vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was charged XXXX the wrong amount to my account. I provided all the evidence the following day and reached out to pnc 3 times later to make sure they had everything they needed and I was told they had everything. The second from the last representative said that my provisional credit would be provided by XXXX XXXX which makes it the XXXX XXXX XXXX reached out to pnc today XXXX XXXX and I was informed that my dispute doesn't fall under regulation e but it does and I was told false information from multiple bank representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
Experian is falsely stating this information on my credit report and have yet to remove it from my credit report. 
I contacted the court, and their response is enclosed. ( See atttached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA XXXX ( XXXX XXXX. XXXX ) ( XXXX XXXX to privacy ), and the information must be deleted immediately. 
I contacted the court, and their response is enclosed. ( See attached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA XXXX ( XXXX XXXX. XXXX ) ( Permissable Purpose ), and the information must be deleted immediately. 
I would like for you to have them take this unvalidateable information off of my credit report. Your prompt attention to this matter is requested in order to comply with federal law.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax allowing inaccurate information on my Report. Account from defense finance showed up in XXXXXXXX XXXX years after I left the XXXX The account was paid and although I dispute the validity of said account- the information is inaccurate and doesnt belong on my report. Specifically, this was never a debt and the XXXX couldnt possibly be correct given I was fully separated prior to that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
Equifax and XXXX continue to allow inaccurate and false reporting on my credit. XXXX XXXX not only violated the MLA and EFTA, they continue to violate FCRA as they report a late payment each month even though account is nearly 7 years charged off. This is a double negative on my account- the derogatory information for charge off and subsequent late pays each and every month. The nearly XXXX balance is wildly inflated and accounts for a significant amount of inaccurate debt on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I received an Incomm bank visa card on XX/XX/year>. {$100.00} is on the card it was XXXX of those new electronic cards sent to my email for a legitimate payment. I activate it and followed all instructions and tried to add to my XXXX wallet to use for in store purchase it didnt go through so I tried a second time. I then went to their website. XXXX and it said to call a XXXX # so they explained it was flagged for potential fraud activity but it was I using the card and I just got it. They explained the card was locked but did indeed have the {$100.00} balance still XXXX They gave me a reference #. Also saying it would be 30 days because their fraud department had to investigate and then they would email me the new XXXX card which takes XXXX seconds. So I called a second time after no emails updating me on the status on XX/XX/year> they the explained it would take 15 days and just for me to wait. This is unacceptable so I XXXX reviews and see many BBB reviews where this company has done this to many people just the run around. Until someone gets involved the they all got replacement physical cards in the mail. I was advise they will send the card and stop holding people 's money when the cfpm or better business gets involved. It just seems shady it don't take 30 days to keep a card locked and send a new one especially after they verified all my credentials. Times are hard enough now with the CEO only and prices please help. I was told you guys fix it immediately. When I called the XXXX time it was XX/XX/year>. 7 days later and they haven't done nothing it seems like a very common thing they do to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
XXXX and Experian continue to allow inaccurate and false reporting on my credit. XXXX XXXX not only violated the MLA and EFTA, they continue to violate FCRA as they report a late payment each month even though account is nearly 7 years charged off. This is a double negative on my account- the derogatory information for charge off and subsequent late pays each and every month. The nearly XXXX balance is wildly inflated and accounts for a significant amount of inaccurate debt on my 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 2024-06-26 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: CA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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.

CREDITONEBNK 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

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 2024-06-26 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: CA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 XX/XX/XXXX and XX/XX/XXXX 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. 


XXXX 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

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 2024-06-26 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:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 XX/XX/XXXX and XX/XX/XXXX 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. 


XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/year>, I filed a dispute with Huntington Bank, on a company that gave me the wrong product and would not give me a refund. I explained to them I contacted the merchant and they were not willing to help me. I gave them and simplified the issue in every way possible for them to understand that the product was not what I ordered. The product I ordered was a wig. The problem with the wig is that the density was not what I ordered. I paid {$100.00} more for density and that's what I expected, therefore the product was not what I ordered. The density is the fullness of the hair. If I purchased a density of 180 % I would only have to pay about {$150.00} but by me purchasing a wig for 250 % density it cost more. I paid {$240.00} for the wig. When I received the wig I immediately contacted the merchant. I sent photos to the company and Huntington Bank proving my claim. I also sent messages between the merchant and me to Huntington Bank. Unfortunately, Huntington Bank did not even look into the case and did not help me to get a refund. They said it was a " quality issue '' and they do not handle those. To me, it seems they were insinuating that I just did not like the wig that was sent. I told them that was not the case and it did not have anything to do with me not liking the wig because I do like it, just not what I paid for. They were not willing to understand me and just assumed that I was the problem. I had an issue with a door from XXXX XXXX being the wrong size and I was given a refund by the bank when I disputed but this one is different, which I don't understand how. I think it's about them not normally dealing with wig issues and not having the knowledge of this type of situation. I hope they can get someone who deals with wigs to look at my case and have the knowledge and understanding of wigs. If I paid for a product I did not get through my bank, I would think my bank would consider that as a great reason for a dispute and refund me my money back. The merchant never responded to my bank about the dispute because they knew they were wrong. I am the woman in the XXXX XXXX, as you can see my hair is not as full as the other women 's hair. The merchant stated my hair was the same density as the woman in the XXXX XXXX XXXX. As everyone can see it was not. All the hair I had was pulled to the front in the video, none was at the back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
Collection Agencies : XXXX XXXX XXXX  and XXXX XXXX XXXX The above collections are trying to collect from me under false pretenses and they are damaging my credit report. They have reported themselves as the XXXX XXXX when I never applied for anything from them. This is fraudulent and they are in violation. I don't even have an application on file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing 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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year>2020 under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XXXX2020 under account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/year>2020 under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and 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 2024-06-26 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
These entries are incorrect and are having a negative impact on my credit score. I am requesting that these items be investigated and removed from my credit report. Enclosed are copies of relevant documents that support my claim, including [ list any documents such as payment records, correspondence, etc. ] .I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days of receipt. Please provide written confirmation of your receipt of this letter and keep me informed of your investigations progress and outcome. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing 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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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