vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. When I reviewed my report, as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a technical glitch, but the errors remained. Given this situation, I request a thorough review of the documents I have provided so I can put this concern behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Stated in the letter, I do not recognize the company or ever having an account with them. I let them know they were reporting inaccurate information on my credit report. I asked them to provide all documentation used to identify me as the consumer for which they are accusing owes this debt by supplying : Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i . 

I have not received any information from the following companies 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3500.00}. The bank never investigate my dispute and rejected it after a few days. 

That transaction was canceled by me, however, US bank transferred the funds without my permission. XXXX on my bank account does not show the charge, but it was charged without my authorization. the receiver was 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 2025-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 explanation
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/year>

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my official communication regarding the unauthorized and completely inaccurate entries on my credit report. These items were added without my consent, knowledge, or authorization, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, along with a list of disputed items. I demand the immediate and permanent removal of the following erroneous entries from my report, as they are completely unjustified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my official communication regarding the unauthorized and completely inaccurate entries on my credit report. These items were added without my consent, knowledge, or authorization, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, along with a list of disputed items. I demand the immediate and permanent removal of the following erroneous entries from my report, as they are completely unjustified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-02-19 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: CA

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I am writing to inform you that my wallet was lost or stolen and my identity may have been compromised. I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX around XXXX2021.I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity fraud. I am taking steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 
Thank you for your attention to this matter I am willing to prosecute.

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 2025-02-19 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00}

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 2025-02-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the Fair Crediting Report Act ( FRCA ) THESE COMPANIES are violating my rights. Under 15 USC 6802, states that the consumer is to be sent a notice by your organization disclosing the information that maybe disclosed. I have already given and directed you that such information may not be disclosed to any third party. I have exercised this non-disclosure option and you have continued your deceptive acts. Your deceptive act also violates my right to privacy which has caused significant harm to me as the consumer under 15 USC 1681 sec 602 Right to Privacy. Under 15 USC 1681 ( b ) in accordance with the written instructions of the consumer to whom it relates, you have to have my written permission for you to report anything on my behalf and you do not. YOU ARE FIRED FROM RECEIPT OF THIS DISPUTE. 

UNRECOGNIZED INQUIRIES CITI CARDS CBNA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX UNRECOGNIZED INQUIRIES XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
On XX/XX/XXXX I called the debt collector to dispute the amount owed and ask for debt validation. They agreed to do so, but still have not received any debt validation via phone, email, or mail as of XX/XX/XXXX. The debt collector decided to file a lawsuit against me, even without acknowledging request for validation of debt owed.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi, I had a legal name change and have attempted to update the name on my credit report multiple times, but each time, Equifax does not update my name. Every time, I get asked for the same information I have already previously provided, and the name on my credit record does not get updated. 

XX/XX/XXXX : Submitted dispute by XXXX Priority XXXX Certified mail ; received a response asking for documentation that was already sent XX/XX/XXXX : Submitted dispute by XXXX Priority XXXX Certified mail ; received a response asking for documentation that was already sent XX/XX/XXXX : Submitted dispute by XXXX XXXXXXXX XXXX XXXXXXXX in parallel with submitting this complaint XX/XX/XXXX : Submitted dispute online ; received a response asking for documentation that was already provided Please update the name on my credit report and remove my old name from my credit report. My name has already been updated with all my open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX for furnishing inaccurate and misleading information on my credit report, failing to properly investigate disputes, and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I have disputed the account XXXX XXXX XXXX  ] with XXXX  multiple times, yet they continue to report inaccurate, misleading, and unverified data to the credit bureaus. My concerns include the following : False and Inaccurate Late Payments : XXXX is reporting 180-day late payments across multiple months, despite the fact that my account balance is incorrect, and the reporting does not align with my actual payment history. 
This is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to ensure information provided to consumer reporting agencies is accurate and up to date.

Billing Errors in Violation of 15 U.S.C. 1666B : My payment history has been misrepresented, and I believe XXXX is misapplying payments or miscalculating my balance. 
Since this is a billing error, the company is required to conduct a proper reinvestigation and correct the issue. 
Failure to Properly Investigate My Dispute ( FCRA 611 ) : My previous disputes were marked as resolved without proper reinvestigation, yet the inaccurate data remains on my report.

Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable reinvestigation. 
Failure to Validate Debt ( FDCPA 15 U.S.C. 1692g ) : I sent XXXX a debt validation request, but they have failed to provide the legally required documentation proving the legitimacy of the debt. 
They have not provided a copy of the original contract with my wet ink signature or any chain of custody proving their right to collect this debt. 
Unlawful Collection Practices and Misleading Representations ( FDCPA 15 U.S.C. 1692e ) : XXXX continues to report the debt without verifying its accuracy, which is considered misleading and deceptive under federal law. 
XXXX History of Legal Disputes and Consumer Complaints : XXXX has a history of lawsuits and consumer complaints, including : XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Additionally , they have multiple consumer complaints filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  raising concerns about billing errors and improper debt collection practices.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax Dispute Department , I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under this law, Equifax is required to report only accurate, complete, and verifiable information. The following item ( s ) on my credit report are incorrect and must be investigated and corrected immediately. 

Disputed Item ( s ) : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX FCRA Violations and Required Action Under the FCRA XXXX Equifax has the following legal obligations : XXXX. Accuracy and Fairness ( 1681e ( b ) ) Equifax must maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. The presence of inaccurate information violates this requirement. 
XXXX. Investigation of Disputed Information ( 1681i ( a ) ) Once a consumer disputes information, Equifax must investigate within 30 days and delete or correct any unverifiable, inaccurate, or outdated information. 
XXXX. Notification of Corrections ( 1681i ( d ) ) If Equifax corrects or deletes any disputed item, it must provide me with a written notice and an updated credit report. 
XXXX. Liability for Non-Compliance ( 1681n, 1681o ) If Equifax fails to investigate or correct this inaccurate information, it may be subject to civil liability for willful non-compliance or negligence, including actual damages, statutory damages, and attorneys fees. 

Requested Resolution I request the following actions be taken immediately : A full reinvestigation into the disputed information. 
Removal or correction of any inaccurate, unverifiable, or outdated information. 
A written statement confirming the results of your investigation and an updated copy of my credit report. 

Failure to comply with this request within the legally mandated timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. 

I have attached copies of relevant supporting documents, including [ mention any evidence, such as credit reports, account statements, or correspondence with creditors ]. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
An unauthorized inquiry suddenly appeared on my credit report this morning, and I have no clue why. I checked my report as usual, only to find discrepancies that werent there before. Hoping it was a glitch, I refreshed my browser, but the inquiry remained. This is beyond frustrating, and I demand that my documents be carefully examined so I can put this stressful situation behind 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OR

Complaint narrative:
Hello I opened a Business checking account with PNC Bank on XXXX XXXX XXXX. PNC was offering a promotion where a bonus of {$400.00} is promised with keeping XXXX XXXX balance per month. 

After opening the account, I immediately transferred {$2500.00}. There was a slightly delay with the transfer, which I do not feel was my fault. 
I felt certain that I have satisfied the requirement of holding a XXXX XXXX  balance until XX/XX/XXXX, which would be 90 days from the original transfer. 

I experienced major issues with setting up my PNC online access, which actually to this day have not been fully resolved. 

I did just look at my PNC statement from XXXX and saw the the " average collected '' balance is less than expected. 

I'm hoping that PNC will honor my XXXX XXXXXXXX balance for these last 3 months and not try to deny the bonus to me based on a technicality with slow transfer speeds. 

Furthermore, on a personal note, I would like to share that I suffered a sudden XXXX XXXX in XXXX with the detachment of the retina of my eye which required a major XXXX XXXXXXXX to fix. I know this sounds like an excuse but I was completely " out of it '' for a few weeks, and it has actually taken more than 2 months to try to recover from the retina detachment and XXXX. So this primarily the reason why I would have overlooked the statement in XXXX. I actually couldn't open my eyes much for a few weeks in XXXX XXXX XXXX and just now starting to do most things normally again. 

I'm hoping to have PNC 's response in writing and ask respectfully for their understanding over this matter. 

Thank you very much, XXXX

Company response to consumer: Closed with explanation