vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
Hi, XXXX XXXX  XXXX put a delinquent status on my credit report thats past due Im not past due this was a prepaid credit card. Theres no reason why they should be reporting anything. I made a complaint to the FTC. This information is not accurate. They are maliciously derogatory, mixing up my credit report by reporting false information on it thats not mines. 

XXXX XXXX keeps putting 120 days past due that is not my account. I have no knowledge of that of whats going on. I am not 120 days past due whatsoever. Somethings wrong on my status Im not 120 days past due. I have a fraud alert on my account. They keep doing it over and over again I keep disputing it over and over again the credit bureaus are allowing this to happen. 

XXXX keeps refreshing and reporting derogatory on my credit report. I paid this account off. I dont owe them any money. They keep putting fraudulent information on my account thats not mine.

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 2024-03-22 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: CA

Complaint narrative:
This is XXXX XXXX XXXX I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-03-22 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting on my credit file. I have previously disputed this collection account with all 3 major credit bureaus. It no longer shows on XXXX and has been deleted from XXXX. They did not delete it from Transunion but instead marked it as closed. This account needs to be deleted. If it has been deleted from the other 2 it should be deleted from them all due to inaccurate reporting. Below you will find an attachment showing the account deleted from XXXX as of today, 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
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
I looked at my credit report Im XXXX XXXX And noticed some things are incomplete and not accurate. And according to the fair reporting act whenever a consumer reporting agency prepares a consumer report its shall follow reasonable procedures to assure Maximum possible accurancy. These accounts XXXX XXXX XXXX, are not complete and accurate [ XXXX XXXX XXXX ] Open date is not reporting correctly, date of last payment is not accurate, this account is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MD

Complaint narrative:
I did not authorize these inquiries and considered as fraudulent.

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 2024-03-22 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: CA

Complaint narrative:
Hi my account was closed by PNC Bank on XX/XX/XXXX with my outstanding balance of {$54000.00} I received my bank statements saying this money has been sent on XX/XX/XXXX to a domestic assisted outgoing wire out of my account to a personal PNC Bank account and nothing sent to me I have contact PNC Bank about my funds the claim it was refunded but on the bank statements it says its been domestic wired to a PNC bank account my attorney contact the branch the said the money is with PNC department and we have to use legal means to collect it but when I reported PNC Bank to XXXX  i received a call from their relative manager saying my funds have been refunded and no funds in the account to be sent to me and when I ask about why the bank statement shows it was wire to a personal account not refunded she said thats all the information she can give and will close the investigation and I wont received this money regardless of what is in my bank statement and what the branch manager told my Attorney PNC is holding the funds. This PNC worker told me I wont receive this money and has nothing more to say about this I should forget about the funds sent to a personal PNC account. I called the customer service and the said the cant find my account apparently someone in PNC is trying to delete the account and the funds so the are untraceable because I threaten to sue them and the want to cover their tracks by deleting the account the customer service said the account number I gave doesnt exist and I was transferred to collection and the collection said the same thing I have been going on with this for months And PNC bank dont want to released my funds claiming it was refunded but on my bank statements its been domestic wire to a personal PNC Account and I was told my one relation manager I wont received my money no matter what I try to do all this is trying to victimize me but Im ready to present every information needed and make others not suffer this from banks I know banks have no rights to keep your money when an account is closed my attorney has been trying to get to em but the dont wan na talk to him because the want to claim the money and said we cant do nothing to have this funds returned to us

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30days. During the investigation period, the item I am disputing must be removed 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. 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 non-monetary relief
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
Dear Transunion, I am reaching out to request the removal of a collection account that is unlawfully requesting debt from me in a state that it is not licensed to collect debt in ; according to the XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX is the account unlawfully attempting to collect debt as a third-party agency. 
Along with this unlawful act, the agency is required to report accurate information at all times. I requested verification of this debt and this third-party agency ( XXXX XXXX XXXX sent back a document with an address that is wrong and not the address listed on both my state ID and license. 
*PROOF OF THIS WILL BE ATTACHED* The current creditor of this debt happens to be a company called XXXX XXXX XXXX XXXX in which XXXX XXXX acts as a smaller branch under this umbrella company. But this collection agency ( XXXX XXXX XXXX XXXX ) is also illegally operating in the state of Pennsylvania as it does not have the proper license to collect debt in my state of residency ; according to the XXXX XXXX XXXX XXXX 
I ask that this agency look into this violation and handle it with care. I ask that you remove this collection account due to multiple unauthorized activity performed on their behalf. 

Also, I have disputed XXXX XXXX XXXX collection account # XXXX multiple times with your agency due to inaccurate information, but this account still hasnt been updated or removed. The last reported dates are inaccurate, date last active is different on all three credit bureaus, date of last payment is different on all three credit bureaus. Your agency has also failed to uphold the FCRA LAWS by breaking law FCRA 623 ( A ) ( 3 ) : The credit bureau must report previously disputed or consumer disputes in the comment section of an account that was disputed within 30 days of the dispute. 

This collection is not being reported on XXXX and XXXX, why is Transunion reporting this account? 

ATTACHED IS A XXXX XXXX XXXX XXXX, ATTACHED IS A CFPB REPORT, ATTACHED IS MY DRIVERS LICENSE, STATE ISSUED ID AND SOCIAL SECURITY CARD FOR IDENTIFICATION PURPOSES.

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 2024-03-22 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: FL

Complaint narrative:
There are some inquiries on my report that I didnt do. I started a dispute but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022

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 2024-03-22 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: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-22 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: CA

Complaint narrative:
I'd like to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the account from my report. I kindly request that you thoroughly review and rectify the inaccurate information on my credit report. In light of the current economic challenges, it is critical that incorrect data does not negatively impact my credit score. So I need this account removed immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
A charge off is considered income, and is now considered a certificate of indictment and must be removed. According to IRS The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden on form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-03-22 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: NY

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief