vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXXXXXX 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  - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion AGAIN FOR THE FIFTH TIME THIS YEAR has dropped my credit score XXXX points overnight!!!! I am suing for discrimination!!! This is unsustainable for me! I can not get a place to live as a XXXX veteran this is absolutely unconscionable. I transferred money to a new account to better my score NOT to have Transunion XXXX me yet again out of more than XXXX points in 1 night!

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. ( XXXX XXXX XXXX ) is the account being referred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received a letter in XX/XX/2023 letting me know that I had not been provided accurate information regarding my student loan account and that I may have incurred a financial impact due to this issue. I was then sent two separate {$25.00} checks as " compensation. '' However, there are no details about what information was not portrayed accurately, how this impacted me financially, or anything else. I am able to apply for additional compensation according to the letter, but I have no details about what inaccurate information was provided to me, nor do I have any idea of how I was financially impacted. Therefore, I have no way of knowing what I could ask for from additional compensation. The letter is vague and does not contain pertinent information necessary to proceed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-10 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:
XX/XX/XXXX I contacted Transunion about inaccurate information on my credit report and I had previously contacted the Collection Agency XXXX, XXXX, XXXX and feel my rights have been totally ignored. {$1000.00} have been reported for 3years inaccurately now since I stated I will contact CFPB the agent was very rude. I checked my Transunion Report and was very upset because I requested Transunion to Remove the Inaccurate account of XXXX XXXX XXXX and they changed original amount to an past due amount and balance change states {$550.00}. I did not request a change or update I requested Transunion to remove and delete the account they are reporting False unverified information about me and has caused me to be denied Assistance with this negative impact.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company XXXX XXXX continues to report inaccurate information to the credit bureau along with Experian continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how Experian continues to disregard and manipulate my credit report with inaccurate ans false information.

There are 4 accounts that I'm speaking of with the same problems and this has been going on for 7 years

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company XXXX XXXX continues to report inaccurate information to the credit bureau along with Experian continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how Experian continues to disregard and manipulate my credit report with inaccurate ans false information. 
There are 4 accounts that I'm speaking of with the same problems and this has been going on for 7 years

