vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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 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
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following EXPERIENCE XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX  # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this 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 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
I cashed out {$5100.00} from XXXX to my online Dave banking account on XX/XX/23 at XXXX XXXX. The money was not received as Dave advised the transaction rejected due to being over {$1000.00} limit. Dave advised the amount will be returned to the sending party. XXXX has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Made {$400.00} payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment was posted the following Monday, XXXX XXXX XXXX. 
PNC Bank did not apply the XXXX XXXX XXXX  {$400.00} monthly mortgage payment for the XXXX XX/XX/2023 payment due. 
PNC Bank sent statement showing XXXX XXXX XXXX payment received but not applied to XX/XX/2023 payment that was due. 
Found statement on PNC Bank mortgage XX/XX/2023 statement : " In XX/XX/2023, the Prepaid Funds Functionality for your account will be discontinued. Prepaid Funds will no longer satisfy any or all of a Regular Monthly Payment due. As of XX/XX/2023, a payment will be required every month. Any amount that exceed your minimum payment due will be applied pursuant to the terms of your loan agreement. '' Note that despite having made the payment in the month in which it was due, PNC Bank did not properly apply the payment to the account. 
XXXX XXXX XXXX  met with XXXX XXXX at XXXX XXXX PNC Bank branch. XXXX XXXX called someone and spoke with them about this issue. XXXX XXXX informed me that they would research the problem on Monday or Tuesday, and that if I did not hear from her by the following Thursday I was to call her. 
Not having heard anything, I called and spoke with XXXX on Thursday, XXXX XXXX XXXX 
XXXX called later and left a voice mail message, saying, " They re-applied the payment. So, the letter I got in the mail just crossed in the mail. You are absolutely fine. '' Tuesday, XXXX XXXX XXXX  or Tuesday, XXXX XX/XX/2023 received a call from PNC Payment Options but they hung up when I answered. 
XXXX XX/XX/2023 received a collections notice from PNC Bank claiming that the XXXX XXXX XXXX mortgage payment was not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I sent letter to credit Bureau Experian, XXXX XXXX, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX  refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This is my third attempt to get some verifiable information that this debt belongs to me. I have previously disputed this debt as fraudulent as I have no knowledge of this account. 

When request verification BULLCITY claims to be sending the verification documents to the address on file of the debt however they know I will never receive those documents because I have never lived at the address for which said debt is being claimed.

BULLCITY is able to send the debt verification documents requested to the return address on the handwritten dispute I sent multiple times however they have failed to deliver me documents that verify this debt legally belongs to me. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILES FOR FRAUD AND INACCURACIES.

BULLCITY has over the course of many dispute requesting for verification of the debt because it is fraudulent and or does not belong to me however continue to reage this account knowingly reporting inaccurirs. I have never admitted that this debt is mine and have only asked for verification proving the debt belongs to my yet BULLCITY continues to change the date of last activity reaching the account even tho it is fraudulent. I am In BULLCITY a response they stated that I could file a police report to have the item removed however filing a police report is not an option because I do not have enough information on the debt or who could have possibly committed the fraud. However I spoke with a credit agency representative who said a second option would be to file a claim with CFPB. I am running out of options as this is stopping me from opportunities that could enhance my life. 

Delete this account for it is fraud.and provide your verification documents used to determine the debt is mine via your response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA.

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXXARS to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXXARS should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or XXXX in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy.

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX XXXX/Never Late '' to now just reporting " Discharged through Bankruptcy XXXX XXXX '' so my credit looks worse than it did previously.

Reporting debt as being XXXX in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved.

I have attached a full list of creditors included in my XXXX  XXXX XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that TD Bank USA/Target was not included in the list of creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life!

In accordance with the Fair Credit Reporting act Convergent Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 
In accordance with the Fair Credit Reporting act Convergent Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX 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 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Order number XXXX. 
Refrigerator not delivered, out of delivery radius. 
Charged for item anyway. 
Cancelled order XX/XX/22. 
Been disputing this with Lowe 's and Synchrony Bank to no avail.

I did not receive the refrigerator and did NOT SIGN for it.

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 monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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