vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a fraudulent charge listed on my credit report from " Conserve. '' This needs to be removed immediately, or I will be seeking legal action.

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 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I turned in my keys to XXXX XXXX XXXX, which was owned by XXXX XXXX XXXX at the time. I provided my forwarding address and took photographs of the property to document its condition upon move-out. However, I never received any correspondence or statements from the property management. 

On XX/XX/XXXX, I unexpectedly received a statement showing charges for periods after I had moved out, as well as costs for renovations that were allegedly done to the property. In response, I sent a certified letter requesting further details and also visited the property in person. During my visit, I learned that the property had been sold to new owners, and there was no way to contact the previous management, XXXX XXXX XXXX. 

Shortly after, I began receiving calls from Hunter Warfield, a collections agency, regarding an outstanding balance of {$24000.00}. Despite my efforts, I have been unable to contact anyone who can provide clarity or help resolve this matter. 

This situation has been extremely frustrating, as the charges appear to be incorrect, and I have no way to dispute them with the original property owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: WI

Complaint narrative:
Reclaiming and preserving you never respond back with all the accusations that I said I need to be pulled off my credit report even with that breach of credit reporting that a lot of information was given out on certain peoples I so nothing never happened it's been over a year and a half

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 2025-01-08 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: WI

Complaint narrative:
Reclaiming and preserving you never respond back with all the accusations that I said I need to be pulled off my credit report even with that breach of credit reporting that a lot of information was given out on certain peoples I so nothing never happened it's been over a year and a half

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 2025-01-08 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My account was set to autopay for a loan and was scheduled to be paid off on XX/XX/year>. My final balance in XXXX was around {$92.00}. Because the autopay amount EXCEEDED my last payment due, rather than apply the payment and refund any overages or only deduct the amount necessary to pay off the final amount ( both of which are standard practice for most institutions ), PenFed 's system completely disregarded the payment, causing it to be late. I was under the impression that the account had been paid off. I later found out that it was past due, after which I called to make the final payment and the representative explained to me what had happened. She then apologized and reversed the late payment charges. 

Once I realized that this was reported to my credit report, I asked PenFed to reconsider in light of the fact that I had indeed presented payment to them on-time, which their system did not apply. As such, removing the late payment indicator on my credit report would not be inaccurate for the purposes of the FCRA ( as they stated in their generic reply ). Rather, based on this situation, I am being unfairly penalized for the shortcomings of their payment system. 

I received a generic denial from PenFed and when i asked to escalate the issue given the circumstances, I was told that a manager would call me to discuss. She could not provide a number or email to me. No one ever called. I resubmitted my request with additional information and received a quick reply stating that the issue could not be investigated because it had already been investigated previously. I had no option to speak to anyone or escalate so that the circumstances, which likely have negatively impacted many other customers, could actually be taken into account by someone with the authority to make a fair and equitable judgment call. 

PenFed has had several issues with their autopay system in the past ( e.g., random disenrollment ) and needs to work to improve their system so that these types of avoidable issues can actually be avoided. There should be no reason why, in XXXX, that an autopay system is unable to apply a customer 's payment because it is more than the amount that's owed on a FINAL balance. My credit score dropped from XXXX to XXXX after many years of being a responsible consumer and loyal PenFed customer due to this issue. I have no other late payments on my account. Yet PenFed seems to have no desire to do the right thing and exercise its discretion to remedy the situation and would rather lose a responsible customer.

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 2025-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about XX/XX/year> XXXX XXXX  from the Wells Fargo Presentation Department continues to harass me by calling my residence with these trick calls of manipulation. By pretending that she knew absolutely nothing about the State Funded Mortgage Assistance Program that Ive been approved of. And out of her evil vindictiveness shes trying to get the program removed from the plan. Shes nothing but a pathetic manipulator and liar. And when she called me a few days ago I had informed her that I was currently in the XXXX  recovering from 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: IL

Complaint narrative:
I sent out letters but never received anything back its been over 30days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
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 2025-01-08 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX - Account # XXXX to XXXXTransUnion and XXXX, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit. 15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for Action : If XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of recieving this notice. Late Payments in Question Charge Off XX/XX/year> Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been 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 2025-01-08 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: IL

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts, as there seems to be an issue with their accuracy on my credit report. Although these accounts were removed before, they have been added back without my knowledge. I did not receive any notification or mail correspondence regarding their reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC closed my account in XX/XX/year> because my family gave the wrong information. After realizing my account was closed, I tried to claim my money, but PNC didn't provide me anything. I went to branch office, and they said they can't help and let me call the Fraud Department or file a complaint. PNC said my money was transferred to state government. I went to unclaimed property but can't find any record under my name. Agent from state government said if they received any fund from PNC, PNC should have the confirmation record. But PNC said they didn't have anything to provide. 

XX/XX/year> {$51000.00} in my account XX/XX/year> {$0.00}. My money was transferred out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent and unauthorized inquiries that have appeared on my credit report. The inquiries in question are listed below : XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXXXX/XX/year> Equifax These inquiries were made without my permission and are a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, which mandate that any access to my credit report must be authorized by me, the consumer. I have not authorized above companies to access my credit information, nor was there any legitimate purpose for these inquiries.

As these inquiries are fraudulent and unauthorized, I am requesting that they be immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent and unauthorized inquiries that have appeared on my credit report. The inquiries in question are listed below : XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX 

These inquiries were made without my permission and are a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, which mandate that any access to my credit report must be authorized by me, the consumer. I have not authorized said Companies to access my credit information, nor was there any legitimate purpose for these inquiries. 

As these inquiries are fraudulent and unauthorized, I am requesting that they be immediately deleted from 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 non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

XXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

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 2025-01-08 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: MA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 16929 Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices Please provide the following : ' Agreement with your client that grants you the authority to collect on this alleged debt. 
" Agreement that bears the signature of the alleged debtor wherein helshe agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account,. Any Judgments obtained by any creditor regarding this account. 
. Name and address of alleged creditor. 
. Name on file of alleged debtor. 
. Alleged account number. 
. Address on file for alleged debtor. 
. Amount of alleged debt. 
. Date this alleged debt became payable. 
. Date of original charge off or delinquency. 
. Verification that this debt was assigned or sold to collector. 
. Complete accounting of alleged debt. 
. Commission for debt collector if collection efforts are successful. ide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation