vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.

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 2022-12-10 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: MI

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 1681XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: Experian Information Solutions Inc.
State: MI

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 16XXXXXXXX XXXX XXXX account XXXX XXXX {$26000.00}. XXXX XXXX XXXX account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-12-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/ 2022 I sent a request to XXXX to Opt-Out program. I received an email from XXXX they have received my request. This is to suppress any and all information in the XXXX data base. The information being suppressed was not suppose to be shared to credit bureaus or any agencies. Who maybe seeking information about my personal information. XXXX has violated my rights as a consumer to suppress my personal information as requested. I filed a dispute with EquiFax, asking them to investigate a public record that is being reported on my credit profile. When the investigation was complete. EquiFax claims the information was verified through XXXX. XXXX is not suppose to be sharing or verifying any information involving my personal information. I have letters and emails proving XXXX has violate my rights as a consumer. An email showing they have received my request to suppress my information. A letter from XXXX admitting to being the furnisher of public records to EquiFax. I have an email and a letter from EquiFax via us mail showing they used XXXX as the furnisher for investigating the public record. Also a letter I sent to Equifax to do a full and reasonable investigation. This was a clear breach of trust with my consumer information. When I clearly ask XXXX to suppress my information and not share it with any credit bureaus or agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX. Mortgages sold my mortgage to PNC bank. 

An adjustment was already made to my mortgage in 2022 for increased taxes. 

My mortgage was initially {$1000.00}. 

In XXXX of 2022 it increased to {$1300.00}. 

I have not been given access to view or understand my account with PNC bank, but they withdrew {$1400.00} from my XXXX XXXXXXXX XXXX account on XX/XX/2022. This was the first payment to PNC. 

No declaration of the increase was sent to me. No reason for the increase was told to me when I contacted PNC. 

This an additional 10 % increase in cost for a total of 40 % in 2022. 

I am at a loss on why and how they can withdrawal additional funds from my account without contact or explaining the withdrawal to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I had a work injury on the job and became XXXX in which I could not make payments to the original creditor ( XXXX XXXX, XXXX ). It was agreed upon by me and XXXX XXXX that I could make some form of payment. From there XXXX & XXXX harassed me over and over again regarding this debt stating that they purchased it from XXXX. I don't owe XXXX XXXX XXXX I owe XXXX XXXX. The amounts are definitely incorrect. I have asked them several times to please send me copies of every payment that I have made and they have refused to do so. I also wanted copies of the original purchases that I have made because of suspected fraud. That has never been sent as well. Even with the payments that i have attempted to make it never came off of the balance. It is so sad of the intentional threats of suing me that they have made. I would like this collection XXXX XXXX XXXX ( MIDLAND CREDIT, INC ) removed from my credit please. If the creditor sells the debt to collections it is no longer their debt and it is no longer mines either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/2020 Amount {$1000.00} I called told them the card was stolen and I want to close the account and the say ok and lied and then they send my info to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: GA

Complaint narrative:
I submitted a complaint to Equifax on Wednesday XX/XX/2022 about 2 fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( 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 ) of this section ( 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.

( c ) Authority to decline or rescind. 
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account Number : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ 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 2022-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened an IRA account with Ally. After initially being able to log in, I sent a deposit to them in the amount of {$7000.00}. 

The following week, I was unable to log into my account. After calling them multiple times, I was unable to verify via their credit security check. I have tried multiple times and have been met with unprofessional behavior and unkept promises to return correspondence. 

I have logs of all my calls which showed I called them more than four times trying to access my account. In the end, I don't even know whether I have an account due to a bizarre email with the subject header " We weren't able to approve your application. '' AFTER I already opened an account, logged in and deposited money. However, after that, I also received multiple emails with the subject " You have a new statement available from XXXX XXXXXXXX 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 2022-12-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.

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 2022-12-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX, have violated my rights. 

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 states a consumer reporting agency can not furnish an account without my written instructions

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 2022-12-10 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, have violated my rights. 

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 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit was ran without my permission and authorization and knowledge. My TRANSUNION CREDIT REPORT reflects the following : On XX/XX/2022 the following my credit was ran without my permission authorization and knowledge to the following : 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 non-monetary relief
Consumer complaint received 2022-12-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.

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