vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I was a XXXX XXXX and came back home to my identity being stolen. I checked my credit report and a car was purchased and a total of XXXX XXXX  accounts were reporting on my credit report. I have never had XXXX  before. I have never applied for XXXX. I have been trying to dispute with the credit bureaus however XXXX is the only account thats keeps coming back verified. I am trying to see how are they verifiying these accounts and they are not mines. I emailed XXXX  through their website requesting this information and received a response that I had to call. I contacted them and after being on the phone with a rep for over XXXX minutes she finally was able to find a account with my name and ssn attached too it XXXX, she was not a able to speak to be about this account because she stated that none of the info verify to me ( address, email, phone phone number ) only my name, dob XXXX and ssn. She then provided me with a collections number ( True Accord ) and I contacted them but they was able to assist due to the info not matching!! And he informed me to dispute through the credit bureaus and I infomed him that I have. He said that there is nothing he can do. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and email XXXX, Ive had this same info for over 10 years. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.

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 2024-09-13 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and 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 2024-09-13 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or validate any bankruptcy-related information for the credit bureaus. 

Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against the major credit reporting agencies ( Equifax, XXXX, and XXXX ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed the U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or validate any bankruptcy-related information for the credit bureaus. 

Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX, which operated in five states, falsely promised prospective students that they would be employed in their field " within six months after graduation and that a XXXX degree would make them 'employable for the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When we were in the pandemic time I received my EDD and one night I called about it, and I was told they would send me a new card and fix the problem my balance was XXXX the next day it was down to {$6000.00} I called back and the next day it was XXXX XXXX.my complaint is I've seen people receive a letter saying that there account was compromised. And was reimbursed thru the XXXX program. Well I called and asked why I wasn't part of the XXXX program and they said they didn't know. Ok now during my time with b of a and my money dis appearing. I believe my info was secured because when u called the pre paid b of a those people answering those calls where at home they didn't have a place of business where those people gathered to work. They were operation from there homes. Now how secure would my info be in the privacy of there homes. IT WOULDNT BE! Also all that time i fought to get that money back I lost 3 storages, my home and my car. I lost everything until I call u guys did I start receiving some of my funds back. But every claim I put in was denied. Until u guys made them start giving me back my money. But before I could start receive my funds back I lost everything because of b of a. And because of this all happening I'm still struggling to survive. And because I didn't have a place to live it has affected my health really bad. And now I sit here in pain wondering how they got away with all this when it said they we're federally bonded bank. So I never needed to suffer and I hold them responsable.

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 monetary relief
Consumer complaint received 2024-09-13 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: MI

Complaint narrative:
XXXX Account reported at {$0.00} but delinquent. Account has been dispute numerous times and ignored by dispute agency. Account has already been removed for fraud from XXXX. Company has failed on this account and multiple others to investigate properly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNCs Bank Secrecy Act ( BSA ) / Anti-Money Laundering ( AML ) and Sanctions program is a domain within Enterprise Compliance, with the chief AML officer reporting directly to the chief risk officer ( CRO ). The enterprise policy for the program aligns with regulatory requirements and provides governance and oversight of PNC business units. The program sets forth minimum BSA/AML and sanctions standards designed to ensure that PNC is providing compliant products and services and conducting business activities in compliance with applicable laws, rules and regulatory guidance. The chief AML officer provides program updates to multiple committees throughout the year. 

Punishments for international fraud can vary depending on the type of crime and the jurisdiction : Wire fraud A federal crime in the United States, wire fraud can result in up to 20 years in prison and {$250000.00} in fines. If the crime affects a financial institution, the penalty can increase to 30 years in prison and {$1.00} million in fines. 
Anti-Money Laundering ( AML ) sanctions Violations of AML sanctions can result in serious legal consequences, including fines of up to {$20.00} XXXX and imprisonment for up to 30 years. 

Fraud is considered to be false representation, dishonesty, or deceit, and can break both civil and criminal law. 
I am a PNC Bank SCAM/FRAUD victim in the amount of {$900000.00} consisting of XXXXXXXX XXXX XXXXXXXX XXXX XXXX PNC Bank XXXX The issue at hand is I did not approve the XXXX XXXX sent from my PNC Bank checking and savings accounts ( see documentation ). To date, the FBI, Dept. of Homeland Security, Dept. of Justice, and other federal agencies including the XXXX XXXX have ignored my complaints. PNC Bank is also accusing me of the SCAM/FRAUD and XXXXXXXX XXXX XXXX 

My biggest concern is being accused of money fraud and anti-money laundering with the PNC Bank XXXX XXXX XXXX in the amount of {$900000.00}. 

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 2024-09-13 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: MD

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX ***** XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Transunion ***** XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX ***** XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/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