vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
I have included my dl, bill., ftc and proof that this information is fradulent. Per the information that I have read on CFPB website those are the documents needed The advocacy group is helping me due to debt bondage please delete all accounts listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: NC

Complaint narrative:
REQUESTED WITH LETTER TO REMOVAL ALL ADDRESSES AND INCORRECT NAME ( SPELLING ) AND OTHER PERSONAL INFORMATION THAT DOES NOT BELONG ON CREDIT REPORTING AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 2024-12-24 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:
Kindly examine the fraudulent and suspicious items on 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 2024-12-24 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: MD

Complaint narrative:
Subject : Request for Permissible Purpose for Credit Inquiries Dear, Experian, XXXX, and XXXX I am writing to request an explanation of the permissible purpose ( XXXX ) under which your organization has reported inquiries on my credit report under the name XXXX, XXXX XXXX XXXX. 
These inquiries appear to have been submitted to or through your agency. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are permitted to provide access to credit information only for specific purposes, such as : 1. Credit transactions initiated by the consumer.

2. Employment purposes with the consumer 's consent.

3. Insurance underwriting initiated by the consumer.

4. Legitimate business needs in connection with a transaction initiated by the consumer. 
The FCRA mandates that all credit inquiries meet one of these permissible purposes. I kindly request : 1. A detailed explanation of the permissible purpose associated with any and all inquiries reported under my name.

2. A list of entities that accessed my credit report through your agency and the reason for each inquiry.

3. Copies of any records or documentation you have on file that support the reporting of these inquiries.

If any inquiries were conducted without a permissible purpose or without my consent, I respectfully request that you investigate the matter and remove any unauthorized inquiries from my credit report. Please respond to my request within 30 days as required b
y the FCRA. You may contact me at the information provided above if additional details are needed.

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 2024-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I was paying the mortgage ahead ( trying to keep it paid 3 months in advance ), but they were holding the payments in unapplied. When I called to see why they hadn't applied the payments, they told me that I can not pay my mortgage more than 2 months ahead. There is no written information about this, it is an internal policy. The representative said that if I pay more than XXXX mortgage payments ahead, it will sit in unapplied, and I will have to call when it is within the 2 month period to have the payments applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, I deposited a hand written check from my business partner to my business account. For whatever reason, the check was denied, so the teller at the bank told me to go get a new check and to re-deposit it. 

So I did. I re-deposited the check on XX/XX/XXXX, it cleared, and I moved the money into the my personal account that same day and used some of the money for bills. It was around {$1200.00} worth of bills I paid. 

The next day on XX/XX/XXXX, my business and personal account was drained to XXXX. The issuing bank showed me and my business partner that the funds WERE removed from the issuing account by PNC. 

PNC then told me the business account was marked fraudulent, they wouldn't give me details as to why, and said they were closing my account. 

Now there is {$6000.00} of my money in limbo somewhere, I'm assuming they are holding it, and it has until XX/XX/XXXX to be resolved. I have received no updates and no helpful information from PNC Bank. 

I also cant deposit funds into my personal account now. I had a friend send me {$190.00}, both from XXXX, in which one I tried to transfer with an instant transfer to get my account back above {$0.00}, and it is still pending from days ago. This was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-24 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2024-12-24 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of the current address that you require. To make the deletion easier, here is a list of the incorrect addresses : XXXX XXXX XXXX. XXXX XXXX XXXX In XXXX The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. Again, to make deletion easier, here is a list of the incorrect spellings : XXXX XXXX XXXX XXXX XXXX Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 
Thanks so much!! 

Sincerely, XXXX 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 2024-12-24 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: NV

Complaint narrative:
Dear Experian, This is my third formal request to your agency regarding fraudulent information appearing on my credit report, and I am writing to express my frustration with your continued failure to take appropriate action. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I demand that you immediately block the fraudulent accounts, collections, and hard inquiries resulting from identity theft within XXXX business days of receiving this complaint. 

The fraudulent and inaccurate information in question includes a XXXX XXXX credit card account ( Account number : XXXX ), which was opened without my knowledge or consent. This account, along with multiple fraudulent hard inquiries and collections, has appeared on my XXXX credit report and is damaging my credit standing. 

Please be advised that I do not recognize the following : The XXXX  XXXX account Any collections associated with it The hard inquiries related to this fraudulent account These accounts, inquiries, and collections are not the result of any actions I have taken. They are entirely the product of identity theft and fraud. 

I have already submitted multiple disputes with you regarding this issue, and yet, no corrective action has been taken to remove the fraudulent information. This ongoing failure to address the issue in a timely and appropriate manner is unacceptable. I have attached the following documentation to support my claim : A copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ), confirming that the accounts, collections, and inquiries listed are the result of fraud and identity theft. 
A list of the fraudulent hard inquiries in question. 
This matter must be resolved immediately. As required by law, you are obligated to block all fraudulent information from my credit report within XXXX business days. If you fail to do so, I will be forced to take further legal action. 

I expect written confirmation from your agency that the fraudulent items have been blocked from my credit report and that all collection activities related to these fraudulent accounts have ceased. Failure to address this matter promptly will compel me to escalate this issue further.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Calling my son and other family members constantly all time of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
No action was taken by Midland Credit management Original letter from them XXXX was sent XX/XX/year> In all credit bureaus Amount reported in all credit unions is {$1000.00} Letter of Debt Validation from myself was sent XX/XX/year>. 
The information in the letter : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Asked to provide the following information regarding the alleged debt : 1. The amount of the debt, including an itemized and history breakdown of principal, interest, fees, payments made by me, and other charges.

2. The name of the original creditor and to see the signature that I put on the contract guaranteeing that I would pay this creditor.

3. A copy of the original agreement or contract showing my responsibility for this debt.

4. Asking to see if there has been any insurance claim found on this debt.

5. Proof that you are authorized and have the chain of title to collect this debt, including documentation of any transfer of ownership or assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In early XXXX I applied for a credit card ( Chase Sapphire XXXX ). On XX/XX/XXXX, I got a letter in the mail saying there was a fraudulent credit card application. It was not in fact fraudulent because I did apply for the credit card. Around XX/XX/XXXX ( 2024 ) I spoke on the phone with Chase representatives. They told me to upload documents to an email on their portal to negate this false fraud. I uploaded therefore my passport and driver 's license on the XXXX of XXXX to the portal, in response to the email. This was supposed to verify my identity so that I could get my application through. Then, again, I got a letter in the mail saying that this credit card application was fraudulent ( when it in fact was not because I did apply AND uploaded XXXX forms of identity ). On XX/XX/year> I spoke to a Chase representative. They said that because they could not " verify '' my identity with their software, my credit card application was declined. 

I am complaining because I did in fact apply and therefore it is not fraud. I followed all appropriate steps on my end and uploaded the necessary documents. Now, because of Chase denying my application and saying it's fraud, my credit score has taken a substantial hit. I am complaining because of this credit hit and because of the credit card application denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed a fraudulent charge on my Citi Cards account posted on XX/XX/year> for an amount of {$2500.00}. 

Citi Cards failed to investigate the disputed charge and did not provide to me the investigation results as promised. I've contacted Citi Cards Dispute Department many times with no prevail. Citi Cards then charged back to my account and reported to the credit bureaus as delinquency, damaging my credit.

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 2024-12-24 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 enclosed supporting docs to support my dispuite on human trafficking

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I received a text in my phone that I subscribe to Advance America XXXX Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I noticed a deposit in my bank account for XXXX dollars but i did not apply for any loan.

Company response to consumer: Closed with explanation