vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 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. 15U.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 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed the account with XXXXXXXX XXXX XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, I have not received a response to any of these disputes. Each dispute was opened and closed without any disclosure or resolution. I requested verification and accuracy of reporting under FCRA XXXXection 609 but did not receive any satisfactory response. 

I also disputed these issues with Experian, who confirmed receipt of my disputes but could not explain why they were closed or what the policy is for disputes that extend beyond 30 days. Their only advice was to submit additional disputes. To date, I have submitted three disputes but have not received any correspondence regarding these matters. 

Upon reviewing my credit report, I identified violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 and 15 U.S.C. 1681b. According to 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific circumstances, including in accordance with the written instructions of the consumer. Since I have not provided written instructions to include these accounts on my report, their presence constitutes a violation. 

Additionally, 15 U.S.C. 1681 emphasizes the importance of accuracy and fairness in credit reporting. It states that accurate credit reports are essential to the efficiency of the banking system and that consumer reporting agencies must handle consumer information with fairness, impartiality, and respect for privacy. The law mandates that consumer reporting agencies adopt reasonable procedures to ensure the accuracy and proper utilization of consumer information. 

I sent a letter requesting verification of the accuracy of the information on my credit report but did not receive a response. I sent a follow-up letter, and still, there was no reply. Under FCRA Section 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. I have a list of inaccurate accounts that violate my privacy, and this non-compliance with the FCRA constitutes a legal violation.

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 2024-08-19 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: GA

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 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 deleted from the file of the consumer. Please remove the following items from my credit report, immediately 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 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Dear CFPB : I am writing regarding my Mortgage account that was initially with XXXX XXXX and then sold to PNC bank. I had been with XXXXXXXX XXXX for over 2 years and I never had any issues regarding the loan terms, conditions payment history etc. 

Several months ago, XXXXXXXX XXXX sold my mortgage loan to PNC bank and I received written correspondence stating that the mortgage transfer took place. Every was marching business as usual as I had my automatic payments scheduled since I have the loan. 

All the automatic payments went through until XXXX this year. I found out sometime in XXXX that the payments were not being processed by PNC bank for 3 months or so. I decided to call the bank and they stated that the automatic payment option was suspended and, I needed to sign some sort of automatic payment agreement to reinstate the autopay. I was not aware of this form and if this was the case why they did not provide it when the loan was acquired by the bank. Payments were always being processed business as usual for months. 
After discussing the situation with them I made all the payments that were not processed due to the autopay suspension. 

As a result of all this mishandling my Mortgage account was reported late to the credit Bureau agencies dropping my credit score significantly. 
I immediately reached out PNC bank and they were not cooperative when I asked them why they reported the account being more than 30 days late, when they did not explain their autopay policy in details at the time the loan was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Since I have continued issues with Transunion with correcting information on my credit report. I have had to get legal console on my behalf to force Transinion to correct items I disputed, when they refused to comply. 

Transunion have put my profile into a special status since they were served with legal letters to fix the credit disputes I requested. This special " status '' does not allow me to get my credit report online and further delays me getting any credit reports from Transunion, since the customer service line to phone in is terrible and the wait times are over 42 minutes, I have tried different browsers and they have stated its my Browser issue, when it is not. This special " status '' is to punish consumers whom have served legal letters to Transunion when they refuse to fix credit disputes,

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NC

Complaint narrative:
I paid a bill using my Cash App debit card. I tried to pay XXXX XXXX on XX/XX/XXXX, the amount of XXXX. The first payment showed " payment failed '' on XXXXXXXX XXXX end. I needed to have this paid by the XXXX, so I made another payment of {$370.00} and that payment was successful. I later looked at my Cash App balance and it showed 2 transactions for the amount of {$370.00}. I spoke with XXXX and they showed on 1 payment was successful and suggested that I wait a few days and the money should appear available in my account because it did not go thru on their end. I eventually put in a dispute to Cash App about the extra payment of {$370.00} that should have been release back into my account balance. They required me to put in a dispute online. I did that I think on the XXXX. It took 14days before Cash app credit the {$370.00} back to my account balance, letting me know it was a temporary release until they finished their investigation. I recieved an email from Cash App stating my dispute was denied and the credit I recieved would be reverse on XX/XX/XXXX. I had to call Cash App this time and they put in another dispute. In the mean time I explained and sent the payment history from XXXX showing the 1 Payment that was successful was reverse and sent back to Cash App because they stated it was a fraudulent transaction. I explained it was not fraudulent. I made the payment twice because the first payemnt of {$370.00} did not do thru and this account had to be paid to prevent being charge an interest rate. I have spoken to so many people and explained this. I have aske them to tell me where is {$740.00} of my money because now the loan company has returned the 1 payment that did go through successful on their end. I received another denial email on XX/XX/XXXX from XXXX once again denying my dispute ( XXXX ) with no documentation to support her decison. I emailed her asking to please let me know where my money is because my Cash App account is negative {$370.00} and my XXXX Account has not been paid. I also have a case number ( XXXX ) I also have caim number ( XXXX ) this was denied by XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

15 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 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX removed inquiries i disputed then added it back cto my credit file. I need everything removed again ALL INQUIRIES ARE FRAUD AND/OR NOT AUTHORIZED REFUSES TO RESPOND TO ALL CERTIFIED LETTERS DISPUTING INQUIRIES

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want my account to be reinserted. I need that account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 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. 15U.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 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian via USPS certified mail, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. 
The second letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX  ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XX/XX/2024 I am writing to express my extreme frustration and disappointment with the ongoing dispute I have been having with XXXX and the Eastern Account System collection agency. Despite numerous attempts over the past five months, I have been unable to resolve this issue. 
As documented in the attached files, XXXX has acknowledged that they made an error, which they claimed to be addressing three months ago. However, the collection agency continues to refuse to remove the incorrect information from my record. When I called them today to request an update, the representative abruptly hung up on me without providing any assistance or even disclosing her full name ( she only gave a partial name, " XXXX '' or " XXXX '' ). 
This situation is having severe consequences for me, as I am on the verge of losing my licenses, which generate over {$10000.00} in daily income. I urge immediate attention to this matter to prevent further harm to my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
hey Citi, my name is XXXX and i've been with you guys for a couple months now and i have been enjoying my experience so far but today i had to file a fraud claim because there was unauthorized charges totaling {$900.00} going to a merchant, not sure how this happened or how someone stole my debit card info and its in my possession but regardless, i filed a fraud claim today. I lost all my money i needed to pay bills for this month and i have no idea what to do, i was told i would be issued a new debit card and its expedited to my address on file but what about my money that was stolen? this is blatant fraud as i dont even have prior history nor use the merchant. whatever they used to steal my money. im nervous i wont get my money back based on other customers reviews i have been reading so im filing this claim today with the CFPB. CLaim Number : 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 monetary relief