vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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:
Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX. XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in 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 2024-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On or about XX/XX/XXXX I mailed out via XXXX certified mail an Identity Theft report dispute package XXXX instructs victims like me to use as a safeguard to make sure items are properly verified. The packages were XXXX certified to XXXX, XXXX and XXXX regarding an alleged Bank of America account showing on my credit report. 
They received the first dispute packages on or about XX/XX/XXXX. I never received any correspondence or documentation. 
I waited patiently for 6 months. I then filed a direct dispute to Bank of America and enclosed " What Information Furnishers Need to Know '' This 8 page document was prepared by the Federal Trade Commission and explains what Data Furnishers need to send consumers like myself to resolve this Identity Theft issue as it relates to the alledged Bank of America Account.

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 2024-07-24 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: CA

Complaint narrative:
Subject : Complaint Regarding Experian and XXXX XXXX to Respond to Initial Complaint within XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and Experian, they have not acknowledged or addressed my complaint within the XXXX period specified under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to Experian and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that Experian and XXXX have accessed and reported on my credit information for over XXXX  years without my authorization or knowledge. According to Section XXXX of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize Experian XXXX XXXX to use or report on my credit information for any purpose. According to Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as Experian and XXXX are required to conduct a reasonable investigation within XXXX  days, unless they consider the dispute to be frivolous or irrelevant. In my case, both Experian and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. Experian and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Experian and XXXX for their failure to comply with federal law. Specifically, I request that Experian and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both Experian and XXXX 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I went to a PNC branch in XXXX XXXXXXXX XXXX at approximately XXXX XXXX on Tuesday XX/XX/year>. The location has no tellers assisting with deposits and all cash deposits must be done through the sole ATM right by the front door. This machine counts bills as you insert them in, and occasionally rejects bills that are unable to be read. I was depositing approximately XXXX XXXXXXXX {$2200.00}, all cash that I had made from my summer job. While I was straightening out my last few bills, and with over {$2100.00} counted in the ATM, my transaction was suddenly cancelled and my card was returned to me. All the money that I had just submitted had disappeared from the screen, and I was given no receipt of any kind. I informed a teller immediately, and was told I would have to file a dispute, despite my money still being right there in the machine. Additionally, all of this should have been captured by the camera on the ATM. When following up the next day after I had still not received my money, I was told it could take a month and a half to receive my money. I am a student and I need this money nownot in XXXX days. This is an extremely frustrating example of negligence that has been exhibited by this bank, and I am disappointed at how its been handled thus far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I called the office at XXXX ( XXXX ) XXXX to resolve my {$500.00} debt. XXXX XXXX was XXXX  and XXXX  in moving forward with this process demanding {$2000.00}. I asked if the website would be fixed to move forward that way to pay online. She demanded that I give her my banking information over the phone. She refused to give me the address to move forward to pay my debt. She said she would not accept my payment any other way. The website is under construction. All of this verbal abuse and sketchy behavior is something that I dont understand as a consumer. At this point I have no way of paying my debt. I sincerely hope that the call was recorded to move forward with a thorough investigation. I want to resolve this, but XXXX cant speak with XXXX XXXX due to her verbal abuse and disrespect. I contacted XXXX  and I was told that her rating is a XXXX My only purpose is to resolve my {$500.00} debt. How can I move forward?.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: GA

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC 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 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 2024-07-24 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : 24148820 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 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 2024-07-24 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Suddenly, my entire ROBINHOOD account was put on restriction. I use ROBINHOOD as my checking, as well as their investing services. All of my accounts are locked. I am in XXXX XXXX on vacation and the only info they can give me is that the system flagged my account and there is nothing they can do until days from now. I have never had any problems with them. I dont do anything nefarious nor beyond their guidelines and terms. I have used them for over XXXX  years and now while Im away on vacation, they lock everything with no real explanation nor help to override the system flag. This company is treating its customers like XXXX and deserves to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filed a complaint with Care Credit back in XX/XX/year> for unauthorized fees charged to my card without my permission by a vendor. The case was closed because the original complaint was filed incorrectly by associate. Revised complaint was being worked on by corporate investigation team member. I was told this would be resolved within 15 days ( that was XXXX months ago! ). XXXX months later nothing was done so I called corporate only to find the member working on the dispute, XXXX, was on medical leave and didn't pass the file we had spent over an hour on to anyone. I spoke to someone named XXXX at corporate in early XXXX where she stated she would get answers and expedite my dispute after spending another hour updating her on the dispute details. To date I have not heard from anyone regarding my dispute. My account doesn't even show I have a current dispute. I requested corporate contact me last week and they didn't. I have an ongoing Texas Medical Board complaint associated with the dispute. Care Credit has completely failed and dropped the ball on resolving these FRAUDULENT charges to my account. 

Total negligence and failure to resolve this dispute in a timely and efficient manner.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is absolutely frustrating and stressing me out, there are errors on my credit report that is unfairly affecting my score. How can I achieve the XXXX  dream when I am living a nightmare? This is insanely distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: SC

Complaint narrative:
PORTFOLIO CREDIT HAS VIOLATED MY RIGHTS AS A CONSUMER AND VIOLATED SEVERAL LAWS THAT IS SUBJECT TO A LAWSUIT. PORTFOLIO CREDIT IS IN VIOLATION OF -15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT - 18 USC 1028 A - AGGRAVATED IDENTITY THEFT - 18 USC 1028 A -15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE -15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT - 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY -15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION - 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION -15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION -15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE -15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS -15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT - 42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER -15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY -15 U.S. Code 1681 Section 602 A Section 2 -15 U.S. Code 1602 - Rules and constructions -15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies -VIOLATION OF ORDER TO CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TSI wrote back to the CFPB that they needed proof of an account they are trying to collect on. I never had an account with TSI or signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Research Center, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX loan we have been trying to get XXXX XXXX now for over a year and. Company advised me my XXXX. Been denied XXXX times within six months affair waiting reapply which would.affect your credit rating.due to scores. Within these 3x we have been denied. things removed XXXX showing reports. on our credit report my husband who is a 70 Year XXXX XXXX veteran, and also wnom was employed for veteran affairs after .retirement. Now, unable to receive a preapproval letter for fist time homes loan the reason why most. People list list to make sure that your family and you have housing benefits. credit and things in that nature XXXX. XXXX put his line on the line for United States and worked for veteran affairs. Now. We. unable to receive a housing due to credit purposes now Be being a form due to a FICO score Range for veterans loans range has meet XXXX. And which seems that is never happened. Due to so many errors credit specialist whom once removals also credit disputed. things are being replaced back showing on our credit report... Soon as it seems get close to lreach preapprovel., Something's happens to prevent us from getting The preapproval Questions now is this done purposely. 
families that's NOW listed in the services. Whom about to fight for the country. Do they know that they might be without housing. when they come back due to credit score due to errors made or the credit report. Question credit veteran is there any money for loans for housing using the XXXX XXXX veteran services?. Me and my husband has attached our bank card to the XXXX XXXX 's To decrease our credit rating in our scores noticed the reporting has gotten worse. Account that been paid off made on time has changed now we sold errors due to us trying to seek preapproval for XXXX The question now is this done purposely. After this company denied you.they don't contact, you. Until next Denial.

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