vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC accepted my application for $ XXXX in a home equity loan late XXXX. Upon signing, PNC told me I would have a locked-in rate. They then split the loan into 2 segments. $ XXXX and $ XXXX. They also opened a checking account and 2 savings accounts " as a favor. '' I told them I did not want the savings but insisted I sign anyway, claiming I could just close them. After a few days, $ XXXX appeared in the account, and the remainder was missing. Upon now 8 conversations that have led to these issues. 

1. I have to request the money transferred and go through another process, not discussed.

2. I requested they submit the funding multiple times, yet no movement has occurred in a month.

3. I was insulted, and a manager told me, " I don't know how loans work. '' I thought they gave me an agreed-upon amount of money, and I paid it back with installment payments plus interest. 
XXXX. I was just told the $ XXXX was not a locked rate. I was repeatedly assured I have a locked rate on the full amount. 
XXXX. I now get multiple calls a day from them explaining the loan is $ XXXX, yet I can not answer why $ XXXX is not transferred. 

PNC now has equity in my home without completing the transaction. It has become active refusal to correct as " no one has authority '' to complete the agreed transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FIRST : XX/XX/XXXX - requested unfreeze pin ; first by automated system, then by submission via online to https : XXXX SECOND : XX/XX/XXXX - repeated unfreeze pin request via https XXXX XXXX ; attached a letter that stated " When I attempt to access my account, your system says my user name ( XXXX ) does not exist. But when I provide my DOB and SSN, it emails me and says Here is your username : XXXX. I am unable to get verification out of the auto attendant system using my phone # and last four of SSN THIRD : XX/XX/XXXX a boilerplate / standard response to my XX/XX/XXXX request for help was mailed. Reference " Report # XXXX for XX/XX/XXXX ''. This response redirected me to the automated system XXXX that will not accept my info and hangs up on me with no option to speak to a human. 

FOURTH : XX/XX/XXXX - called XXXX and was able to speak to XXXX, a male in the regulatory area, care 2 level. He indicated 2 issues with my account : 1 ) He said the freeze pin was no longer on my account AND 2 ) my membership showed as " inactive '' but all info was still there. He said he re-set my freeze pin BUT an issue with my membership remains. He told me to contact " membership '' at XXXX. When I try this, I get stuck in an automated system that will not verify my credentials and I'm unable to get to a human.

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 2025-01-30 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: NY

Complaint narrative:
.According to the FCRA XXXX I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I just checked my credit report, and this account XXXX XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you send that over? And Id like to see proof that I owe {$1500.00}, because I dont owe it. 
Just so you know, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) says if you cant verify something, it has to be removed. I look forward to you fixing this!

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 2025-01-30 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: NJ

Complaint narrative:
UPON ME PULLING MY CREDIT REPORTI NOTICED ACCOUNT AND HARD INQUIRIES THAT WERE NOT MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

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 2025-01-30 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: FL

Complaint narrative:
To Whom It May Concern, I was monitoring my credit report and seen that there are hard inquiries on my credit report that dont have permissible purpose on them. According to the fair credit act. Anything furnished on my credit report should reflect Permissible Purpose according to 15 USC 1681 B. 

Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items need to be deleted off my personal credit file.

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 2025-01-30 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I have reviewed my credit file and identified multiple inquiries that I did not authorize. These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a credit bureau may only furnish a consumer report when permissible purpose exists. Since I did not initiate or authorize these inquiries, they must be removed immediately. 
The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681b ( f ), a party requesting my consumer report must have a permissible purpose. Since I did not apply for credit, loans, or any services that would justify these inquiries, these entities lacked a permissible purpose, and thus, the inquiries must be removed.

Additionally, 15 U.S.C. 1681i grants me the right to dispute inaccurate information in my credit report and requires TransUnion to investigate and correct any unauthorized or erroneous entries. 
I demand that TransUnion : Conduct an immediate investigation into these fraudulent inquiries. 
Remove the unauthorized inquiries from my credit report. 
Provide a written response confirming the deletion of these inquiries. 
Disclose the name and contact information of each entity that requested my credit file. 
I have attached a copy of my drivers license, and a ftc affadavit for identity verification. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of these removals.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I am filing this complaint against Flagship Credit for violating my consumer rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), and other applicable laws.

Flagship Credit charged off my vehicle loan in XX/XX/XXXX and reported it as a charge-off on my credit report. However, they later changed the status of the account back to an active loan, which is inaccurate and misleading. This constitutes a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information to credit reporting agencies provide accurate information. 

On XX/XX/XXXX, I contacted Flagship Credit requesting a 1099-C Cancellation of Debt form, as they had charged off the debt. However, they failed to respond, violating my rights under the law. Since then, my vehicle was repossessed and sold for {$8800.00} on XX/XX/XXXX. Despite this, Flagship Credit continues to report a false and inflated balance on my credit report, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits the reporting of inaccurate or incomplete information after notice of the dispute.

Additionally, their actions may violate the FDCPA under 15 U.S.C. 1692e, which prohibits false or misleading representations regarding a consumer debt. The continued reporting of inaccurate information also harms my creditworthiness and financial standing.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
To Whom it May Concern : I am submitting this complaint regarding XXXX XXXX and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX Data Breach. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1.XXXX Credit limit {$9700.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts 2. XXXX XXXX XXXX credit limit {$6100.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts 3. XXXX XXXX XXXX limit {$2500.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts 4. XXXX XXXX XXXX limit {$3300.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ). 
I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information. 
3. Remove any inaccurate or unverifiable information from my credit report immediately. 

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I submitted my online disputes XXXX. 
Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
To Whom it May Concern : I am submitting this complaint regarding XXXX, XXXX, and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX XXXX XXXX. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : XXXX Credit limit {$9700.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. XXXX  XXXX XXXX credit limit {$6100.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. Citi Card XXXX limit {$2500.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. Citi Card XXXX limit {$3300.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ). 
I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I submitted my online disputes XX/XX/24. 
Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely

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 2025-01-30 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: PA

Complaint narrative:
I am writing to file a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ). On XXXX. I sent a letter to Equifax requesting an investigation into the completeness and accuracy of the following account : Account Name : XXXX XXXX Account Number : XXXX 1. Despite my request for investigation, Equifax failed to take appropriate action as mandated by the FCRA. Specifically, Equifax neglected to comply with the following provisions : 2. Violation of 15 USC 1681i ( 5 ) : Equifax failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Equifax affirmed the accuracy of the disputed information without conducting a proper reinvestigation.

3. Violation of 15 USC 1681s-2 : Equifax unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate.

4. Violation of 15 USC 1681i ( 7 ) : Equifax failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law. 


1. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file. 
Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file. 
A detailed description of the reinvestigation procedure conducted by Equifax. 

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
I am writing to request validation of the debt associated with account listed with Plaza services LLC, Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt. 

Please provide me with the following information : 1. Chain of assignment and any validation of debt contracts.

2. Signed contract between said responsible party listed and Collection company Plaza Services LLC.

3. Documentation that confirms I am responsible for this debt with Plaza Services LLC for said account. 

Please cease any collection activities until this debt has been validated. I look forward to your prompt response.

Company response to consumer: Closed with explanation