vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I made an online purchase for a painted replacement car hood using my debit card on XX/XX/XXXX in the amount of {$860.00}. When the shipment came it was not the correct item. I tried to resolve this with the merchant by phone and email. Per the merchants request, I sent an email to the merchant describing the issue with pictures comparing their item to my existing hood demonstrating they were different size and shape. The merchant never replied to the email to acknowledge the mistake and they stopped answering my calls and messages. 

Around XX/XX/XXXX I turned to my bank PNC to dispute the charge. I filed the dispute within their allotted timeframe. I filled out their online form and later I received an email asking for more information. I replied with a detailed description of the issue including a copy of the email transcript I had with the merchant asking me to send side by side comparison pics of the items ( an email that they did not reply to ). 

I received a letter from PNC dated XX/XX/XXXX stating we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request the documentation we relied on in making our determination. I called PNC to request this documentation and after calling 8 times to reach someone and being transferred to many associates I finally spoke with a woman who told me I will be honest with you, the only other way you can handle this is through a court because all we tried to do was retrieve the funds and the merchants dispute was that the transaction happened as planned. She also told me that there was no documentation of the investigation to give. XXXX previous associates I spoke with also said there was no documentation. 

My problem is that if any real investigation occurred it took place in a perfunctory manner and the bank did not honor their policy to refund such purchases where an item is clearly incorrect and the merchant is not cooperating. Also they refused to give me documentation of the investigation which has hindered my case against the merchant with the Attorney General in that state. The merchant is telling them that my bank, PNC, sided with them. It has been 9 months and I have not been made whole financially in this matter. I will again attach receipts, email transcripts and pictures showing the merchant painted and sent the wrong item ( even thought it was in the correctly labeled box ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: LA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2
( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud. These fraudulent accounts consists of a credit card accounts from XXXX XXXX XXXX XXXX opened around XXXX  2019 and another one around XXXX  2018, one at XXXX XXXX XXXX XXXX  around XXXX 2016. An Auto loan at XXXX XXXX XXXX XXXX around XXXX  2018, and XXXX XXXX XXXX around XXXX  2017. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to the FCRA and FDCPA. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX required per the Law, I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I, claimant/consumer immediately request that funds stolen from my account are returned expeditiously in the amount of {$3800.00}. Of this amount, {$3000.00}, which was fraudulently Transferred from Money Network Account to an online account at XXXX, that claim/ticket number is XXXX  XXXX. XXXX has quickly taken steps to secure those funds and that account has been restricted, as told me to my XXXX, XXXX of the members on the XXXX team. I will use all the information I've uncovered report and ensure this kind of fraudulent activity is STOPPED and the agency quickly rewrite their policy and guidelines, making is extremely difficult for something like this to happen again. PLEASE NOTE THAT EMPLOYEES, WHO has ACCESS TO THIS INFORMATION SHOULD BE BONDED BEFORE BEING HIRED IN A FINANCIAL SECTOR. 

I became suspicious of this company after hearing how long they told me it would take to get my money back if the dispute was " found in my favor ''. I was also discouraged from canceling this transaction. At this point, I felt as if they did not want me to file a dispute. I was trained in previous positions ( experience ) to know how to stop this and learned more information about tracking and tracing where these funds went than they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
15 U.S. Code $ 1681c-2 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. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: CORELOGIC INC
State: AZ

Complaint narrative:
XXXX XXXX stayed in XXXX Ohio at XXXX XXXX XXXX XXXX her mother name is XXXX XXXX in her sister name is XXXX XXXX they have loans from my credit mortgage loans auto loans in everything using my credit I need this investigated XXXX XXXX XXXX he is also connected he is from XXXX Michigan I have the dates of the mortgage loan where the loans where placed at in everything every since this been going on I've been getting harassed in staying in shelters fake chargers being out on me I'm out here fighting for my life everyday while my credit in information is being used I stay at XXXX XXXX XXXX XXXX XXXX XXXX I don't have a car or a place I've been in the shelter my hole life I was XXXX XXXX XXXX XXXX XXXX  everyday I want these people put in prison I don't care this lady is my kids mother the kids can go to a foster home I don't care I never had XXXX nobody gone play with my life inquiry date XXXX mortgage loan removal date XX/XX/year> XXXX XXXX XXXX XXXX California company name credco there number is XXXX in the the other name is XXXX XXXX XXXX XXXX she is from XXXX  XXXX Michigan please investigate this put these prople away the other loan is XXXX XXXX XXXX XXXX there number XXXX inquiry date XXXX the removal date was XX/XX/year> address XXXX XXXX XXXX XXXX Georgia 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 2024-08-25 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: VA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of EducationXXXX : XXXX I looked at my Experian credit report on XX/XX/year> and noticed errors and information that is not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delated from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
I'm writing you today to inform you I was the victim of identity theft. Please let me letter serve as a formal dispute of the following accounts. I contact all the companies directly and was told to follow these steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 
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 2024-08-25 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: GA

Complaint narrative:
My name is XXXX XXXX CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  and XXXX XXXX appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
ACCOUNT XXXX XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting a complaint regarding XXXX failure to provide the services I have subscribed for for and their lack of resolution to ongoing technical issues. 

For the last XXXX months, I have subscribed to Equifaxs service to access my credit report. However, for the past XXXX months, I have been unable to view my credit report. Each time I log in and attempt to view it, I receive an error message that states : Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). Our call center hours are : XXXXXXXX XXXX to XXXXXXXX XXXX  ( ET ), Monday through Friday, and XXXXXXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

I have taken a screenshot of this error as proof of the issue. I have reached out to Equifax customer service numerous times to report this issue. Each time I call, I am assured that someone from the technical support department will reach out to me within three days. Unfortunately, despite these promises, no one has contacted me, and the issue remains unresolved. 

This situation is extremely frustrating, especially given that I have subscribe to a service that I have been unable to use for months. I am seeking assistance to ensure that Equifax resolves this technical issue Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: LA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: LA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
I am previous victim of identity theft. My data has been exposed in multiple disclosed breaches and found on the dark web. There are multiple unknown, unauthorized inquiries on my Transunion report that I did not authorize, nor do I have any knowledge of. In each of these instances no new account was opened in my name. I have previously raised these concerns multiple times, in writing, to Transunion via their written dispute process, and directly in writing with each company, yet, no sufficient investigation has occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX and AMEX XXXX

Company response to consumer: Closed with explanation