vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: DC

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Personal Cash Loans of SC, Inc.
State: GA

Complaint narrative:
I borrowed XXXX $ from company kinsmith finance in XXXX XXXX, GA. I have all receipts proving I paid loan in full. I even got confirmation from the manager of the location that I dont owe anything else after final payment of {$190.00}. After a few months of no longer doing business with company, they call back saying I owe more money ( XXXX $ ). My last payment was {$190.00}. I also have receipts of every payment Ive made. Ive told them constantly to stop calling and delete my files. They constantly harass me with phone calls and voicemails. Ive told them to please stop calling due to the fact that Ive paid the loan off in full as instructed by the manager of the facility. It even went as far as one of the crew members there hung up in my face after explaining to them that I owe them nothing. Then a few weeks later called back. Its mentally draining XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX I deposited my IRS tax refund check at the ATM in XXXX. The check was for XXXX XXXX  the problem is that I cant access my funds which is impacting my bills I understand that there is a time frame for these things but I dont understand why my account is restricted when I didnt do anything wrong. When I called about the issue the lady stated 30 business days to verify my check when I dont have that type of time is there anything to do to speed up this process. please help just want access to my funds.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The debt collection company has negatively affected and impacted my credit score and reports by submitting fraudulent claims and fraudulent statements to several credit agencies and has made multiple attempts to threaten legal action against me for a debt I have no knowledge about I have made numerous complaints and have disputed this matter to all known credit agencies this collection company is fraudulent filing and submitting false claims to the credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Removal of XXXX XXXX Bankruptcy Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 Bankruptcy Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date Bankruptcy Status Last Updated : XXXX XX/XX/XXXX Dear Sir/Madam, I am submitting a formal complaint against LexisNexis Consumer Center for their failure to comply with the applicable laws under the Fair Credit Reporting Act ( FCRA ) regarding the bankruptcy information listed on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( FCRA ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), it is clearly stated that if the original creditor has not provided any information to the credit bureau regarding an account, the information must be removed immediately. I have submitted an affidavit along with a formal request to the credit bureau indicating that the original creditor has not provided any valid or updated information regarding the bankruptcy that is currently listed on my credit report. 
Additionally, under 15 U.S.C 609 A1 and 609 A2, I have the right to receive accurate and complete information in my credit report, and any data that has not been verified or that does not come from a reliable source must be removed immediately. 
To date, I have not received any evidence from LEXIS NEXIS that the original creditor has correctly reported the bankruptcy. This further supports my position that the information should be removed from my credit report immediately. 
" I demand the immediate removal of the bankruptcy and all accounts included in it Name of Account and Account Number : Bankruptcy Filing Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching a copy of the court affidavit to further support my claim. This document demonstrates that the original creditor has not provided any information to the credit bureau regarding the bankruptcy, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX {$6800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$270.00} XXXX {$340.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a HELOC with PNC in XX/XX/XXXX for {$180000.00} to do home improvements and payoff a small existing XXXX mortgage of XXXX. At the closing table the terms were different than disclosed and described. I required to pay XXXX XXXX XXXX  payments not interest only. Under pressure of commitments to contractors, I moved forward with the loan. I utilized the full draw and made payments for XXXX. My understanding was that there was a XXXX draw payment with a XXXX repayment after the draw period. On XX/XX/XXXX, I was given the option to move the balance to a fixed rate with a payment of principal and interest or a fixed rate with an interest only option for XXXX. I received nothing in writing and received only a phone call to make this decision. I chose the interest only option with the understanding there would be a repayment of XXXX similar to the XXXX XXXX XXXX option. I was verbally assured of this at the time of this decision. The XX/XX/XXXX I received a notice that there is a balloon payment due in XXXX. This conflicts with the language of the original note and the document I signed. At no time was it made clear to me either verbally or in writing that choosing the interest only would trigger a balloon payment XXXX yrs later. 

I have asked PNC to prove to me in writing and in conversation that they disclosed the balloon payment. I maintain that the language of the original note in vague and misleading and the subsequent lock document to be the same. 
I am simply asking for PNC to allow me to pay the loan back by XXXX as originally agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, on XX/XX/XXXX I sent a certified letter to Transunion requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Account XXXX XXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX  XXXX XXXX Account Number : XXXX ( TransUnion ) Date Opened : XX/XX/XXXX ( TransUnion ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( TransUnion ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report. 
15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account.

3. The procedures used to verify the disputed account and determine its accuracy.

If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion via XXXXcertified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). My letter contained a request to investigate negative items on my credit report that are reporting with discrepancies and inaccurate information, including a bankruptcy that lacks essential details, and incorrect personal information. To ensure that my identity could be verified, I included the necessary documents, such as a copy of my government-issued ID, Social Security card , and proof of address, in compliance with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite giving TransUnion the legally required time frame to respond to my request, I did not receive any response. This disregard for my dispute violates my consumer rights under the FCRA, which mandates that credit bureaus must conduct a reasonable investigation and provide a response when consumers dispute the completeness or accuracy of items on their credit reports. 
As my request has been ignored, I feel my rights as a consumer have been violated, and my efforts to rectify the inaccuracies on my credit report have been disregarded. Under the FCRA, credit bureaus are required to conduct investigations when consumers dispute negative items and ensure that all information is 100 % accurate.

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 2024-10-02 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: MO

Complaint narrative:
My account with EQUIFAX 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 to be updated.

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. 


EQUIFAX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed that my credit report is inaccurately showing late payment marks that do not reflect my actual payment history. These late payment marks are incorrect, and I have included documentation that supports the timely payments I made during the reported period. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate information on credit reports, and these late payment marks are a violation of that requirement. 

I am requesting that the inaccurate late payment marks be corrected 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 explanation
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-10-02 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: CO

Complaint narrative:
I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802.

U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed.

U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported.

U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. 

The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. 

Thank you for your prompt attention to 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 2024-10-02 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: GA

Complaint narrative:
XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX These accounts are all fraudulent accounts opened in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. My only address should be XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. When I came home it was to my home address of XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief