vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: OR

Complaint narrative:
I am disappointed with how my previous complaint has turned out. Verifying my dispute is not enough, and I made it clear on how badly I wanted this account removed from my report as it has affected me financially and mentally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: NY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Accounts name : XXXX  Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Accounts name : XXXX  Number: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 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I've been having issues since I signed up for PNC checking account. I never received my debit card. Then, it took an hour for the XXXX branch to print a card. The banker was more interested in trying to get me to sign up for XXXX accounts instead of the XXXX. The ATM is always out of order. I can not add XXXX XXXX. It keeps saying it can not be verified. I was told someone would follow up. PNC assigned me to XXXX XXXX who has been out of the office on vacation for over a week! I responded to her email as soon as she sent it! When I reached back out again, I was told someone else would reach out. That never happened. I've posted multiple times on social media asking for help. 

Yesterday, I spoke with an agent named XXXX who refused to let me speak with a supervisor or even another agent. He sat on the chat for almost XXXX hours. At one point, he told me I needed to " be careful '' in XXXX. I have a screenshot of the conversation. After this, my account was suspended and I can not access it or my funds. I informed PNC of this already. No one has followed up still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 explanation
Consumer complaint received 2024-08-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Hello, I have tried making an attempt to do a settlement with an agreement of deletion letter company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX I have spoken with a lady XXXXXXXX XXXX XXXX  on XX/XX/year> this lady was rude very asked her to speak with her supervisor to see what we could do to work out an agreement being this is abought debt, and you pay for pennies on the dollar. I asked that I could pay {$500.00} to settle and the lady laughed at me and the supervisor said no. I asked her if she could try to further discuss it with him and see if we could work something out, she said she would talk to him I told her I would be able to call her back at XXXX that same day she gave me a number to call XXXX ext XXXX. I called at XXXX and did not get an answer I continued to call up until XXXX XXXX that day, Then the following morning I attempted to call and kept getting transferred around to different people and hung up on. Then XXXX XXXX called me and left a very hasty aggressive voicemail. I missed the call being I was at work and kept trying to call back when I had a moment. I continued to call for the rest of the day and a lady would answer the phone I would tell her who I was and that I was returning a call to speak with XXXX XXXX, she told me to hold and transferred me and I got hung up on. I called back a lady answered the phone I told her I was returning a call for XXXX XXXX I was transferred and put on hold for over XXXX minutes, and I have proof because I screen recorded everything. The employees are very unprofessional will be doing a business complaint with XXXX being I see that the company is not BBB accredited as well as a Consumer Complaint I have already started the disputes in action with the bureaus and will pursue further action to get this matter resolved. This business should be looked into for their practices and unprofessionalism as well as attempting to collect money from people and not being XXXX credited it seems as if they may be scamming people out of their money. I have made reports with each credit bureau in reference to this matter requesting a validation letter the company Nelson Cruz & Accoiates is also getting the same letter certified. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts do not belong to me. 

XXXX. XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-08-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: MD

Complaint narrative:
Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$1000.00} Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$840.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: NM

Complaint narrative:
I received a phone message from this company, which did not identify itself. I called back and asked the name of the company and the person continued to speak over me. I stated I had been the victim of identity fraud and did not owe the debt. The man did not register that I had spoken. Said he was referring it to the credit bureau and hung up on me. 

I have never received documents or other correspondence from anyone regarding this debt. 

They continue to leave messages, but when I return the call, they tell me there is no process for remedy and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
These inquiries are unrelated to me, and I have no association with the mentioned creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Act. number XXXX Open XX/XX/XXXX amount {$580.00}, XXXX XXXX ( XXXX XXXX XXXX XXXX ) account number XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and CMI with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.

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 2024-08-29 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I repeatedly told them I did NOT HAVE Anybody as OF WHO WOULD DO This TO ME, and by law if I did not open any account under my name online have to be cleared asap!. Thank you in advance

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my student loan accounts on my Equifax credit report. Recently, I noticed that XXXX of my student loan accounts were erroneously changed from " open '' to " indeterminate, '' resulting in a drastic drop of over XXXX points in my credit score. This information is incorrect and has had a significant negative impact on my credit rating. XXXX and XXXX continue to report these accounts as open, which is accurate. Therefore, I am perplexed and concerned as to why Equifax is furnishing inaccurate information. This discrepancy constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I sent a dispute letter last month which I will attach that is dated and time stamped for your reference. As of date, Equifax has failed to explain why they changed my accounts from open to indeterminate and they have also failed to change the account back to open. Enclosed with this complaint is the true bill documenting the violation of the aforementioned accounts. I request that Equifax immediately update the status of these accounts to " open '' to reflect the correct information. I am also filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-29 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: IN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-08-29 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: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-29 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: SC

Complaint narrative:
I have informed all 3 credit bureaus that Iam a victim of identity fraud

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 2024-08-29 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: SC

Complaint narrative:
I have informed all 3 credit bureaus that Iam a victim of identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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 am filing this complaint because several fraudulent accounts remain on my credit report despite my efforts to have them removed. I have already filed an FTC Identity Theft Report regarding these accounts, but they continue to appear on my report, causing significant harm to my credit. 

These accounts were fraudulently opened in my name without my consent or knowledge. Despite submitting the FTC Identity Theft Report and notifying the credit bureaus, these fraudulent accounts have not been removed. This ongoing issue is severely impacting my ability to rent an apartment for my children, as my credit report is being unfairly tarnished by these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief