediately so they are holding my money interest free for over a week when I desperately need these funds, as I let them know. Just spoke to a manager who called my back, but was not able to resolve the situation in any way. 

It is not that hard for Bank of American to move funds into my checking account, which leads me to conclude they are for sure playing games to keep my money interest-free a little longer.

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 2024-05-01 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: NJ

Complaint narrative:
I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information. Equifax, The offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name : 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 I'm requesting that these items be remove IMMEDIATELY : Please promptly remove this data within 4 business days to pursuant to 15 USC 168-c-2 to avoid any further legal proceedings. Thank you for your timely complaince!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NV

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am submitting an updated complaint against Blitt & Gaines P.C. for continuing violations of the Fair Debt Collection Practices Act ( FDCPA ) and non-compliance with previously issued cease and desist orders. Despite their acknowledgment of the cease and desist status in their correspondence dated XX/XX/year>, the firm has proceeded with legal actions against me, demonstrating a willful disregard for my consumer rights. 

The Specific Allegations are as follows : Non-compliance with Cease and Desist : Blitt & Gaines P.C. confirmed receipt of my cease and desist demands and acknowledged these directives in their internal files. However, they have not only continued communications but have also escalated to legal actions, contradicting their own acknowledgment and assurances of compliance.

Failure to Provide Debt Validation : The firm stated they would prepare a validation packet to comply with federal provisions but failed to provide this documentation within the legally required timeframe. This non-compliance persists alongside their continued collection efforts. 
Unauthorized Legal Proceedings : Despite the active cease and desist notices, Blitt & Gaines P.C. initiated or continued legal proceedings related to the alleged debts. This action constitutes harassment and a direct violation of the FDCPA. A complaint has been filed in the past. 
Reference No. : XXXX Account Number : XXXX Court Case No : XXXX Alleged Debt : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I noticed today that Equifax is reporting an incorrect address in my credit report. 

According to 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Account opened on XX/XX/2021 The amount is {$7500.00} I tried to speak with a representative on XX/XX/2021 and was unsuccessful. 

I would like this removed from my credit report it has been negatively affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive never entered in any agreement with XXXX XXXX XXXX. Ive requested them to validate this information thats listed inaccurately on my credit report both they havent yet to respond. Ive asked them to send me a copy or any original documents that states I have a contract with them but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: AL

Complaint narrative:
Ive never entered in any agreement with XXXX XXXX XXXX. Ive requested them to validate this information thats listed inaccurately on my credit report both they havent yet to respond. Ive asked them to send me a copy or any original documents that states I have a contract with them but they have failed to do so.

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 2024-05-01 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX 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 non-monetary relief