vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Alternative Email : XXXX SSN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXTo Whom It May Concern : Please accept this letter as my formal written request for an investigation into the following items on my credit report.According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has negatively impacted my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately XXXX XXXX XXXXXXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide XXXX XXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide VerificationXXXX XXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide XXXX XXXX XXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide VerificationXXXX XXXXXXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide VerificationPlease remove all non-account holding inquiries over 30 days old.Please add a Promotional Suppression to my credit file.IN WITNESS WHEREOF, the undersigned has signed and sealed these presents the day and year first above written.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX XXXX who is personally known to me or who has produced [ Identification ] as identification, and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same.WITNESS my hand and official seal in the County and State aforesaid this __ XXXX of XXXX XXXX XXXX.Notary Public Printed Name : 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 2024-08-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Thank you for your help. I the beginning of XXXX I had a privet banker from PNC XXXX BANK contact me to open a CD. I had a large amount in my money market account opened XXXX 5.15 % that was wrong. Then he wanted my trust docs. Next day wanted my wife 's trust docs. I told all my accounts were under joint trust. Then on another date he wanted our joint trust that are not active I cancel this CD and told him he had mislead me, I would have never done this. I told him I was going away for XXXX weeks. I have all the email I could send from my XXXX. His name is XXXX XXXX phone XXXX. I see on my account they charged {$1200.00} Approximate. I was never told any of this it was only a XXXX mo cd and he didnt need trust until it was done. 
He said the XXXX client would handle this. 
I called XXXX  times no call back XXXX XXXX. 
phone XXXX email XXXX I also have emails he lied about rate. My complaint is that I was never told I need trust info until it was opened, it should have never been issued and I told him I wanted the interest on the money the had in CD for those day. 
PNC are nothing but crooks and this call made to me to open this was FRAUDULENT I never told him to call us. 
Thank you XXXX XXXX XXXX : I will attach all emails if there is some way from XXXX. I will not be home XXXX XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
This is reporting on my credit report and it's not me. I have not ever attended a college. This false & fraudulent information on my credit report that do not belong to me. By law it's illegal for this to be attached to my name and social if it's not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a consumer 's account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TX

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
I am a victim of identity theft a business loan was opened under my business information with XXXX XXXX account number XXXX, this fraud account is not reporting has chargedoff on my credit report. 

Two unauthorized hard enquiries from XXXX XXXX and XXXX was also reported to my credit file as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I am writing to address my ongoing concerns about the disputed accounts on my credit report. I have repeatedly raised issues regarding inaccuracies in these accounts and requested thorough investigations, but I have not yet received any resolution or corrective action. 

These incorrect accounts are severely impacting my credit and creating significant personal and financial difficulties. I urgently need your assistance to resolve this matter as quickly as possible. 

Please conduct a detailed review of the disputed accounts and take immediate steps to update and correct my credit report. Restoring the accuracy of my credit file is crucial for regaining control of my financial situation. 

I appreciate your prompt attention to this issue and your support in resolving it. Thank you for your understanding and assistance.

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 2024-08-29 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: TX

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I made and gave a payment over the phone from my checking account to payoff this PNC credit card that was compromised, so I could close the credit card account, so I could open a new credit card with PNC, to a PNC Bank representative to payoff my old PNC credit card. This PNC representative assured me on the recorded line that this payment was not late and the payment was made. I opened a new credit card with PNC Bank. A couple of days later I noticed my balance on the new card increased by the amount that I paid off on the old PNC credit card and PNC added a {$27.00} late fee and a {$6.00} interest charge. 
I have made numerous unsuccessful visits to the local PNC Bank branch here in XXXX to see XXXX XXXX to get this resolved and the {$27.00} fee and the {$6.00} interest removed from my new PNC credit card. I was handed excuses and empty promises that this would be resolved and the {$27.00} late fee and the {$6.00} interest will be removed. Then I discovered when I was in XXXX yesterday to see my brother for lunch that my new PNC Card would not work because of insufficient funds, which was really embarrassing and strange to me, because the card has a {$17000.00} line of credit on the new PNC credit card with a {$470.00} balance. Their customer service is the worse I have ever received from a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX was supposed to fix my balance, the manager never did. Not only an eviction notice was placed on my door after I told them I was moving out. Bu they wrongfully charged me and sent me to collection. XXXX XXXX XXXX sold/shared my personal information to third party without my consent. who then reported to my credit bureaus XXXX XXXX, the landlord called and cancelled my contract, they put a charge off on my credit reports. 
XXXX XXXX sold/shared my personal information to a third party without my consent. Third party reported the collection to my credit reports Credit Bureaus have verified my address for the third parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: IN

Complaint narrative:
I look at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One more thing according to 15 U.S.C. 1681s-2 ( A1 ) 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 non-monetary relief
Consumer complaint received 2024-08-29 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:
I have been a victim of identity fraud and already informed all three credit bureaus I have taken every action that I was informed to do and still this matter is continuously happening

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: IN

Complaint narrative:
I have requested that National Recovery Agency send me the original loan documents for the account they are trying to collect on. I don't recall this loan account. The alleged lender is XXXX XXXX. Upon researching them, they are not licensed to lend in the state of Indiana. This needs to be removed from my credit report ASAP. This is not a legal 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 2024-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPBXXXX XXXX the XXXX of 2024 Capital One verified the information on my account as accurate. The account in question shows " CO '' ( Charge Off ) status repeatedly after the Date of First Delinquency ( DOFD ), even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the Capital One account number XXXX. the account shows repeated " CO '' ( XXXX XXXX ) notations, which is misleading. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated 'CO ' suggests multiple charge-offs, which is inaccurate since a charge-off is a one-time event. This ongoing inaccurate reporting may constitute a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the c

onsumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 
Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but XXXX and Equifax are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

They also violated 15 USC 1681 i ( 5 ) Can you look into this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief