vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to XXXX and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how XXXX XXXX has played a part in this situation and they havent updated. The accounts that need to be removed are 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to XXXX and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how XXXX XXXX has played a part in this situation and they havent updated. The accounts that need to be removed are 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, 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:
From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, 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:
From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, 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:
From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
unauthorized inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont know why they are calling me and why they did this inquiries. Maybe a identity style attempt theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/22 I received 3 credit alerts telling me that Square Capital LLc. ran a HARD credit pull on my personal credit report. I did NOT authorize this and I HAVE NOT applied for any products, loans, credit, or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX. I was denied by PNC bank for Cash Rewards Visa credit card. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: NC

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive filed a identity theft repost and wrote into the 3 consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in 1016.7 Form of opt out notice to consumers ; opt out methods. 
With is a violation of my Consumer Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XXXX it states the I owe {$310.00} to collection that was past due to NATIONAL CREDIT ADJUSTERS , L.L.C, XXXX XXXX XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but XXXX stated that the debt to collection remains

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc
State: MD

Complaint narrative:
I have informed XXXX XXXX of Second Look Collection agency to not to notify me via phone at my place of employment and to notify me by mail on several occasions. She also made accusations as to why the debt, unknown to me was accumulated. I informed her that I would seek legal counsel regarding the debt, but she stated that she will continue to call me until I agreed to speak with her and provide her with my attorney 's information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

438

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had filed a fraud claim on my Debit card because I didnt make the charges, I was in the hospital d uring the time of the charges due to COVID-19. I filed a claim with the bank and contacted the merchant to advise them of the fraudulent charges and filed a police report. The bank gave me a temporary credit and the merchant refunded some of the charges then the bank denied my claim and took the temp credit and also removed the overdraft amount from one of my other accounts marking my mortgage check return. I have filed an appeal but still havent heard from my bank. I am now late on my mortgage payment due to this and all because the bank says that there wasnt an urgency to to file a claim because of a charge dating back XX/XX/2022 from the same merchant that I didnt notice of {$.00}, which by the way the bank included in my claim not 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 monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

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  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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: FL

Complaint narrative:
On XX/XX/2022, I purchased cashiers check for my sister in the amount of {$160000.00} from the First National Bank of PA in XXXX XXXX XXXX, MD. On XX/XX/2022 my sister informed me that the cashiers chased check and an amount of cash had been taken from her vehicle on XX/XX/2022. She stated that she contacted the police. On XX/XX/2022 I notified the First National Bank of PA in XXXX XXXX XXXX MD to request a stop payment on the cashiers check. I also contacted First Nationals customer service on the same evening of XX/XX/2022. On XX/XX/2022 I again contacted XXXX XXXX XXXX First National Bank. I asked to speak with the manager. The teller told me that she was with a customer who was opening an account. I called three times throughout the day to find out the status of the stop payment. Each phone call only revealed that they were working on it. They were busy with customers and could not locate the paperwork needed to proceed with the stop payment. Apparently, I need to sign an Addendum Form which states that the check was stolen, and it would need to be notarized. They would mail it to me. They are aware that I now reside in XXXX since I informed the teller when I made the first phone call. I asked them why they would not email it to expedite the stop payment. On XX/XX/2022 I again contacted First Nationals customer service. The customer service person stated that she would email the XXXX XXXX XXXX office with the complaint. I was informed by customer service that the complaint was forwarded to their fraud department for review. On XX/XX/2022 I again contacted XXXX XXXX XXXX XXXX XXXX. The teller stated that they are still working on it. I asked to speak to the manager. I was informed that the manager was in training. The bank did not contact me on XX/XX/2022. I contacted the First National Bank in XXXX XXXX XXXX on XX/XX/2022. They stated that they would send an email to the fraud department. I requested the fraud departments phone number. The bank told me that they did not have a phone number for the fraud department. So, I requested an email address for the fraud department. I was told that they could not provide the email address. A week later and I still do not have the forms to sign so the bank may proceed with the stop payment. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from Experian such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also I was hit with XXXX more hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.

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 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
After a period of Covid forebearance I entered into a trial mod plan with XXXX in XX/XX/XXXX. I made first trial payment in XX/XX/XXXX. The mortgage servicing was transferred to Selene in XX/XX/XXXX. They refused to abide by trial mod I had reached with XXXX. They refuse to tell me why and have repeatedly refused my requests for documents such as an accounting of the loan. I get a different story every time I talk with someone and promises never kept. Now they want me to enter into trial mod with double rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, 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:
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} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Also, 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1684 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA keeps rejecting my payments even though I have money in my account to cover my payments. Then they charge me XXXX XXXX for each rejected payment. They charged me XXXX in rejected payments, even though I have money in there for my payments. this is nuts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There are unauthorized businesses 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