vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of these following accounts 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 
. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC I have submitted documents from a unauthorized transaction with my account they have had the case open for 3 months and have said their decision still stand this is fraud and unauthrized transaction PNC is still declining after I have provided my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
TO : Whom It may Concern This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that CONSUMERreporting agencies excercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS right to privacy.

I demand the deletion of all personally identfiable information from my CONSUMER report with the exception of : MY FULL LEGAL NAME : XXXX XXXX MY ADDRESS : XXXX XXXX XXXX XXXX, La. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 
Please delete these outdated addresses and update the address with the one above!!! 

My only phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected CONSUMER and have a right to privacy.

Not granting me my rights is in direct violation of 15 USC 1681 and all subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
TO : Whom It may Concern This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that CONSUMERreporting agencies excercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS right to privacy.

I demand the deletion of all personally identfiable information from my CONSUMER report with the exception of : MY FULL LEGAL NAME : XXXX XXXX MY ADDRESS : XXXX XXXX XXXX XXXX, La. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 
Please delete these outdated addresses and update the address with the one above!!! 

My only phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected CONSUMER and have a right to privacy.

Not granting me my rights is in direct violation of 15 USC 1681 and all subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 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 2024-11-20 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: WI

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-11-20 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: VA

Complaint narrative:
Ive recently revived 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Company is reporting inaccurate information on my credit report. The reported closed date for this account is inaccurate and does not match my records. I was never notified legally with any future movements of this vehicle such as auction etc. They failed to make any changes on this account until a year after the vehicle had been surrendered. I have a police report of the incident in XXXX, when the vehicle was taken. The company made a closed account report until XXXX XXXX. It's been two years since. All records are inaccurate, I've contacted them in attempt to have them provide me all legal docs and nothing has been provided to me. I've sent the company two written dispute letter requesting all information and no response which led me to this final attempt with CFPB. Closed account reported open on one bureau, incorrect date of last payment, and first date delinquent. This company has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had stated to the debt collector I am refusing to pay the {$530.00} td bank usa/target debt so by law they are to cease all communications including to the 3 credit bureaus which they have failed to do thus far. The debt dates back to XXXX XXXX claiming to have closed on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-20 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: FL

Complaint narrative:
This to follow up on a previous complaint filed. Please see attachments of the previous complaint. 

Upon reviewing my Consumer Reports, I discovered a late payment on an account for which I have always maintained timely payments. Consumer agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on any of accounts including my XXXX XXXXXXXX XXXX XXXX account # XXXX. I am very responsible and never had a late payment. I demand that discrepancy is removed from my report promptly and immediately, as I have upheld my payment obligations without delay. 

I also discovered a new inquiry in my credit report. I have account with this company. nor do I know them. Please remove the inquiry from XXXX, which was made on XX/XX/year>.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello and good day! I am filing a formal complaint against Bank of America for their ongoing reporting of inaccurate information on my credit report. Despite numerous attempts to dispute this account ( Account Number : XXXX ), they have failed to correct or remove the errors. This incorrect reporting is significantly damaging my credit score and presenting false and misleading information to potential lenders, which could affect my financial opportunities. I have repeatedly reached out to both Bank of America and the credit bureaus to address this issue, but no resolution has been provided. This lack of action has left me with no choice but to escalate the matter.

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 2024-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 explanation
Consumer complaint received 2024-11-20 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
The servicer of the loan wouldn't comply with the contract. I offered a payoff of the loan for what I calculated to be the remaining balance. They accepted the amount, but once paid they wouldn't show the balance as XXXX instead they show that I owe them the entire amount including unearned interest. I've called multiple times, but they won't give me any information I've requested. They did take the {$2000.00} I offered, but refer me to a call center in XXXX and they won't help me get this resolved. I have email correspondence of the pay off amount accepted and show my funds clearing with them, but still no ability to show the loan is satisfied so it still shows me owing the remainder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
Equifax is reporting a negative account on my credit report that unequivocally does not belong to me. The XXXXXXXX XXXX account ending in XXXX is a fraudulent account with no connection to me. I demand the immediate removal of this account and its balance, as they are the result of identity theft. I have attached the removal letter and expect prompt action, given that I have requested this removal multiple times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to formally file a complaint against American Express regarding unfair interest charges and fees applied to my account for a payment discrepancy on my credit card ending in XXXX. 

In XX/XX/year>, I fully paid off the balance on my American Express credit card. As a result, there was no payment due in XX/XX/year>. I resumed using the card in XXXX, and a payment was due on XX/XX/year>. 

On XX/XX/year>, I logged into my account to make payments for both my American Express accounts : Credit Card Account Ending in XXXX Loan Account Ending in XXXX I completed a payment and received a confirmation email. However, I mistakenly believed the confirmation email was for my credit card ending in XXXX, not realizing it was for my loan account ending in XXXX. I also thought the credit card was set up for autopay. 

American Express called me on XX/XX/year>, notifying me that the credit card payment was late. As soon as I was made aware of this, I immediately made the payment. However, I was charged a {$40.00} late payment fee. 

Following this, I discovered that American Express charged me interest on the entirety of my XXXX and XXXX purchases, totaling {$240.00} for XXXX and {$370.00} for XXXX. Over {$600.00} in interest and fees were charged due to a five-day late payment, which was an honest mistake that I rectified promptly upon notification. 

I have contacted American Express and requested a reversal of the interest charges, but they refused, claiming there was nothing they could do. I believe this is unfair and punitive treatment of a long-time customer who has held this card for over ten years and maintained a good payment history. 

I am now forced to consider canceling this credit card due to the lack of resolution and poor treatment, which will negatively impact my credit score. I believe American Expresss refusal to adjust these charges and the undue financial penalty are unreasonable, especially given the circumstances of the error and my immediate corrective action. 

I respectfully request that the CFPB review this case and intervene to ensure that the interest charges for XXXX and XX/XX/year> are reversed. I also request that American Express provide a more reasonable resolution process for such disputes to prevent similar issues in the future. 

Account Information : Credit Card Account Number : XXXX Loan Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX  VA XXXX Thank you for your assistance in resolving this matter. Please feel free to contact me at XXXX or XXXX for any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-20 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company response to consumer: Closed with non-monetary relief