vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In early XXXX, I took the initiative to order a copy of my annual credit report, only to discover a substantial number of inquiries into my Experian credit report. Puzzled by the frequency of these credit checks, which occurred almost daily, I promptly composed a letter on XXXX XXXX XXXX addressing Experian, XXXX XXXX, and XXXX XXXX. In accordance with the Fair Credit Reporting Act, I emphasized their obligation to inform me of the timing and purpose behind their attempts to access my report, asserting that I had not granted them consent for such actions. I explicitly requested the removal of any unauthorized inquiries from my credit report. Unfortunately, despite the passage of well over XXXX days, I have yet to receive any response from these entities. 

On XX/XX/2023, recognizing similar unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  , I promptly dispatched letters to each of them. Citing the Fair Credit Reporting Act, I underscored the prohibition against consumer reporting agencies furnishing records of inquiries not initiated by the consumer in connection with a credit or insurance transaction. These unauthorized transactions, therefore, are deemed illegal, as I did not initiate any of them. 

I am adamant about rectifying this situation promptly and insist on the removal of all unauthorized inquiries from my credit report. It is imperative to stress that I have never granted permission for any entity to inquire into my credit, and I expect immediate compliance with the Fair Credit Reporting Act to rectify this matter.

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 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Rooms To Go credit card managed by synchrony Payments are due on the XXXX of every month XXXX payment was made on XX/XX/15 Received an overdue notice with late fee. I called customer service and was told I paid when the statement was generating and therefore it doesn't count. Asked for policy in writing that says you can only pay between certain dates and they would not send but did remove late fee. Today I am being told my account is delinquent and I must make a double payment. Spoke to them again and was told I paid a day to early. I Requested they apply that to the XXXX bill and they said the request was denied. Went up the chain and requested again and was denied. I also requested something in writing that lists restricted dates and they couldn't or wouldn't send it to me. I asked to speak to manager and was denied.

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 2024-01-19 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: TX

Complaint narrative:
I sent a letter to the court reflecting on my credit reports to verify if they report to the credit bureaus. They responded and said no they do not report to any of the XXXX bureaus. I sent the letter the court sent me to XXXX of my credit bureaus and they denied my request to remove the information.

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 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: AR

Complaint narrative:
XX/XX/XXXX Funds was sent to me on google pay. I tried several times to verify my identity. XXXX  is XX/XX/XXXX my funds have not been released

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Without notice or reason, PNC froze my checking account on XX/XX/. They have restricted all account access including online banking. Access to even basic information such as balances, statements and tax details has been restricted. Even after several inquiries to multiple departments, no explanation has been given. 

The continued freeze on all funds threatens immediate and irreparable harm to me and my family. I'm the primary caregiver to both of my parents who are XXXX and require round the clock care. Payments for vendors, municipalities, mortgages and medical bills have gone unpaid and are now past due. I find these actions to be predatory and have reason to believe that my name and race are a factor. Humbly requesting your assistance with an expeditious resolution to this matter. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
XXXX XXXX XXXX XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/24 my American Express Serve Account was compromised and hackers were able to change my password and gain full access to my bank account. There were twenty {$40.00} unauthorized transactions made totaling {$800.00}. To date I have been in contact with AES and no resolution. It was no fault of mine but due to their negligence of not keeping my account protected per the bank agreement hackers gained access. I have bills to pay and again to date no refund & no resolution. I have been a government employee for over 30 years and a customer of AES for over 15 years. It's with total disbelief AES would allow this to occur as I am dissatisfied with their services. When this is resolved I will be closing the account as AES no longer see me as a valuable customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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 sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-01-19 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 sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: AR

Complaint narrative:
I was in the process of getting a mortgage in XX/XX/year> when we discovered a charged-off account listed on my Transunion credit report, as well as a collection for said account. I started a dispute on the credit card account through Transunion as well as contacted XXXX XXXX XXXXXXXX to get verification that the account was not mine. After XXXX phone calls with XXXX XXXX XXXX , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through XXXX XXXX XXXXXXXX XXXX as well as a collection on my Transunion report that is affecting my credit adversely. Transunion did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at XXXX XXXX XXXX did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently disputed negative items 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 non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
First and foremost, I am brand new to the world of credit. I have never owned, acquired or applied for any such credit card, loan or financing under my social security number. Upon creating an account with XXXX  XXXX  and XXXX, I noticed that I have a total of three hard inquires under my TransUnion Credit Report that are absolutely not mine again, I am new to the world of credit, and I am not sure if there is some sort of identity-theft taking place, or if my account is being mistaken for another. Please help me resolve this issue. My case number is XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CT

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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 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 2024-01-19 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: CT

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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 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 2024-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I was contacted today by Portfolio Recovery for a debt owed to XXXX XXXX. I've had XXXX XXXX XXXX cards in the past XXXX years, paid as agreed, and closed by my own recognizance. She didn't want to reveal anything about the supposed collection, but to only admonish me with my rights. I told her I have no debts in collection and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
I hope this letter reaches you well. I am writing to express my deep dissatisfaction and concern regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. 

The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Since then, I have diligently followed your agency 's established procedures for disputing fraudulent activity, submitting all requested documentation, including police reports, affidavits, and any other supporting evidence to substantiate the fraudulent nature of these entries. 

Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. Each time, I have complied with your requirements and provided the necessary information, yet the issue persists, casting a shadow on my creditworthiness. 

I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
An explanation for the repeated failures to address this matter in previous attempts. 
An apology for the ongoing distress and financial hardship caused by the unresolved fraudulent items on my credit report. 
I understand that errors can occur, but the continued presence of these fraudulent items on my credit report is not only damaging to my financial standing but also undermines my trust in the credit reporting system. 

Failure to address this matter within the exact timeframe from the date of this letter may leave me with no alternative but to pursue legal remedies or involve relevant regulatory authorities to rectify this situation. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an unauthorized collection account that has been placed on my credit report without my written consent, which is in violation of the provisions outlined in 15 USC 1692e of the Fair Debt Collection Practices Act.

I discovered that a collection account, was placed on my credit report.

Upon further investigation, I learned that this collection account was placed by LVNV without my written consent, which is a clear violation of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692e.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the unauthorized collection account is promptly removed from my credit report. Additionally, I seek the full protection and remedies afforded to me under the Fair Debt Collection Practices Act. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required. 

Sincerely,

Company response to consumer: Closed with explanation