vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I discovered that I am victim of various financial fraud. All of my personal bank accounts were compromised. I contacted PNC bank as soon as I could positively identify which transactions were fraudulently induced. They have issued me a credit of {$5000.00}. However, there were other wire and XXXX transactions that was fraudulently induced as well that PNC bank decided not to return to me of {$75000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: AL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-12-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Re : Compliance Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. XXXX and Equifax are reporting these accounts as current with no derogatory information yet you XXXX are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Hello, I have been a Victim of Identity Theft.

The account that Amsher Collection Service is trying to collect from me was opened without my knowledge or consent. 
Now, they're reporting a collections account to my credit report and I do not think that is fair. 
I did not open that XXXX account nor did I profit any gain from this account. 
I have been dealing with Identity Theft this whole year and I feel like I can not ever escape it. 
Please tell this creditor to stop harassing me, emailing me, calling me and reporting this collection account to my credit. 
I have told them already to stop contacting me and to stop reporting this account because it is a result of Identity Theft. 
Please tell them to stop. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
The accounts listed below are fraudulent and were opened without my consent or knowledge causing these accounts to be reporting inaccurate and I demand these inaccurate accounts be DELETED from my credit report immediately XXXX XXXX XXXX XXXX XXXX ) : Identity Theft XXXX XXXX  XXXX XXXX XXXX ) : Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXX XXXX- ( XXXX ) -Identity Theft XXXXXXXX XXXX XXXX- ( XXXX ) : XXXX Theft XXXX XXXX XXXX- ( XXXX ) 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-12-21 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: SC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate 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 2023-12-21 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-21 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: FL

Complaint narrative:
Hello, Back in XXXX, I received a check from the XXXX for {$180000.00}. I deposited the check into my BoA Business Checking account and the account has been locked ever since. I have not been able to access not even a PORTION of the money. It seems that sometime between the initial blocking of my account and today, BOA has closed my account and claims they issued a check back to the XXXX. 
I have caught BOA lying multiple times. I've called the XXXX and they have repeatedly told me that they have not received a check from BOA. In fact, the original check was made out to my business/me therefore the refund should've been issued to me. In the eyes of the XXXX, the check they originally sent me was deposited. 
Please have BOA conduct an investigation on where that check is and have it immediately reversed and sent to me. 
It's alot of money and I am very nervous something might have happened to it. 
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 explanation
Consumer complaint received 2023-12-21 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:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo suspended my account XX/XX/2023. The account had {$370.00} inside the balance because the account locked after receiving money. 

I contacted them same day via their email to contact they provided after suspension. After this, they took until XX/XX/XXXX to reply back. ( They only reply at midnight so you can not properly resolve your issue. ) Their reply asked for my Identification card which I provided instantly. It took them until XX/XX/XXXX to reply back stating they are now finally escalating this to the " speciality team. '' Who was I sending my information if not the people who would reinstate my account? Useless runaround to keep my funds. 


It has been a total of XXXX days trying to get my funds back from this company, an absolute nightmare. I have kids to feed, absolutely insane of them to keep my funds for this long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: VA

Complaint narrative:
Re : Compliance Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. XXXX and XXXX are reporting these accounts as current with no derogatory information yet you Experian are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help 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 2023-12-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX dollars fraud charges made on my account XXXX months ago. They were remove by the other two XXXX and XXXX  a month ago. I have spent many hours trying to get equifax to look inot it they have lied and lied to me and give answers. I have contact XXXX XXXXXXXX many times they said this should have been resolved by equifax. I have had it and ready to sue equifax for not resolvin gthis after many attemts trying to get them to. They need to restore my credit ratin gto what is was and remove the fraud charges on XXXX XXXX card like the ohte two did over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-21 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-21 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: LA

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Case Number # XXXX On XX/XX/2023 I went to XXXX which is a know auction site and attempted to purchase two diamond rings for {$1100.00} online from third-party seller XXXX XXXX XXXX XXXX XX/XX/2023 After receiving invoice but no shipping or tracking information I emailed and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a rude XXXX XXXX agent over the phone, that let me know I would never be ordering from this company again. Then The Same day I received a reply email with the shipping & tracking information and when checked, item had been created with XXXX XXXX. Tracking # XXXX XXXX XXXX 
XX/XX/2023 item successfully, delivered to address on front door step and received by me and my wife. Upon inspection all temper evident was sealed and shipping bag was taped well. After opening package and noticing none of my online purchase items were inside packaging. I immediately called seller and gave them notice that both items were not received and I immediately receive rude and suspicious treatment, so immediately I called my credit card company capital one to dispute transaction XX/XX/2023 Item was removed from credit card account, but charged back XX/XX/2023 my dispute letter was denied XX/XX/2023 and now Im reaching out Because I know and believe that XXXX XXXX is defrauding its customers and have reached out to host site XXXX & have been told that they have had several Claims This Year also about empty box shipments and items not being received. from this third-party seller XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: OH

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within XXXX hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-12-21 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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