vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on credit karma and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called Equifax and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent the collection agency TransWorld Systems a certified dispute letter regarding this debt around XX/XX/XXXX asking for full verification of debt & a copy of the original application or contract regarding this debt which I don't owe. This debt was just placed on my credit reports around XX/XX/XXXX without any notification. The debt is for {$300.00} for XXXX XXXX. TransWorld Systems received the certified letter on XX/XX/XXXX at XXXX that I sent them which I have 30 days to receive this info. I also called TransWorld Systems regarding this debt & I spoke to XXXX different reps & neither rep could pull up my account or name in their system. Both reps told me they were unable to pull my account number or name in the system & disconnected the call. TransWorld Systems placed this account on my credit reports which they are now unable to find my account in their system is a HUGE RED FLAG to me. TransWorld System never notified me at all regarding this debt they just placed in on my credit reports. I told TransWorld Systems it's against the FDCPA to just place an account on my credit reports without being notified first. I told the reps at TransWorld System this account needs to be removed from credit reports if I don't receive full verification & a copy of the application or the contract. I would like for this account to be removed from credit reports since they are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: TX

Complaint narrative:
My bank contacted me to inform me that my identity was stolen and had to come in to set up a new account. After carefully reviewing my credit report my identity was sold and bought illegally. I want these accounts removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL INQUIRIES ON MY REPORT AND THEY DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE THEM.

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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Receivablesd LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of { $ XXXX XXXX } listing XXXX XXXX XXXX, XXXX XXXX as the original creditor to XXXX, XXXX and XXXX. Resurgent Receivablesd LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of { $ XXXX XXXX } listing XXXX XXXX XXXX, XXXX XXXX as the original creditor to XXXX, XXXX and XXXX In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. XXXX XXXX XXXX, XXXX. removed the erroneous and inaccurate Collection attempts. I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Resurgent Receivables LLC. is not my creditor. I also dispute XXXX XXXX XXXX XXXX. as my original creditor. XXXX XXXX XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance for both accounts currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

Also, per 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consurmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Based on the above Resurgent Receivables LLC. is not complying due to reporting inaccurate information to all 3 Credit Reporting Agencies. They have different status for XXXX, XXXX and XXXX, some showing closed and open on different Consumer Reporting Agencies. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Resurgent Receivables LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent as this information is not validated nor accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I see American First Finance on my XXXX credit report. I tried contacting both American First finance and XXXX, but none have solved the issue. I am unaware of this account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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:
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.

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 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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The statute of limitation expired on this debit. Please stop reaching out to me. Please remove and delete this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: TN

Complaint narrative:
I recently filed a complaint with the CFPB regarding EXPERIAN INFORMATION SOLUTIONS. EXPERIAN held my initial notice of dispute letter for 16 days before disputing anything on my consumer report, but when they finally responded to the CFPB complaint, I noticed a prompt dispute was initiated. The dispute was initiated XX/XX/scrub>XX/XX/2024 and ended on XX/XX/2024. EXPERIAN INFORMATION SOLUTIONS only investigated the inaccurate accounts in question for 10 days! And the accounts came back " verified and updated ''. EXPERIAN verified inaccurate account information. They also did not do a 30-day reinvestigation. This is a violation of the Fair Credit Reporting Act, and it is also unfair credit reporting behavior from EXPERIAN INFORMATION SOLUTIONS. I want these accounts removed. They have verified and did not remove the inaccurate information of both accounts with XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX. The FCRA states that 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 15 USC 1681e ( b ). I am requesting that these accounts be removed per 15 USC 1681i ( 5 ) ( A ).

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: AL

Complaint narrative:
15 USC 1681 section 604 States rights to consumer privacy Reporting agencies cant furnish a account without my written consent

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 2024-02-18 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: NY

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.

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 2024-02-17 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: MS

Complaint narrative:
Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Account- 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 non-monetary relief
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
I have fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am aware that Capital One is one such bank who solely depends on local US phone numebrs for customer verification, which means I can not use my credit card overseas. This not the complaint because this is something I am already aware of. 

But right now I am in US. I got the credit card today. And there is problem on the first day. I have a phone number, a local US phone number and I am present in US, and I can not use my phone number to get text codes for cash withdrawal pin set up, because apparently the number is not recognized by Capital One, even though that's the only number you already have on file. If you don't recognize local US phone numbers, what kind of numbers do you guys exactly recognize? Right now I won't get any text codes for verification even when I am purchasing something so it be a XXXX dollar purchase or a XXXX dollar purchase. So how exactly do you expect me to use the credit card, even locally?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: VA

Complaint narrative:
I am a XXXX XXXX XXXX  in which i have medical treatments through the Veterans Affairs Community Care Program . I was referred to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. By Approval of the VA Community Care under XXXX for XXXX services. ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.XXXX. Recommendation from XXXX XXXX XXXX XXXX, personally reviewed XXXX provider documentation due to physical exam finding ; believed further eval by a XXXX XXXX  was warranted. Ordered XXXX XXXX XXXX and a referral was given to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I feel that all my doctors visits and appointments were appropriate and approved by the Veterans Administration Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I PULLED MY CREDIT REPORT FROM EQUIFAX AND NOTICED SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: MS

Complaint narrative:
Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Account- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have fraudulent inquiries on my report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
I have fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello, I would like to file a complaint against PNC bank Headquarters in XXXX, PA. 
PNC bank did not protect me from the unauthorized transaction even though I informed about it 3 times. Under The Consumer Financial Protection Act of 2010 bank is responible to protect customers from fraud but PNC bank failed. I lost my money for 2 weeks from my checking account. 
On XX/XX/XXXX I noticed on the website XXXX XXXXXXXX XXXX that their agent used my PNC debit card information for an unauthorized transaction without my knowledge. That transaction was a car insurancre renewal. I did not agree to extend the car insurance, I do not have the auto pay option. They used my debit card information from a previous transaction on XX/XX/XXXX transaction ID XXXX. On XX/XX/XXXX at XXXX I contacted PNC customer service via online chat. I informed about an upcoming unauthorized transaction on the checking account and requested that the transaction be blocked. PNC employee informed me that he did not see such a transaction, so I said that it was an ongoing transaction and I provided all information about this transaction : amount of {$750.00} and the name of XXXX XXXX XXXX PNC employee informed me that once the transaction was completed, I could use the dispute option. I told her this is my checking account not credit card therefore I need this money and I won't wait 30 days for dispute transaction. I told her this is fraud transaction and you are responsible to protect my money. She refused to take any action. 
On XX/XX/XXXX I saw a pending transaction XXXX $ on my checking account from XXXX XXXX XXXX. I called to PNC fraud department and told them about this un autorized transaction. I told them that I reported it 3 days ago and PNC did not stop this transaction. I demanded the immediate cancellation of this transaction but PNC employee refused. She told me to dispute transaction and wait 30 days for my money. I I replied that I will report it to the CFPB and XXXX Next day on XX/XX/XXXX I received a call from PNC fraud department. their employee asked for details of this transaction and offered 30 days to dispute the transaction because she doesn't have any option to stop transaction. I called to XXXX XXXX and demand refund immidietly or I will report to FTC. After 2 weeks I recieved my money back XXXX . For 2 weeks I lost the money I needed because PNC bank refused to block the transaction. They did nothing to protect my therefore I want them to pay for that and hold them accountable. 
Transaction details : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$750.00} on checking account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I PULLED MY CREDIT REPORT FROM EQUIFAX AND NOTICED SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. CAN YOU PLEASE REMOVE THEM.

Company response to consumer: Closed with non-monetary relief