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 2023-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
after my father passed away, I inherited his home with the VA loan. I put the home up for sale in XXXX of 2023 and we got an interested buyer who wanted to buy the home and assume the balance of the mortgage. The potential buyer, my real estate agent at the time as well as myself were all told that the loan wasn't assumable. We lost the sale because we assumed that what rocket mortgage was telling us was correct. I took several more months to sell the home and I took a XXXX loss because of what we were told. I just found out a month ago that what I was told by Rocket Mortgage was completely false, my loan was assumable as well as every VA loan is. As the company who services the loan Rocket Mortgage knew this but lied about the truth because they don't make money on loan assumptions. I reached out to Rocket Mortgage to inform them of the issue and that I confirmed the information through the VA. Rocket Mortgage reviewed all the recorded phone calls and indeed they did tell me falsely that my loan was not assumable. knowing this information Rocket Mortgage refuses to compensate me for my loss and they even threatened me with legal action if I proceeded to court about this matter. I have filed a complaint with the VA on XX/XX/2023 and they are investigating this matter for the possible impacts on other Veterans and their families. Rocket Mortgage is in possession of audio files of the phone calls with me and their employees falsely telling me my loan wasn't assumable. The contact person I was dealing with at Rocket Mortgage was XXXX XXXX and her telephone number is ( XXXX ) XXXX... XXXXI hope you can assist with investigating this matter further because if they so wrongly told me my loan wasn't assumable how many other Veterans and their families are potentially affected by their negligence which has caused me financial hardship needlessly. The fact they are in possession of audio telling me this and still choose not to fix the problem is absolutely shocking and should be punished in every possible way. If you have any questions please feel free to contact me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been disputed information on my credit report with Experian for the past 2 years. Every dispute after submitting a copy of my Driver 's license, SSN and address verification. Experian continue to send me a letter to verified my identity and insisting that the address on my credit report is actually a new address that need to be verify. This company is using tactics to prolong the matter as long as possible with rectifying and reporting accurate information. I need information that you have to continue insisting in reporting accurate information compare to XXXX and XXXX. 
I have attached the letter they keep sending me whenever I placed a dispute for the past 2 years, and then after 30 days another letter is sent that information was verified which is incorrect and accurate because no investigation is perform. All reporting agencies obligation are to report verified and accurate information but Experian continue to insist on reporting inaccurate 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 2023-12-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Goldman Sachs Bank XXXX XXXX failed to follow my instructions to close a XXXX account and transfer the balance to my linked external account. My XXXX  account reached maturity on XX/XX/2023. I called on XX/XX/2023 and gave instructions to close it at maturity and transfer the balance to my linked account at XXXX XXXX XXXX  ( XXXX ). The rep went over the details and asked me to verbally authorize. I did. 
On XX/XX/XXXX, XXXX days after the transfer ought to have occurredI discovered the funds were not in my XXXX account. I contacted XXXX and was bounced around by reps and specialists for more than two hours. 
When the last rep said she would submit my case for review which would take one to three days, I asked for a supervisor. The supervisor, XXXX, said the issue was something to do with verification of my XXXX account. That made no sense. I have statements from XXXX that prove my account at XXXX was verified months before ; and, when I gave instructions to close a CD account that matured XX/XX/2023, the funds transferred to my TSB account without a hitch. 
I suggested that the supervisor look at the XX/XX/2023 closing and transfer to XXXX as well as the verification that preceded it ( XX/XX/2023 ). I had no dealings with XXXX between that time and my XX/XX/2023 call to close the XXXX maturing XX/XX/XXXX so there was no reason or occasion for anything to change. The supervisor offered no explanation as to what went wrong. She expedited the XXXX closing and the funds appeared in my XXXX account XXXX XXXX days after they should have. 
XXXX submitting this complaint in the hope that the CFPB will take action to protect others from similar mistreatment. Consumers should not have to fight for what is rightfully and legally theirs. Had I not put myself through customer service XXXX, XXXX would still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX has furnished inaccurate information on my credit report. The alleged debt is charged off and PNC never sent me my XXXX form. 


below attached is the proof of inaccurate information reporting on my account. 

They are also in violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Identity theft, someone got an American Express card. A lawyer from XXXX named XXXX XXXX. This lawyer has been sending threatening emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They sent me unreliable and accurate generated computer response. No true investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: VA

Complaint narrative:
PNC insists on holding this checking account open, despite my repeated requests to close it. It should be illegal to hold open a customer 's bank account against the customer 's express wishes. This account has a XXXX balance, and no outstanding transactions or recent activity. Keeping a dormant account open makes a consumer vulnerable to identity theft and fraud. I do NOT want phone calls from PNC. Just immediate account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Im having issues with my identity. Ive been a victim of id theft for a while and im trying to stop this. Im not being able to work due to my information ( Name, SS, address, D.O.B. ) not matching E-verify ( DHS ) system or SSA. Ive gone to SSA, IRS etc. and have had to apply for a new card and full name, address correction. Althought when i try to have the same done to my credit bureaus accounts after multiple disputes, it always looks like the info is never corrected. They keep my name but it is not my full name. This is the reason why i keep having identity screening issues. Ive lost all my jobs due to this and have had financial and mental hardships as a result.I dont know what or why isnt this resolved.

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 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am currently being overcharged for late fees on a credit card that I am currently not using. I was not told anything about late fees or the excessive amount. Every month the late fee price is changed and Im not understanding why. As far as interest, i am being over charged for interest i was never notified of. Im suffering financially. I have recently lost my fianc and now trying to figure a lot out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, XXXX and XXXX function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as XXXX and XXXX. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. XXXX and XXXX appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.

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