vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts XXXX This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX XXXX Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. EQUIFAX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the XXXX XXXX XXXX. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts XXXX This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX Unsecured Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/2024, your institution has failed to report any information about this account to any of the three major consumer reporting agencies EXPERIAN. XXXX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the XXXX XXXX XXXX. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, 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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: MI

Complaint narrative:
I was going over my report earlier this month and notice there were some fraudulent information on my reportt Please delete these accounts off my report these accounts are hurting my ability to obtain credit. Also a violation of my rightss!

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 2024-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have several addresses on my account that I never lived at, and the result of that I have credit cards open in my name that I did not open. I have late fees on a close account. Thats the affects my credit to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also 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 item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: OH

Complaint narrative:
I have 1 inquiry in my XXXX credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in TransUnion and XXXX that I have NOT authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have XXXX inquiry in my experian credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in XXXX and XXXX that I have NOT authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-07-23 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TX

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
XXXX XXXX XXXX from the firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) is refusing to respond to me in a timely manner, or in a clear and easy to understand manner. 

I have asked XXXX XXXX repeatedly for documents regarding this debt, which I dispute, and have been disputing for over a year. 

XXXX XXXX does not provide any response that is in any way intelligible. Instead she states " As previously stated, I am unable to give you legal advice. My office does not accept service by email or fax as stated below. " While this may be a factual statement, it does not address any of the questions I have been asking.

MJRF refuses to talk to you about the debt in question. They refuse to provide intelligible responses. They refuse to provide timely responses. If I email, my emails are ignored, or take days to be responded back, with no clear out of office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent dispute requests to TransUnion regarding the following accounts numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dates of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
I would like to file a complaint against the PNC XXXX ATM XXXX located at XXXX XXXX XXXX XXXX XXXX, pa XXXX. I bought an engagement ring from unclaimed diamonds on XX/XX/year> in the sum of {$1600.00} and on XX/XX/year> my fiance and I went to that PNC ATM location to make a deposit in cash in the sum of {$1600.00} around the time frame of XXXX prior to the XXXX XXXX XXXX. I deposited all {$1600.00} in twenties only all at once and the machine only accepted {$140.00} ( my last cash deposit ) and gave back the remaining cash {$1400.00}. Then I made a second deposit cash only in twenties in the sum of {$1400.00} and jammed the machine. The ATM did not return my cash {$1400.00} but a message appeared stating to contact the financial institution. When I tried contacting the number no one answered so we decided to call the abington police department to file a report. Two officers arrived at the scene and took a report also the officers stated that this situation has happened multiple times here before. The police report number is XXXX and XXXX XXXX # XXXX. In addition, another customer pulled up to use the ATM and stated he had issues with this ATM as well. On monday XX/XX/year> my fiance and I went to my PNC XXXX where I bank at to file a complaint. PNC first credited my account back {$1400.00} pending investigation. After further investigation PNC sent me a letter confirming I did not lose {$1400.00} in the ATM Machine and will be taking the money out of my account that they credited me back. My fiance and I went to the ATM where the incident occurred to take pictures and to our surprise the ATM Machine was completely removed and poles where up in the area where it once was. How can I defend myself with NO ATM Machine available and no footage was available. Now I've been forwarded to a credit collection service for {$1400.00} ( Debt Collector : XXXX ), which we will be disputing. I also contacted the XXXX for I suffer from a severe disability and they should be aware of this situation and the affects I'm suffering. I hope this scam does not happen to any other disabled person or any one in general. Thank you for your cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In late XXXX I noticed some fraudulent transaction on my 5/3 bank joint checking account. The staff removed my remaining funds, open a new account and placed a {$500000.00} USD hold on my hacked account to prevent further fraud -it didn't work. And within less than a week the new joint checking account also had fraudulent activity. This was the first week of XXXX going into the holiday. I've been trying to close out all my accounts at 5/3 for the past 3 weeks. However, I'm told the fraud investigation is still ongoing so I can not close the account. Meanwhile the {$500000.00} USD is not preventing new fraud. So I have to call 1-2 times a week to open a new dispute, which means the account will be open perpetually. I've had a bank account for over 30 years and I have been a customer for over a decade at 5/3 bank and this is the only bank that has allowed my account information to be compromised multiple times and then creates obstacles to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: GA

Complaint narrative:
After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$75.00}, XXXX {$40.00}XXXX XXXXD XXXX {$790.00}.

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 non-monetary relief