vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2023, I mailed the attached letter to XXXX to have incorrect addresses removed from my credit profile. I included a utility bill and copy of my driver 's license. To this date I have not received any correspondence from the company regarding this letter. I have attached the letter that was mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
This credit was paid in full at XXXX XXXX was sold/securitized and is actively traded for profit/gain by this fraudulent company. The finance charge is the sum of all charges and still this company has forced insurance that I must pay monthly and that has paid them in full for this credit repeatedly. This pretend lending company will not send me a full accounting of the money they have made off my promissory note/loan of which I am a investor. Nor have I received any money off this mortgage backed security. I have requested a full accounting from this so called corporation of on and off ledger/accounting in writing. I have also asked for proof of actual funding of loan/cash receipts. I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Milestone continues to report inconsistent and incorrect payments history. I have disputed the account many times and each time they respond with a different payment history. The 3 credit bureau all have different information. Each month my account gets updated with different information that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Have requested to get me the proof that this is my account? So far Answer from XXXX XXXX or from Experian is only for one item which was deleted but same time another account there is no report and still showing in my report. 

I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX XXXX Unable to write to them or call them There Calling center is closed. only one issue has been resolved report XXXX XXXXXXXX for XXXX XXXX XXXX What happened to another discrepancy for the almost same amount from XXXX XXXX? My complain was for both items to be deleted or proof to e provided. 

So, this report stands on my Credit report, now every other Credit agency XXXX XXXX and XXXX also lower my Fico scores. Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? Respectfully, 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On saturday XX/XX/, venmo suspended my account with {$1100.00} of my money in it. No explanation of their reason was given, now without access to my funds i can not use this money to pay my bills. The company has not allowed me to speak to anyone who can tell me why they suspended it and took my money nor can they tell me when I'll have access to it again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Our PNC Core Visa was set for auto-pay every month. There was an error when setting up auto pay and rather than having it set for the XXXX of every month ( card 's due date ), it was set to the XXXX of every month. Due to online statements, and the fact that the card was not being reported as late, we did not notice that we were being charged late fees since XX/XX/2023. When I called PNC and spoke to both a customer service representative AND a supervisor, I was told that they would only refund one month 's late fee. The unfairness here is that PNC was BOTH collecting their minimum payment due on the account AND a late fee for payment that was received within 48 hours of the due date. PNC has reaped {$100.00} in late fees from us, even though they've been receiving their regular payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/, two accounts were fraudulently accessed via a TD Bank ATM at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. Withdrawals of {$300.00} and {$400.00} were conducted on my Savings and Checking account, respectively. These transactions were not authorized by me. My card had always been in my possession and further to that, I have never shared my PIN with anyone. I contacted the Fraud Dept at TD Bank and filed a dispute on XX/XX/, and was assigned Claim Number XXXX. Upon their alleged review of my dispute, TD Bank determined an error did not occur, even in light of the transactions occurring in New Jersey, when I reside and work in XXXX and ATM transactions are absolutely out of the ordinary for my account. TD Bank has not credited my account with the missing funds. In my frustration, I reached out to the Headquarters in XXXX, who directed me the XXXX XXXX XXXX. They instructed me to press charges. I then contacted the XXXX at the XXXX XXXX and was instructed to file this report. 
This horrifying experience has caused great distress as I now imagine my identity is exposed and my financial information has been compromised. I hope this can be reviewed diligently and I am fully vindicated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a XXXX account on my personal consumer report that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
For the last two months Ive had new debit cards added to my account without me requesting them and Im canceling them but for some reason PNC bank is charging me {$7.00} per card replacement in which is never in my possession, and has not been activated. PNC bank offers the option to 1. Report card lost or stolen.!! 2. Or replace card!! Im picking option 1 but not requesting a new card because I dont order the debit card and its never in my possession however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I purchased food on XXXX XXXX  through cashapp using my cashapp card. I had an issue with a promo code for XXXX XXXX so i contacted their support team. The support agent told me to buy the food at the full price then to contact them again so they can refund me the amount that the promotion wouldve taken off ( which was {$20.00} ). I contacted them three times in one day and no one tried to help me. I wouldnt have purchased the food if I was going to have to pay the full price, thats why I was trying to use a promotion. So i was mislead. I filed a dispute with cashapp and provided evidence of what the XXXX XXXX  agent told me, and my dispute was denied. It said no error occurred. This is sad that I was tricked into purchasing something and was told false information so the company can take my money, and the fact that cashapp has done nothing about it speaks volumes. Ived used cashapp for years and I cant believe they treated me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Notification and notice of insurance claim deposit and credit not available in account to use. Notice of fraud and theft by company. Notice of deceptive business practices acts

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question. 

First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.

I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.

Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt.

Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.

5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft i have some unauthorized fraudulent inquiries listed on my report.see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/2023 I received a letter from Bank of America Stating they were closing my checking account. I have never done any type of business with this bank. I called them on XX/XX/2023 and started a complaint for the fraudulent opening of an account in my name. I received a bank statement for period of XXXX XXXX XXXX XXXX showing a negative balance of {$290.00}. All transactions showing for this account were done through XXXX. I provided all documentation Bank of America requested and eventually the sent a statement to me showing a XXXX balance. I have been working with my representative through our identity theft protection company to try and resolve this and receive documentation stating that I am not responsible for this fraudulent account but they still have not sent me anything even after stating they would email something to me. We have called them several times and still have not received the documentation.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion continues to ignore and deny my numerous requests for description of procedures used to verify two alleged XXXX accounts as accurate. There are multiple violations of my consumer right to have accurate reporting that is fair and equitable. On XX/XX/23 and XX/XX/23, requests were sent via certified postal service requesting evidence and documentation. The responses to my request did not address what was required. During my phone conversation XX/XX/23, XXXX sent my accounts for maintenance. I was told he saw two different files, and to wait to see if the maintenance would clear the issue with the account reporting. I have found evidence of more than two files with Transunion. I have also found discrepancies between Transunion and XXXX which confirms the inaccurate reporting. During my last conversation with Transunion, today XX/XX/23, I was told " we dont provide description of procedure. '' I read the Transunion document, " Should you wish to receive the above description of the procedures we used to investigate your dispute in a separate communications for you records, please contact Transunion. '' I was then told, " no, we wont send you a description. '' Per 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ), a notice that, if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted i connection with such information and the telephone number of such furnisher, if reasonably available.

Per 15 U.S. Code 1681 ( i ) ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in the paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description.

I would like to know what information was verified? Have I given these alleged accounts lawfully authorization to report my personal information? Where is the documentation? My right to privacy is also being violated. Both XXXX and XXXX have removed the fraudulent accounts. Transunion should do what is right by me as a consumer and remove the two alleged XXXX accounts.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-06 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We purchased a mattress from XXXX XXXX that has been defective and we have had it less then a year. The mattress company unfortunately has gone out of business. Probably because they are terrible quality. I have sent the mattress back and I filed a dispute with Wells Fargo credit card on XX/XX/XXXX and they still havent updated anything on it and its now XX/XX/XXXX. I understand things may take a while but I dont understand why its taken this long.

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