vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was informed by PNC Bank today XXXX that the dispute PNC Bank customer service filed for me on XX/XX/XXXX was filed incorrectly. I had been talking to PNC Bank every day since XX/XX/XXXX. The whole time, I was told to wait for the dispute team to work on my case. I was reassured that I am ok since the dispute was filed quickly. Now I find out that the dispute filed was incorrect. A new dispute is filed today. 

I transferred {$210000.00} from PNC Bank saving account # XXXX to XXXX XXXX  on XX/XX/XXXX to open a CD account. I called PNC Bank to confirm the transfer on XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX, I was informed by XXXX XXXX  that PNC placed a fraud alert on the transfer and demanded the money back. Per XXXX XXXX, they rejected my money and will close my account. 

I called PNC Bank on XX/XX/XXXX to seek help. A dispute was filed by PNC customer service for me. I found out from XXXX XXXX  that the money was from PNC account # XXXX. That's not my account. I called PNC bank on XX/XX/XXXX and was told not to worry since a dispute was already filed. I called PNC Bank again on XX/XX/XXXX and was told to call back on XX/XX/XXXX to talk to the dispute team directly. 

On XX/XX/XXXX, I talked to PNC Bank and was told that the dispute team doesn't speak to customers. The customer representative escalated my case. I called PNC Bank again on XX/XX/XXXX for an update and was told to wait. I asked to speak with a XXXX. She called me on XX/XX/XXXX and told me that there was nothing customer service can do, but I can't speak with ACH team and can't speak with the dispute team. I just need to wait for the dispute team to work on my case. 

On XX/XX/XXXX, I talked to the PNC Bank fraud department. I report suspicion of fraud being committed on my saving account. Money came out of my account but XXXX XXXX  indicated that the money was transferred to them under account # XXXX. Fraud department couldn't do anything. The case was escalated to the executive team. 

On XX/XX/XXXX, XXXX XXXX XXXX ) called me and asked to get the ACH tracking number from XXXX XXXX to prove that XXXX Bank returned the money to PNC. I called and gave the information to XXXX. XXXX XXXX, he should hear from the dispute team/ACH team by Monday XX/XX/XXXX but he would update me by XXXX On XXXX, I called XXXX. He didn't have any update and told me to wait. By this time, I got upset and filed a complaint with CFPB. 

CFPB notified PNC Bank of my complaint. PNC Bank did more research and found out that the dispute filed on XX/XX/XXXX by the PNC Bank customer service was done incorrectly. So, a new dispute was filed today. 

Now, we are back to square one, another 10 days wait. Also, the risk of losing my money is big now. 12 days passed. All the time I waited for my dispute case was wasted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I have these inquires on my credit that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an envelope in the mail on XX/XX/year> with 2 letters from the Chase Bank. One letter was in XXXX and was addressed to me, with my full address and the last 4 of my card number. Another letter was in XXXX but addressed to a different person with her full name, address, and the last 4 of three different credit cards or accounts with Chase Bank. I called the support line on XX/XX/year> and was transferred to 4 different departments. No one seemed to be able to help me understand why my account was being closed, because my letter with the explanation was in XXXX and I can not read XXXX. Also, no one could help me with the protocol to ensure my personal information was not mailed to a complete stranger on accident or any extra security steps they can take to ensure no one can access my account when dialing in using the last XXXX or commit fraud. 

I then was transferred to a rude man that told me he could provide internal feedback on the issue of my personal information being possible shared on accident and there was nothing he could do. He also stated he could not explain to me why my account was being closed over the phone, despite when I called in the 1st rep said there was a note on my account to be transferred to a department to speak with me about the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-01 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: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-10-01 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: GA

Complaint narrative:
IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

XXXX XXXX XXXX has access to very sensitive personal information without permissible use or written authorization from me, the consumer. They are not licensed to collect a debt in my state or have reasonable purpose to contact me about an alleged debt. 
Cease and Desist further reporting of the following accounts. Remove this account from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THIS ACCOUNT TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 

XXXX XXXX XXXX XX/XX/year> Acct : XXXX The " debt validating '' paperwork sent to me was not SPECIFICALLY in alignment with 15 USC 1692g. Held no actual proof this is a valid debt owed by me. 

DO NOT SHARE MY PERSONAL INFORMATION WITH THIS 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 2024-10-01 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: PA

Complaint narrative:
XXXX {$2500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-10-01 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: FL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ), a credit card account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), a Collection Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts and collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: MI

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit report associated with the referenced accounts. Upon reviewing my credit report, I have identified inaccurate information that I request be immediately investigated and removed as per the requirements of the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ).

Under the Metro 2 Format Compliance Condition Code, this information must be accurate and verifiable. I request that the following steps be taken to resolve this matter : Verification of Accuracy : Please verify the accuracy of the reported late payments, including the timeliness of the data furnished under the Metro 2 standards. I ask that you ensure the data meets the accuracy and completeness requirements.

Investigation : Under FCRA 611 ( a ), I am entitled to an investigation of any information I dispute on my credit report. As this account was improperly reported, I request that you initiate a full investigation, including contacting the creditor for accurate information. 

Correction and Deletion : If the information can not be verified or if inaccuracies are found, I request that the late payments for be promptly deleted from my credit report. Please update my credit file accordingly and provide written confirmation that the deletion has occurred. The accounts in question are listed below showing late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Copy of my credit report highlighting the incorrect information Account statements and payment records proving timely payments ( if applicable ) I expect your prompt attention to this matter. Per the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information is not corrected, I am prepared to take further action to ensure my credit report is accurate. 

Please confirm receipt of this letter and provide written confirmation of the actions taken to resolve this dispute. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently reviewed a copy my credit report and noticed. I had fraudulent accounts on my report. They are hurting my ability to obtain credit. It is found in the XXXX credit bureaus XXXX, XXXX, the account # XXXX SYNCRONY BANK  {$440.00}

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
I discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts. I've also seen some fraud inquiries. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for 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 non-monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
I discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts. I've also seen some fraud inquiries. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in Equifax. Can you also please fix that for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
I discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts. I've also seen some fraud inquiries. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for 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