vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank was made aware of fraudulent charges on my account. I requested several transactions be disputed specifically two charges for XXXX each ran as a credit card one day apart. I contacted the merchant i was made aware an individual attempted to charge a payment for {$7500.00} however, due to the daily limit, it would not process. He provided the card to be ran as a credit card in two separate increments I did not give authorization of the charge I did not speak with somebody nor did somebody from their office reach out to me. Due to the service paid for with the card, the merchant was unable to do anything and advised It would have to be done directly with the bank. Disputes were open for those two transactions amongst several others the bank responded fairly quickly with not even taking consideration they were unauthorized, I then spoke with an individual who stated I need to file a police report and provide the report number and open another dispute. At that point I went into the bank and closed the account and provided all of the information for the dispute, including the report number I did receive, basic general responses on some of the transactions advising their research did not Result in a reversal. However, I never received a response on the two {$3700.00} charges. I did speak with the bank and made sure that they were aware that since the transaction was process of the credit card it could be Disputed up to a year. I have continue to reach out to the bank and provide any information they need or inquire what I can do to assist their investigation. My understanding that all the disputes are closed and PNC refuses to acknowledge the unauthorized charges. I've since opened a new account to avoid issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Subject : Dispute Regarding Late Payment Entries on Credit Report To who it may concern, I am writing to address a significant issue concerning my credit report, which indicates late payment on my account with your company. This reported late payment is negatively impacting my credit score and affecting my ability to obtain new credit. 

The credit report reflects late payments on XX/XX/2024. 
XXXX XXXX XXXXXXXX XXXX I believe there may be inaccuracies in these records. It is crucial that your company complies with legal requirements to ensure the accuracy of reported information. This includes correctly sending statements and bills to my current address, processing address changes promptly, and recording payments accurately and on time.

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 2024-07-31 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: MA

Complaint narrative:
Subject : Dispute Regarding Late Payment Entries on Credit Report To who it may concern, I am writing to address a significant issue concerning my credit report, which indicates late payment on my account with your company. This reported late payment is negatively impacting my credit score and affecting my ability to obtain new credit. 

The credit report reflects late payments on XX/XX/year>. 
XXXX XXXX XXXXXXXX XXXX I believe there may be inaccuracies in these records. It is crucial that your company complies with legal requirements to ensure the accuracy of reported information. This includes correctly sending statements and bills to my current address, processing address changes promptly, and recording payments accurately and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: FL

Complaint narrative:
I made my mortgage payment in XXXX, but that same month my husband had an accident falling off the roof. To stay ahead of the situation, I requested hardship assistance on XX/XX/XXXX. Unfortunately, I never received the form. Despite making numerous calls and sending an email to the CEO with the loss mitigation team copied, I did not receive any response or assistance. 

I made a total of 12 calls between XXXX and XXXX and also reached out to the CEO, yet no one was able to provide the necessary form. The form was finally sent to me in XXXX. 

I believe that appropriate measures could have been taken to address this delay and ensure my request was processed in a timely manner. XXXX XXXX, the XXXX XXXX XXXX XXXX, acknowledged that the delay was due to a system outage and apologized but did not offer a solution. 

The delay and lack of action resulted in misreporting on my mortgage account, causing significant stress and negatively impacting my credit score. 

I understand that while we await approval from the loss mitigation team, XXXXXXXX XXXX  will still need to report my account as late. However, I want to emphasize that I requested hardship assistance in XXXX, yet I only received the necessary documents in XXXX. 

Had I received the forms on time, I would have been approved for a program that could have prevented the late payment from being reported, as I would have been approved before reaching the 30-day late payment mark.

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 2024-07-31 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: OR

Complaint narrative:
Found out about XXXX or more months ago that my credit file was merged with someone else, I called Trans Union and disputed it and got a confirmation number at the time that I disputed it. XXXX, I had them dispute my name and address. I ordered a new credit report today and they Allowed that persons name and information back on my credit report again. I disputed it again today as well.

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 2024-07-31 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & # 39 ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-07-31 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: IL

Complaint narrative:
My account with the DEPT OF EDUCATIONXXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 2020 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-31 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-31 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: GA

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX on behalf of the original creditor, XXXX, on my credit reports with XXXX, XXXX, and TransUnion. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue 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 
XX/XX/XXXX : The balance was reported as {$360.00} past due. 
Dispute Letters Sent : Date : On XX/XX/XXXX, I sent a dispute letter to XXXX requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to XXXX, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to TransUnion with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( XXXX, XXXX, and TransUnion ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with XXXX, XXXX, and TransUnion. 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit reports with Experian, XXXX, and XXXX. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue : Inaccurate Reporting : Date Reported : XX/XX/XXXX Balance Owed : {$360.00} Status : The account is being reported as unpaid and {$360.00} past due as of XX/XX/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 I sent a dispute letter to Experian requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to XXXX, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to XXXX with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( Experian, XXXX, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with Experian, XXXX XXXX XXXX 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.

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 2024-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Hello, I am reaching out in regards to my auto loan XXXX with Santander Consumer. This was opened in XX/XX/2024 XXXX setup autopay to start in XX/XX/2024 for some reason the money was not withdrawn but when I was made aware of this issue I quickly got it paid up. I have since reset the autopayments up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
These accounts have affected my credit status, and it is giving such a negative impact on me, hence, I did not deal any business with these companies. Attached to this complaint is an ftc report to support my case.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts have affected my credit status, and it is giving such a negative impact on me, hence, I did not deal any business with these companies. Attached to this complaint is an ftc report to support my case.

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 2024-07-31 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: NC

Complaint narrative:
Credit Reporting Act ( FCRA ). Under the FCRA, specifically in Section 605B, consumers have the right to block fraudulent information from their credit reports. If you are a victim of identity theft, you can take the following steps to have fraudulent inquiries removed from your credit report : I never inquired about vehicle finance with these companies, and I dont have a auto loan 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-31 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: TX

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 XXXX score. 

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

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 2024-07-31 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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