vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2024-02-06 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: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-02-06 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: OH

Complaint narrative:
I recently check my XXXX XXXX and notice accounts that I have never applied for. These accounts were : 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 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 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I have encountered a distressing situation in which I fell victim to a fraudulent scheme, resulting in a financial loss of {$1700.00}. The scammer deceitfully obtained these funds from me. In an effort to address this issue, I initiated a dispute with Valley National Bank 's XXXX division. Regrettably, despite the passage of time, no action has been taken to investigate or rectify this matter. 

My initial claim was submitted in XXXX of 2023, and for XXXX months, there was no communication or progress. Faced with this silence, I took the initiative to contact customer service in XXXX. During this interaction, they requested that I provide evidence to substantiate my claim. Accordingly, I forwarded documentation comprising a filed police report and a comprehensive XXXX  document detailing the email correspondence that outlines how the fraudulent activity transpired. 

Despite my persistent efforts to follow up every two months, I have received no further communication or resolution. This prolonged delay and apparent lack of urgency have left me feeling as though my case is not being treated with the seriousness it warrants. I remain hopeful for a timely and equitable resolution to this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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:
EQUIFAX fail TO delete multiple inquiries due to fraud and they fail to investigate my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Re : case # XXXX XXXX XXXX On XX/XX/year>, I received an email from Citibank stating my account was closed because of a periodic review of my credit report and, as per my XXXX report, sufficient of my revolving accounts with a balance near my limits. I have always been on time on all of my accounts. This does not make any sense. For the cards in question, my credit limit was decreased by the companies who issued the cards, and this was not because of nonpayment. 
I never received the letter they claimed that was mailed 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 explanation
Consumer complaint received 2024-02-06 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:
On XX/XX/year> I sent an investigation request letter to all XXXX Credit Bureaus : XXXX, XXXX, and Transunion to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.

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 2024-02-06 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: IL

Complaint narrative:
On XX/XX/2024 I sent an investigation request letter to all XXXX Credit Bureaus : XXXX, Equifax, and XXXX to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX from ARSTRAT  regarding an attempt to collect a debt of {$120.00} fromXXXX XXXXXXXX, ARSTRAT reference number XXXX. I sent my dispute of these claims on XXXX via certified letter usps tracking # XXXX. Which ARSTRAT received on XX/XX/XXXX. I received a second debt collection letter from ARSTRAT regarding the same reference number XXXX now in the amount of XXXX. Neither debt is correct and I have already explained all the details of XXXX XXXX failure to manage my account correctly in the letter I sent via certified letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Credit card statement closed on XX/XX/XXXX. I made XXXX payments prior to the next closing date ( XX/XX/XXXX ), on XX/XX/XXXX and on XX/XX/XXXX, paying the balance in full ( actually overpaying the balance ). 
I made the minimum payment on XX/XX/XXXX to ensure that I would not have a late fee, since a month or two before my payment was made late and I wanted to make sure that didn't happen again. When looking over my bill on XX/XX/XXXX, I noted an interest fee ( {$21.00} ). I contacted the credit card company to inquire. I was told that the statement was generated from my first payment. The consumer representative expressed that although what i had done would certainly prevent the late fee, that by doing so, I would incur the interest fee. The representative expressed that the interest fee would be removed, but suggested that I not use this practice in the future. 
So ... .although the company ( bank ) did the " right '' thing in this case, I don't believe that this is a fair practice, or at least certainly not one that is consumer friendly. I'm assuming this practice is allowed, but with current technology available, I question whether allowing this practice to continue is necessary. 
Thank you for your consideration of 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 monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX received my payment paid in full and now has sold my account to some one else named Jefferson Capital and they will not leave me alone they have sent numerous amounts of Emails and Letters and i have tried explaining to them that i dont have a account with them and dont owe them anything and they have my credit score down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
this company calls before XXXX they have been told to cease and disassit and in the past to stop calling my mothers house they still call my mother 's house leaving messages on the voicemail, but still calls early in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have a late payment on my credit report with Synchrony bankXXXX from an account that was opened in XXXX. The account was closed in XXXX and I have contacted Snycb/XXXX  at least XXXX times asking for a letter stating that the account was paid off in XXXX. Each time I speak with them, they tell me it will arrive in the mail between XXXX and XXXX business days. I have been contacting them since XXXX of XXXX and I still do not have any mail from them. It is very frustrating, and I do not understand why I can not get this letter. They denied me an email or fax. 
Thank you for your 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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i filed a dispute last month with experian and they deleted all inquiries and adverse information from my credit file.Only to discover by checking my recent report and some adverse information reappears on my credit file. this goes against the FCRa and its a violation of my consumer rights. i want them to delete all personal information that i requested plus the repossession on my credit file or i will be seeking damages.

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 2024-02-06 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: MS

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-02-06 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: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-02-06 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC COMPLAINT LOST WIRE TRANSFER TO XXXX XXXX  {$53000.00} Thank you in advance for your assistance to resolve a lost international wire transaction. The wire was initiated by our PNC Local Branch Office. The date of the wire was XX/XX/2023 in the amount of {$53000.00}. 

The wire used Intermediary XXXX and XXXX XXXX in the XXXX. The funds are from donors for the benefit of church ministries organized in the XXXX. 

There is no dispute by PNC and XXXX that the funds were wired. However, XXXX and our XXXX XXXX  office claim that the funds have not yet been received. XXXX XXXXXXXX has requested a Swift Document to aid their search. To date, the Swift Document has not been generated by PNC in their work with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This letter is being sent to you in response to a letter received by mail dated XX/XX/2024 received from your offices XXXX XXXXXXXX. Be advised that your claim is being disputed as Adverse Action has taken place. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is Securities Fraud. You are violating the Equal Credit Opportunity Act ( ECOA ) And Consumer Credit Protection Act ( CCPA ). I am the Original Creditor. It is unlawful to be denied my right to credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation