vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCB Rent Reporting Ltd.
State: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint regarding LCB Rent Reporting Ltd. inaccurately reporting data on my credit report. The company acknowledged the error and stated that the balance being reported was incorrect and that they would update the credit bureaus. As of XX/XX/XXXX, the information remains unchanged from what I originally reported. 

Furthermore, the account is inaccurately listed as open, despite my rental agreement ending on XX/XX/XXXX. It also falsely indicates that I have scheduled monthly payments, suggesting to potential lenders that I have an ongoing monthly obligation of {$2400.00}, which I do not. The disputed debt of {$7200.00}, currently being litigated in the XXXX of PA courts ( on appeal ), pertains only to XXXX, XXXX, and XXXX of XXXX. No other months were delinquent or unpaid, so the historical data needs to be corrected. 

Additionally, there were never any partial payments or payments less than {$2400.00} made to the landlord, so the last date of payment XX/XX/XXXX indicating {$1600.00} needs to be corrected as well. The balance of {$13000.00} listed as past due is completely inaccurate and must be corrected immediately as it is significantly damaging my credit rating. At this point, LCB Rent Reporting 's negligence in correcting their error from a landlord is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA, consumers have the right to dispute inaccurate information, and the credit reporting agency is required to correct or remove inaccurate, incomplete, or unverifiable information, usually within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The fake company representative has been calling me daily at XXXX. I responded and they had my address already from an attempt that they made before. The posed as southwest credit company and send me an email probable for phishing. However, the phone number that they called me from is not the company 's phone online. The number was XXXX. They mentioned that it was for collecting a toll in XXXX but I verified and I do not have any toll debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, TX XXXX PNC Bank Attention : Fraud RE : Notice of Unauthorized Use of ATM/Debit Card Account Number [ XXXX ] to use my ATM/Debit card in any way. 
Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was used for unauthorized transactions secured without a PIN starting on or after XXXX XXXX, 2024. I did not authorize any transactions on or after this date that were secured without my PIN.

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementin
g Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : All debit transactions secured without a PIN I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report, which includes : My FTC Identity Theft Report The CFPBs Notice to Furnishers of Information Please reimburse my account for all unauthorized transactions made without my PIN. On XXXX XXXX, 2024, I spoke with XXXX  [ Last Name Unknown ], a member of the executive team, who stated that PNC has no way to identify PIN transactions versus non-PIN transactions. However, the attached screenshot from my account statement clearly shows that PNC does possess this information. I believe this screenshot clearly demonstrates that PNC is capable of distinguishing between PIN and non-PIN transactions, contrary to XXXX XXXX statement. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored ]. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information Screenshot of Account Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NJ

Complaint narrative:
The following inquiries are not mine made by me nor authorized and occurred during my move from Louisiana to New Jersey and are on my credit report hurting me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX have tried calling the company and received no help i called Equifax and they told me to file a ftc complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NV

Complaint narrative:
I am writing to formally complain about inaccurate and incomplete information currently listed on my credit profile. The data in question is not in compliance with XXXX XXXX guidelines, and it is adversely affecting my creditworthiness, resulting in higher interest rates and missed opportunities for promotions at my current job. 

Below are the specific accounts that require immediate attention and correction : XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXXXXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. Affirm XXXX Please delete XXXX. XXXXXXXX XXXX XXXXXXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXXXXXX XXXX  XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXXXXXX XXXX XXXXXXXX Please update to never late/pays as agreed XXXX. XXXX XXXX XXXX Please update to never late/pays as agreed I request that these accounts be removed and my credit profile updated accordingly, whether these accounts are currently reporting or not. The erroneous reporting on these accounts is causing significant harm to my credit profile and, consequently, to my financial well-being and professional life.

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 2024-07-23 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-23 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: AZ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 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 2024-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America has frozen my account because I have not provided some requested information that I haven't either received or they deemed insufficient. 

For the insufficient information I have provided them multiple documents on the total bill and they are disputing a {$2.00} charge on reoccurring billings for XXXX. The date of service XXXX XXXX and I received products for my XXXX  monthly. They continue to ask for the same receipts. I think they are collecting unnecessary personal data at this point. 

I have had to provide receipts for XXXX cent transaction from my children 's healthcare provider. The amount of data that they are collecting has been severely over the top. 

To me it seems like BofA is collecting to much of my personal data especially on recurring billings.

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 2024-07-23 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus inquiries. 


These are the inquiries that are fraudulent on my credit report : 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 XXXXXX/XX/XXXX A copy of an FTC report listing the INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains a fake address as a result of these INQUIRIES. A copy of your consumer FICO credit report, which includes the aforementioned bogus INQUIRIES. The aforementioned INQUIRIES, as reported, are unfamiliar to me. The INQUIRIES listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Inquiries listed above are all the product of fraud and identity theft.

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 2024-07-23 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: CA

Complaint narrative:
My account with XXXX XXXX  & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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 XXXX  & 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 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Self Financial Inc.
State: GA

Complaint narrative:
Hello I am officially submitting a complaint against XXXX. The reason for my complaint is theyre now knowingly reporting fraudulent accounts to my credit profile. They removed the accounts and reported it back. I informed them via mail on XX/XX/year>, XX/XX/year> and also XX/XX/year> in which this date they claim the never received. In the letters, in detail I included all information needed to have any fraudulent accounts removed. I included a Police report from my local police department along with the investigating officers information. I also included an Identity Theft Report from the Federal Trade Commission. I'm going to attach those documents here as well. 

Fraudulent Accounts : XXXX XXXX- account number XXXX XXXX. US DEPARTMENT OF EDU- account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I have serious doubts about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the required validation and address this issue appropriately.

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