vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX, I was the victim of identity thief. I filed a report with the local police and with the FTC ( Identity Thief Report ). This breach impacted my mailing address ( changed with USPS by criminal ), my bank accounts, my driver 's license, credit cards and all three credit agencies. I closed the impacted accounts and placed a credit freeze, along with a 7 year extended fraud alert with all three credit agencies. ( Experian Report # XXXX ) In XX/XX/XXXX, I received an email from Experian stating that my personal information had been updated. Once again, someone had accessed my Experian account and changed my email and phone number. I contacted Experian ( Report # XXXX ) and was asked to mail a copy of my driver 's license, social security card, and a recent utility bill to them. I did this and they removed the false information. 

On XX/XX/XXXX, I received 4 emails from Experian. The first XXXX were each about XXXX minutes apart. The email said, " Thank you for contacting Experian customer service. '' The fourth email was about 2 hours later and said that my personal information had been updated. 

I contacted Experian and was asked to mail them my driver 's license, social security card, and a utility bill. ( XXXX XXXXXXXX ) I am so frustrated with this endless loop. The sequence of emails saying thank you for contacting Experian, indicate to me that the person simply keeps calling until they get an agent that is poorly trained. The fraudster eventually gets someone that will change my personal information with a single phone call. When I ask them to put it back to what it has been for 2 decades, I have to mail out my personal information once again putting it at risk. 

Given the serious consequences associated with HIPPA violations- disclosing ANY personally identifiable information, it is hard for me to fathom that a company that is this incompetent ( Experian ) at maintaining protected information is allowed to continue having access.

I genuinely have no idea how to stop this. It is the same person or organization from XXXX, because they used the same mailing address in XXXX and XXXX. They will not give up. They will continue to go to Experian, because they know that they are an easy target.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern.

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 2024-03-07 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-03-07 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: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MD

Complaint narrative:
Requested debt validation to be sent for this account IQ DATA INTERNATIONAL Original creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/year> They refuse to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I currently have a complaint ID XXXX was submitted on XX/XX/XXXX and the status is still open and waiting for the company to response is in progress as of XX/XX/XXXX. 

After I submitted the complaint I received an email and a voicemail from PNC and her name is XXXX XXXX. She requested me to send her the documents the same documents that I had already sent to the PNC Bank in XX/XX/XXXX when I was requested. I also sent all the required documents to them and now XXXX XXXX is requesting me to send it to her again and I feel thats unfair for me because they should have it saved on file in a safe place for their clients privacy and protection.. 
I feel that PNC Bank is not trying help me at all and they have all kind of excuse of the reason why they cant close my checking account when I told them many times I would like to close my checking account and I dont trust them so please close my account and give me back my hard working money that was in my checking account. 
They wouldn't close my account but sending me emails saying I can view my online account statement online by login in to my online account and its a lie because they restricted me from having any access to login even though I had called them so many times and its still restricted up until today and it has been 2 years. 
I didn't get any respond back from XXXX XXXX yet.. I had email and also left her voicemail want to know if I can at least view my statement. 
I attached screen shot of the emails I emailed her and also a copy of emails I received to view my online account statement but I cant because they restricted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
The company responded to my credit report complaint and attached a transaction history which has false information. 

Transaction history shows on XX/XX/XXXX XXXX days past due when payment was made XX/XX/XXXX XXXX  $ {$320.00}. 
The next line shows XX/XX/XXXX assess fee to account and reflects XXXX days past due. 

From XXXX how do we go from XXXX pays due to XXXX past due in 1 month and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon review of my consumer credit reports, I found various public violations including balances, account statuses and unknown transactions without consent or authorization from 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 2024-03-07 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:
Upon review of my consumer credit reports, I found various public violations including balances, account statuses and unknown transactions without consent or authorization from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX  ) || Account 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2024 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. These are the words of the company Department of Education/ XXXX that the student loan does not belong to them they sold the private information to a company so with them admitting that the loan is not there it should be reported as inaccurate reporting 15 USC 1681also see USC 552 ( a ) 16 CFR 313.7 and 16 CFR 433.2-433.3

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I stayed at a hotel and they charged me an extra {$200.00} fraudulently claiming damage. There wasn't any incidental charge possible I only let them charge me for the two nights stay on this credit card, chime credit builder. The first night at this hotel, I used a different card for a different bank and it included a refundable {$100.00} for incidentals that was supposed to be refunded to that XXXX account. 

They told me it would be refunded the same day when I checked out. 

I disputed the {$200.00} charge from XXXX XXXX XXXX in XXXX PA to Chime, but it was denied. 

I also will file a separate complaint because my dispute with XXXX was denied as well they refused to refund the {$100.00} incidental charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I received a real estate tax bill from my county taxing authority. I called my lender/servicer PennyMac and emailed them a copy of the delinquent tax bill. For 38 days they have not been responsive. I've provided a fresh tax certification to which they still refuse to pay my taxes that are due. I'm facing sherrif 's sale because of PennyMac 's dereliction of servicing duties. two of the CSRs at PennyMac have laughed at me. Time is of the essence. I need someone to stand on their necks a bit.. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
Company claiming to be XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, FL, XXXX. XXXX. 
Attempting to collect payday loan debt not taken or owed. Citing company I haven't worked for for 10 years. Naming multiple family members names. Claiming wire fraud. Demanding immediate payment. Threat to destroy my good credit rating. Called the creditor they claim to represent and I was informed that this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I called on XX/XX/XXXX to check in to the annual fee that was going to be assed the following statement date to be generated today XX/XX/XXXX. I am not paperless, as of this date I have not seen the statement but was able to view it on line. The annual fee starts on XX/XX/XXXX to XX/XX/XXXX for {$39.00}. Today I contacted them 4 times to resolve this issue and they told me they can not fix it because its already in the statement, I requested multiple escalations and finally they told me all managers were busy and can not helped me. The issues are : on XX/XX/XXXX and XX/XX/XXXX, the representatives did not see the annual fee, therefore they were not able to do nothing. XX/XX/XXXX, statement generated and the 5 representatives I spoke with can not do anything about it, instead they told me I am responsible to pay for the future fee while I am requesting closure of the account. I want to closed the account and I do not want to be charge XXXX annual fee because this issue FRAUD, I READ THE CREDIT CARD HOLDER AGREEMENT attached below and it clearly states : " I can close the account anytime '' furthermore, the agreement does not include any close or provision of a NOTICE REQUIREMENT when credit card holder wishes to close the account. Today my balance is {$530.00} instead of {$490.00}, oo AVANT assessed the annual fee putting me over the credit limit. I just made my min payment of {$25.00} The status of the account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Southwest Credit Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Southwest Credit Systems for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Southwest Credit Systems has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

XXXX. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Southwest Credit Systems cease such practices immediately. 

4. **Failure to Provide Disclosures : ** Southwest Credit Systems has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Southwest Credit Systems , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

XXXX. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Southwest Credit Systems and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Southwest Credit Systems. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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 non-monetary relief