vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Subject : Urgent Complaint Against PNC Bank Unauthorized Charges and Lack of Resolution Dear Federal Trade Commission, I am writing to formally escalate my complaint against PNC Bank regarding unauthorized overdraft charges related to a returned Clover Flex device and their refusal to provide a resolution. 

As previously stated, I received a Clover Flex device from PNC but was unable to use it because the system required an XXXX number and authorization key, which PNC could not provide. Due to this issue, I returned the device, yet PNC still overdrafted my account. 

I contacted their customer service to dispute the charge and was assured that the issue would be investigated. However, after nearly two weeks without any follow-up, my account was overdrafted again. Today, I received a call from a PNC manager named XXXX, who informed me that PNC would not take any action to resolve this issue. When I requested a written statement regarding this decision, he refused. 

PNCs actions constitute unfair and deceptive banking practices, including : Charging my account for a returned and non-functional device Failing to provide a resolution despite acknowledging my complaint Overdrafting my account multiple times without justification Refusing to provide written confirmation of their decision I request that the FTC investigate PNCs handling of this matter and take appropriate action to prevent similar incidents from happening to other customers. Additionally, I am seeking a full refund for the wrongful charges and overdraft fees imposed on my account. 

I appreciate your time and assistance in addressing this issue. Please advise on the next steps. 

Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax shows my score plunging XXXX points and Ive had no changes in my credit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-27 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: NJ

Complaint narrative:
I am submitting a formal dispute against TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards regarding multiple inaccuracies on my credit report. Under FCRA 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), TransUnion is obligated to ensure the maximum possible accuracy of all reported information. The following accounts contain discrepancies that violate both FCRA and Metro 2 byte-level validation standards : 1. XXXX XXXX XXXX XXXX. Incorrect reporting of late payments, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report with maximum accuracy. This must be byte-validated under Metro 2 guidelines or deleted. 

XXXX. XXXX XXXX XXXX payment reporting contradicts historical data, violating FCRA 1681e ( b ). If this can not be verified per Metro 2 compliance, it must be deleted. 

XXXX. XXXX XXXX XXXXXXXX The charge-off status changed to Paid in Full, suggesting re-aging, a violation under FCRA 623 ( a ) ( 2 ) and CFPB guidelines . If Metro 2 Segment 42 validation fails, the account must be deleted. 

XXXX XXXX XXXX XXXX XXXX The Date of First Delinquency ( DOFD ) appears inaccurate, affecting the 7-year reporting limit under FCRA 1681c ( a ) ( 4 ). Failure of byte-level validation should result in immediate deletion. 

5. Closed by Credit Grantor remarks on several accountsXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX misleading under 15 U.S.C. 1681i ( c ). If these remarks fail Metro 2 Format Standards ( Field 19, Compliance Condition Codes ), they must be removed.

Legal Compliance & Required Action : - FCRA 1681i ( a ) ( 5 ) : Any unverifiable information must be deleted.

- FCRA 1681s-2 ( b ) : Data furnishers must investigate and correct errors within 30 days. 
- Metro 2 Compliance : Byte-level validation against e-OSCAR standards is required. Failure to meet these standards warrants deletion.

I am requesting immediate removal of these inaccuracies if TransUnion or the furnishers can not provide byte-level Metro 2 validation within 30 days.

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 2025-02-27 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: PA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate account that is appearing on my credit report. 
After thoroughly reviewing my report, I discovered that Bank of America is falsely reporting a negative account under my credit history. The details of the disputed account are as follows : Creditor Name : Bank of America Account Number XXXX Dispute Reason : The account is incorrectly reported as negative, and Bank of America has no record of me ever having this account. 
I contacted Bank of America directly, and they confirmed that they have no record of me ever having a credit card with them. Since they do not have any record of my account, this entry should not be on my credit report. This false negative report is affecting my ability to obtain funding, and I request that it be investigated and removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you investigate this matter within 30 days and delete this inaccurate information from my credit file. Please provide a written response confirming your findings and any actions taken.

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 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have been trying to get in contact with Self and when I call their phone line they redirect me to their app or website. I have a new phone number and email... and I am trying to update my information with Self so I can gain access to my account so I can pay my bills. I am unable to do so which is going to cause me to be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax keeps removing and then relisting accounts on my credit report, I use credit karma and shows zero derogatory remarks and stated XXXX XXXX  has been removed i had to collections from XXXX that i was disputing and i look today XX/XX/year> and they are back on my credit report. how can they keep closing and removing and then adding them back?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXXXXXX

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 2025-02-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello. I just pulled my credit, and I found some accounts that never belong to me, I have never received any cards or mails/phone calls. I believe that someone have my personal information! Im so stressed, I have a little kid and I dont know what I should do now. I pay all my credit cards in time, and I am very responsible The accounts information below 1. DISCOVER BANK XXXX opened XX/XX/year> limit {$500.00} ( missed payments )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Monterey Financial Services LLC
State: NC

Complaint narrative:
I noticed your company placed a collection account on my credit report and it appears to violate several of my consumer rights. For one the XXXX reporting of this account is highly irregular citing the Date Last Active as XX/XX/XXXX but the Date Opened is XX/XX/XXXX. Please provide documentation for how the account went back in time to be active prior to it even being open. 

Further in accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Monterey Collection Services : # XXXX has all violated my rights and should not be reporting.As stated in the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, these accounts remain despite their inaccuracies, showing that those procedures were not followed.

Furthermore, under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case.

Additionally, 15 USC 1681s-2 clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of these accounts, even after they were disputed, is a direct violation of this provision. 

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate accounts remain. This failure to comply with federal law needs to be addressed immediately. 

As XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ruled in XXXX XXXX buyers ( third-party collectors ) are not the original creditors so they must prove they have legal right to collect. Given that proper proof of ownership of debt including written assignment or complete chain of title and subsequent debt transfer, complete and accurate records of original debt, and requested debt verification have not been provided per the original request this account must be deleted from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

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. 
ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$4500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$420.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$130.00} XXXX. Account name : XXXX Account opened : {$420.00} Amount owed : XX/XX/XXXX Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Account opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX XXXX  Account opened XXXX XX/XX/XXXX XXXXAccount name : XXXX XXXX Account opened : XX/XX/XXXX XXXX.Account name : XXXX  Account opened : XX/XX/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