vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I requested that XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly. 

15 USC 1681 section 602A. States I have a right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items information any other item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect. 

Not compliant with Metro 2 credit reporting.

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 2023-06-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My information is being shared without ever receiving notification of my ability to opt out of having my personal information shared

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: CT

Complaint narrative:
I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: CT

Complaint narrative:
I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
While in the process of preparing my deceased parent 's home ; hurricane Ian struck. 
A claim was filed and money to repair home received by Fifth Third Bank on XX/XX/2022. 
The family has not received any of this money for the repairs. 
While waiting for the repair money more damage was done to the home. 
The home and the deed are in the family trust. 
The bank has sent a check to an entity that does not exist instead of to the trust. 
The trust account is held at XXXX XXXX XXXX and they have asked for the check to be made out to the name on the trust. 
Fifth Third bank refuses to do this. 
They also will not cash the check at their own bank. 
They have had the insurance money since XXXX. 
This seems to fraudulent to hold insurance money that is not their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: GA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Transunion are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am the beneficiary of funds ( about {$2500.00} ) in an IRA account being held at PNC Bank ( " PNC '' ) following the death of my mother. I did not learn of the inheritance immediately following her death, but since learning of the inheritance many months ago, I have been diligently communicating ( both orally and in writing ) with PNC and attempting to obtain the funds from PNC. On numerous occasions ( since about XX/XX/2022 ), I have communicated with the IRA Department at PNC, as well as 2 different PNC branches about the account, the funds to be paid to me and the documentation needed by PNC to provide the funds. As of the date of the filing of this complaint ( and despite having provided all of the requested documents to PNC as requested ), PNC has wholly failed to process the forms and deliver the funds to me in accordance with the beneficiary information PNC has in their own files. PNC 's IRA Department has also provided different answers about the status of this request to its own representative at a local PNC branch. Further, I have also sent an e-mail to the main PNC branch in PA, but have not received a reply. A PNC representative at a local PNC branch advised that this matter has been escalated to a manager in the IRA Department, but no additional information has been received at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
On XX/XX/XXXX I filed XXXX  XXXX as you can see in the attachments which XXXX  XXXX XXXX XXXX accounts are listed in Discharge of Debtor. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 

The XXXX  XXXX XXXX XXXX ignore the XXXX notices of DISCHARGE OF DEBTOR The of XXXX XXXX XXXX Attorney is GLASSER AND GLASSER XXXX XXXX XXXX, XXXX XXXX ) XXXX ) Phone : XXXX XXXX XXXX ALSO IGNORED this DISCHARGE OF DEBTOR notices. 
I have spoken to a Representative about this matter today XX/XX/XXXX XXXX XXXX  They are giving me a run around on hold on the phone for more than 30 minutes or so then hang it up. I went to the XXXX  XXXX XXXX in two locations the responsible person wasn't found. On XX/XX/XXXX, around XXXX XXXX. My Court Atty Commission appointee and I spoke to the XXXX  XXXX XXXX collection department as suggested by XXXX XXXX they can't find any account that belongs to XXXX XXXX XXXX. 
I want XXXX  XXXX XXXX XXXX to remove this default judgment on my name and honors the Discharge debtor letter to remove the default judgment from XXXX XXXX XXXXXXXX XXXX Name and order the XXXX XXXX XXXX  to release the Escrow of {$34000.00} XXXX I was a co-owner of a home that I bought with a partner in XX/XX/XXXX. That friend wants out of the deal the Court ordered a forced sale and it was sold on XX/XX/XXXX. 
In the title, a search showed up a judgment that they claimed that the same person as me. Please see the Default Judgement attached. I wasnt aware of the case, I never got any notice the address on the form is commercial I never live there. Because of this record, the XXXX XXXX XXXX is escrowed {$34000.00} of my house proceeds. 

Judgment to Escrow XXXX XXXX XXXX This default judgment is wrong. I wasnt given the chance to defend myself, the attorney did not send me a notice because this person is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-19 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-19 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.JEFFERSON CAPITAL SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I previously had Wells Fargo accounts but one day in maybe XX/XX/2019 I tried to use my card and it was embarrassingly declined. So I called and was told they think there might be fraud on my account and closed it. Now last week out of the blue I received a new credit card from them. I have not received one single piece of mail or communication since they closed my account years ago. I wasted several hours trying to get someone to help me at wells fargo but no one cared. I was told the card was canceled but this morning i got am email that my new card is on the way! I dont understand what it happening but looking at the Wells Fargo class action lawsuit it seems to be the same scam.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention a pressing matter regarding fraudulent personal information associated with my identity on my credit report. It has come to my knowledge that certain accounts and transactions have been falsely attributed to me, causing significant distress and concern.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention a pressing matter regarding fraudulent personal information associated with my identity on my credit report. It has come to my knowledge that certain accounts and transactions have been falsely attributed to me, causing significant distress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation