vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
Open new checking account at XXXX  XXXX XXXX scheduled appointment XX/XX/XXXX. 45 minutes dealing with XXXX and branch manager XXXX male blue suit. Then because they wont tell you option online or on phone I get an account that I will have to change, I thawed my credit for verification to open and account with XXXX and equivalent but transunion had issues and still unresolved! Error code 301, mixed file? Still no resolution but reported to XXXX. Today XX/XX/XXXX, I get letter attached from XXXX XXXX XXXX stating unable to open an account with credit score indicated. Reasons : status of relationship with inquiring bank as compared to age of the established relationship with any bank, AND NUMBER OF INQUIRIES DURING LAST 30 days. 

I have an account with routing and checking, have all copies of signed documents they hassled me over providing, and deposit slip deposited into said account. Still no debit card, waiting on XXXX to deliver white envelope no tracking 3-4 more business days? The account wont allow checks and is not what I wanted it asked for. Letter states contact XXXX XXXX XXXX? No contact info? I want this resolved in timely manner as this information is incorrect. I have had a bank account continuously for years and previously a mortgage paid off in 2016 with XXXX  XXXX XXXX. Never late! I own my home and car and only get XXXX, live alone and XXXX XXXX! I expect a prompt response and resolution including a follow up letter and removal of negative reporting to all agencies immediately! Will provide an account and routing once acknowledged with XXXX  XXXX XXXX on new 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 non-monetary relief
Consumer complaint received 2023-12-26 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: FL

Complaint narrative:
I have said this before. Equifax has to be the XXXX credit reporting agency there is. Equifax continues to report the Fraudulent Account, XXXX XXXX XXXX ending i XXXX, on my Equifax Profile despite XXXX XXXX XXXX sending a `` flag '' to remove XXXX XXXX XXXX from my Equifax profile on XX/XX/2023. To Date, according to XXXX at XXXX XXXX XXXX XXXX Fraud Department the flag to remove the account from my Equifax profile has been sent to Equifax 5 times as of today, XX/XX/2023. In addition, Equifax had confirmed they received the FTC Identity Theft Affidavit concerning the Fraudulent Account of XXXX XXXX XXXX ending in XXXX on XX/XX/2023 an the letter I sent to Equifax from XXXX XXXX XXXX removing the Fraudulent Account ending in XXXX from all 3 Credit Bureaus. Again, 5 times? Thest people are XXXX! That or XXXX. I want this account removed IMMEDIATELY!!!!! Or I will take legal action against Equifax not only to have it removed but also for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am being discriminated against by this bank. I have a perfect credit record with a high credit score. I have a credit card with this bank, and always paid off the amount ever month. The first thing the bank done to me was deny me a raise in my credit limit with no reason given. Then I applied for a personal loan for {$5500.00}. After asking me all sorts of personal questions like if I am retired, my age and how long I owned my home. Then without any reason they again denied me my loan. I been a member of this bank for about 5 years. I asked another bank and they told me I am eligible for this loan. The only reason I claim that I was denied was because of my age, and that I am on social security payments. My payments go to this bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Cancelled the credit monitoring service from XXXX XXXX  on XX/XX/2021. They continued to charge my credit card for months later. Had to call on multiple occasions to get them to reverse charges. The charges kept coming so I called my credit card company to place a stop payment, which they did and said that it would continue for about 15 months. Timeframe for the stop payment just came to an end and XXXXXXXX XXXX then charges my card over {$200.00} for those 15 months and another {$13.00} for XXXX. I dispute the charges with credit card company and it comes back as a valid charge. I call XXXX XXXX again and the representative says that he sees that I cancelled in XXXX XXXXnd that theres nothing he can do about it. Told me to cancel my card and get a new one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-27 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: VA

Complaint narrative:
My credit report has been mixed with someone elses. Her name and my name are similar, as are our SSNs. I know the above information because all of her personal information was on my credit report, mixed with some of my own information. Disputes were filed on my behalf beginning in XX/XX/XXXX. Disputed would be resolved without the incorrect information being removed from my account ; XX/XX/XXXX a copy of all information required by Experian for personal identity verification was sent via certified mail to Experian. Incorrect information remains on credit report. As well, many of my accounts and loans are missing from my credit report. After multiple attempts to get this fixed by all channels available to me, Experian has been no help and only tells me to file another dispute.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have never went to court on any of my evictions and I was never served papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF EDXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX ; XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-12-26 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been trying to resolve this issue with Discover Home Loans since XX/XX/XXXX, XXXXwhich was the due date for my XX/XX/2023 payment. I was told that they would withdraw the payment from my new checking account when I called in to change my checking account information that was on file for my automatic payments. I pay my bills on time and realized that I did not have online access to update my checking account information at that time. The associate I spoke with assured me that my payment would be made and taken from my new checking account. 
Payment was actually withdrawn from the old checking account which resulted in a {$32.00} NSF fee. I called again and spoke with XXXX, a supervisor who PROMISED me that my XXXX payment would be withdrawn from my new checking account. I was told that they could not issue anything to me via phone request to have the NSF fee of {$32.00} refunded back to my old checking account. I was told I had to write in. I tried that and was given an incorrect email address. When no payment was made as promised by XXXX and when I could not successfully reach anyone, I filed a complaint with CFPB. Discover stated that they would issue a check for the {$32.00} NSF fee and that if I made the XXXX payment, that they would consider waiving the late fee. That is only when I learned that I was charged a late fee for something that wasn't even my fault. I wrote in called on XX/XX/XXXX, XX/XX/XXXX, wrote in on XX/XX/XXXX, and several other times. I was never told of the late fee until they answered the CFPB compliant. I have been charged interest, late fees, and never refunded the NSF fee they claimed would be mailed to me via a check. I did not request this refund check. I need something from them stating that I should have never been charged an NSF fee so that I can undo all the damage to the old checking account that they have caused. In addition to all of these fees/interest, I started receiving collections calls. No one from Discover would speak with me regarding my account issues or waive any fees because of the CFPB compliant. I have had no other choice but to pay the late fees and associated interest. This is unfair practice and is a direct violation of debt collection regulations as it pertains to mortgages. I need the following to happen in respect to this issue that has been going on for over 30 days : A letter on Discover Home Loans Letterhead stating that the NSF fee that occurred as a result of them debiting the old checking account back on XX/XX/XXXX was due to their error. I also need them to refund all associated fees ( late fee ) and finance charges to the mortgage account. In addition, they need to speak with me regarding my account and stop hiding behind the fact that I have submitted complaints against them. They have ruined my credit with this nonsense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
Subject : Request for Assistance - Discrepancy in Credit Reports Following Loan Forgiveness Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter related to the forgiveness of my student loans through XXXX, and the subsequent discrepancies in my credit reports. I believe your office can provide valuable assistance in resolving this issue. 

Identify the Problem and the Reason Behind It : Recently, my student loans with XXXX were officially forgiven on XX/XX/2023. The forgiveness resulted in a XXXX balance, and my accounts are currently in good standing. However, despite this forgiveness, my credit reports inaccurately reflect that the accounts are still open and active. 

Define Expectations : In seeking your assistance, my primary expectation is to rectify the inaccuracies on my credit reports. I anticipate that, with your intervention, the correct status of my student loan accountsclosed with a XXXX balancecan be communicated to the credit reporting agencies. 

Describe Actions Already Taken to Resolve the Problem : To address this issue, I have taken the following actions : - Contacted XXXX to verify the forgiveness and status of my loans. 
- Obtained documentation from XXXX confirming the forgiveness and a XXXX balance. 
- Disputed the inaccuracies with the credit reporting agencies, providing them with the supporting documentation. 

Despite these efforts, the credit reports continue to incorrectly reflect that my student loan accounts are open and active. 

Supply Documentation to Support My Position : Enclosed with this letter, you will find copies of the relevant documentation from XXXX confirming the forgiveness and a XXXX balance. Additionally, I have included copies of the dispute communications sent to the credit reporting agencies. 

I kindly request your assistance in investigating and resolving this matter. The inaccurate reporting is adversely affecting my credit profile, and I believe that the FSA Ombudsman Group can help ensure that the correct information is communicated to the credit reporting agencies. 

Thank you for your attention to this matter. I am willing to provide any further information or clarification that may be necessary. I can be reached at XXXX or 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 2023-12-26 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: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : OPORTUN/WEBBANK- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

OPORTUN/WEBBANK has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in XXXX to remedy the stress of potential losses, however, this has damaged the situation so much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I tried to use the card at the XXXX XXXX  for XXXX dollars on XX/XX/2023 it was declined. I tried to put the XXXX on XXXX it was also declined on XX/XX/2023. I tried to use XXXX dollars at XXXX  on XX/XX/2023 was also declined so I then tried to put the XXXX on XXXX and XXXX they were also declined on XX/XX/2023. 

I was given this gift card for my baby shower. Please is there anything yall can do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
I am XXXX XXXX XXXX. I believe I was taken advantage of. I purchased a furnace from a company now called XXXX XXXX XXXX XXXX XXXX 
They offered terms of 1year financing at no interest expense. I requested that I set up a bank autopay arrangement to make sure it was paid before the 12 months was up. They said they couldn't do that and offered an online payment system that I would control. I used that until it failed to work ( tech problems on their end ). So I requested auto pay again. They said they could only do it for 6 months. ( I discovered later that it was not auto pay with the bank, but someone manually debiting my bank account, monthly. I didn't understand why, but agreed to use that, believing it was a true auto pay, and intended to renew it when the 6 months was up, for the balance of the payments. ( I was concerned about these gimmicks ). After six months they quit debiting my bank account. I wanted to redo the autopay. They told me my balance as {$1400.00}, but expected me to pay before the deadline ( XX/XX/XXXX ). I wanted auto pay, and neglected to pay on time. I called them XX/XX/XXXX and they said I owed {$2300.00} to pay off the loan. That was {$930.00} more than the original loan amount. They had been charging me about 16 % interest daily until paid off, so I paid {$2000.00} on the XXXX, continued to argue with them about their tactics and gimmicks, and finally paid the remaining {$380.00} to avoid additional hassle and cost, on XX/XX/XXXX. 
They said they could have set up bank autopay in XXXX of XXXX, way after the deadline of no interest charges. If so, then why not originally so that it would have been paid on time, no problems. So I ended up paying {$930.00} additional cost for being six days late, plus additional interest until I paid in full. I believe their payment arrangements were intended to throw me off schedule on the payments, and not allow the easy, sure way of getting paid so that they could hit me with exorbitant interest and penalties. 
I am hoping that you can help me get back some of that exorbitant extra cost.

Company response to consumer: Closed with explanation