vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2024-10-26 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: SLM CORPORATION
State: NJ

Complaint narrative:
These are my daughter 's loans. I am the co-signer. These loans were on a repayment program. The payment was made but their system was having a known issue. The system never recorded her payment and kicked her off of the program. When she contacted them my daughter was she to submit proof of the payment, which she did. This payment goes back to XX/XX/year>. She contacted them to have this resolved to date they have not gotten back to her with a resolution to the problem and has charged off the accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
When finding out about the balance on my credit report I knew it was not accurate, in my own findings I found out that the account was sold several times. However the balance is not correct as well as when requesting the information of the itemized statement I was hung up on by the business, told that they will force me to give them money. I asked to speak to a supervisor and they again hung up the next individual I spoke to laughed at me and said I wont get the information Im looking for and there is no information on the account. I asked several times and explain the information was not valid and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This Company is reporting Inaccurate Information on my credit report on XXXX is shows this account was paid off XXXX and on XXXX it shows it was changed of for XXXX and it has XXXX accounts numbers on XXXX the letter this company wrote me stated that the loan was XX/XX/year> but in the credit report it shows XX/XX/year> I request that they provide a 1099-C form since it was charged off but this company refuses to send me any documents regarding this account being this company reported this account as a charge-off I have the right as a consumer to see any documents regarding this account I feel as if this company is providing false information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MN

Complaint narrative:
Re : Complaint Against PNC Bank Regarding Unjustified Hold on Legitimate Business Transaction I am writing to formally file a complaint against PNC Bank, specifically PNC Bank XXXX XXXX XXXX, XXXX, PA XXXX for placing a prolonged and unjustified hold on a legitimate business transaction involving my business account. Despite providing all the necessary information to verify the legitimacy of the transaction, PNC Bank continues to hold the funds under the claim of fraud investigation and has informed me that the investigation will take an additional 30 days to resolve. 
Details of the Incident : Transaction Details : Amount of transaction : {$200000.00} Date of transaction : XX/XX/year> Payee information : XXXX Payer information : XXXX Reason for transaction : The transaction was made as payment for Services Rendered from Payee. I have provided PNC Bank with a valid invoice, and confirmation from the payee as evidence of the transactions legitimacy as well as the receiving name of the payment according to Payee DBA. This form of Business transaction is a Form of Business Trust transaction ( the receiver has to verify with the banker the payee and receiving name of the transaction ) as well as the sender.

Issue with PNC Bank : On XX/XX/year>, I received a notification from PNC Bank that the deposit related to the above transaction was flagged for potential fraud and was being held for review. The payer obviously provided transaction instructions sent to the banker. In cases involving a business trust, the bank needs to verify both the name of the payee ( entity receiving the funds ) and the receiving name ( often the name associated with the trusts account ) to ensure proper alignment and compliance. PNC is not complying! I immediately contacted the banks fraud department and provided all requested documentation, including the invoice associated with the transaction. Despite my prompt response and submission of legitimate supporting documents, PNC Bank has informed me via call XX/XX/year> that they need an additional 30 days to conduct an investigation before releasing or returning the funds.

Impact on My Business : This hold has already lasted over three weeks and is severely affecting my business operations. I have lost access to a significant amount of business and funds needed for day-to-day transactions since we just recently started getting business opportunities and to fulfill commitments with my vendors. As an independent contractor and business consultant, the extended hold is damaging my cash flow and causing undue financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I'm submitting this compliant in reference to CREDIT COLLECTION SERVICES knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont valid
ate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE XXXX AND EXPERIAN BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.

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 2024-10-26 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: NJ

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized or initiated by me, and I believe they are adversely affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any unauthorized or inaccurate items on my report. 

Please find the list of unauthorized inquiries I am requesting to be removed from my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I have had this loan since 2020. For a loan that was XXXX I have already paid over XXXX if not more. This loan should have been paid. My pay off now is XXXX. This has been stressful considering the amount of money I have already paid. I have gotten behind on other bills and having no food for me or my children. I would like a solution to this ongoing problem. They have even put my car out for repo over being behind for XXXX. This has messed with me mentally, physically and emotionally. My payments were near XXXX a month. They are currently XXXX after I had to do a no money back refinance to get it down. As they didnt tell me that before. This has definitely been a lesson learned, but to be paying on something I know I have paid off a thousand times has been over the top stressful with high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VT

Complaint narrative:
Mortgage servicer New Rez continually has billed my account with lender placed insurance, even though I have had consistently and without lapse, coverage through my insurance carrier, XXXX. 
Often times the monthly charge is over {$900.00}, typically per month it is over {$200.00}. 

I have emailed and reached out to them numerous times and provided proof of coverage to no avail. See attached supporting documents.

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 2024-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
My information was sold the debt collection agency against my knowledge

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 2024-10-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am contacting you to dispute several unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not authorized by me, and they are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure only authorized and accurate information is reflected on my credit report. 

Below is a list of unauthorized inquiries I am requesting be removed from my Experian credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
Im a victim of fraud someone Text me from chime support stating someone tried to make a purchase for {$280.00}. Ask if i authorized this and I responded No. They called me my account information last four didgitis of my Deb it card and my last four digits of my social are correct and I said yes. Then the man told me to open the chime app and to verify the cold he sent me through the app I verified the code, soon as I verified the code got off the app they told me they were going to send me new cards within 5-7 business days. When I checked my account they stole {$3700.00} out of my account sent the money to an email address that was made with my name and the amounts they took out of my account and hey sent money to a person I have no knowledge of. I called Chime told them what had happened and they denied my claim. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Commenity bank has been hard to deal with from the beginning. I bought a laptop from XXXX, and I used to make payments ( more than the minimum ) to XXXX. From XXXX day to another, now community banks appear. There were XXXX instances when I made XXXX payments, and those payments did not go through. However, Commenity never notified me that those payments were unsuccessful until I just kept seeing my statements getting fees. Now, they are charging residual interest. 

In addition to that, I set up automatic payments. However, they never charged my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NM

Complaint narrative:
Demanded statement of accounts not to be confused with account statements. billing error and impoper payments. Demanded proof of Funding in regards to all {$1300.00} payments made within the cash app to another cash app memeber also a payment to XXXX  XXXX and revenue for {$3300.00} erounously dishonered as well as {$1800.00} XXXX payment that shows they have recieved credit for both of those amounts and provided customer service with copy of UCC 3-603 and public law 73-10 and provided them with library of congresss certified copy of statues at large and cited truth in savings act and provided certificate of trust and Form 56. Cash app non compliant and two checks mailed from ny bank has not been credited and when asked about it they said im sorry i dont understand can you provide me with more information and since im the beneficiary they have failed to do as instructed and have not addresed billing errors or improper payments and no explanation why checks mailed by my bank not by my hand with proof from bank checks for {$9000.00} each and funds have been deducted from account already so i need proper credit and proof of funding for every {$1300.00} payment made to XXXX XXXX XXXX my landlord is claiming payment not recieved and for some reason Cash app is dodging request and avoiding my concerns leads me to believe they are not able to produce and if thats the case and i know it is they must issue credit regardless of dollar amount they recieved credit so how can they figure i am not entitled to same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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