vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
My student loan debt collector is Mohela. I recently contacted them regarding my income driven plan and my recertification date. They initially informed me that my date was XX/XX/year>. When I informed them of the Department of Education announcement that borrowers whose recertification date was prior to XX/XX/year> would be pushed out a year, they told me my new date was going to be XX/XX/XXXX. On another part of the website, my recertification date is XX/XX/XXXX which is consistent with my recertification date from department of education loan information. 

My concern is that there are multiple recertification dates listed and when I speak to their representatives, they provide even more variability in the recertification date. According to my loan information from the database and from the Department of Education, my recertification date should be pushed back a year from the actual date which is XX/XX/XXXX. 

The lack of clarity regarding recertification dates leaves me questioning when I really need to recertify and if I miss one of their arbitrary dates, will they kick me off of my income driven plan in which case I will be ineligible for public service loan forgiveness for those months. 

I have also requested a refund for a month where my billing was inaccurate. They have promised a refund on multiple occasions but refused to provide any follow-up documentation and no refund has been processed or issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Penfed denies me a checking account vecause they cant process a fico credit score when i have proof of good credit.

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 2024-01-25 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: IN

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
While reviewing my XXXX and Transunion credit reports via XXXX, there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to XXXX  XXXX and Transunion for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX  - opened XX/XX/XXXX XXXX ) XXXX 's XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
While reviewing my XXXX and XXXX credit reports via XXXX there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to XXXX  XXXX and XXXX for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX ) XXXX - opened XX/XX/XXXX XXXX ) XXXX Bank XXXX XXXX - opened XX/XX/XXXX XXXX XXXX XXXX XXXX - opened XX/XX/XXXX XXXX ) Capital XXXX - opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Bank - opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX  Bank XXXX opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
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.

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

When disputed with the credit bureaus all Midland Credit did was report the balance increase by {$1.00} and it was never properly verified. 

I have requested the proof of debt three times and have not received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 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: LEXISNEXIS
State: IL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

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 XXXX, Account number : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Credit Report : # XXXX, Credit Report : # XXXX, has 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 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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX XXXX the company XXXX XXXX XXXX XXXX, was supposed to consolidate my student loan. They charge XXXX XXXX and then took XXXX more without my consent from my bank account. And never got my loan consolidate. Never send me anything. I call my student loan gov and said it must be a scam because never got o receive anything. From 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding a recent transaction involving my PNC Bank account. My name is XXXX XXXX, and on XX/XX/2024, I received a check issued by XXXX XXXX XXXX, which I promptly deposited into my PNC Bank account located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. 

Here are the relevant details : - My PNC Bank checking account number is XXXX, and the routing number is XXXX. 
- Although my account was originally opened in XXXX XXXX, New Jersey, both PNC Bank locations, including the XXXX in XXXX, Maryland, fall under PNC Bank , National Association - # XXXX. 
- The deposit was made from my current home address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. 
- My Social Security XXXX is XXXX. 

Upon depositing the check, I specifically instructed the PNC Bank teller to stamp the back of the check as a deposit only. I refrained from signing the back to ensure compliance with all regulatory requirements for a consumer check deposit. Subsequently, I verified with PNC Bank that the funds were available for withdrawal, and they confirmed that the issuing bank, XXXX XXXX, had released the funds. 

Over the course of several days, I made purchases using the funds, which amounted to several XXXX dollars. However, on XX/XX/XXXX, my account was unexpectedly overdrawn by the exact amount of the check, {$4900.00}. When I contacted the PNC Bank fraud department, I was informed that the issuing bank had recalled the funds, and PNC Bank had initiated the withdrawal without notifying me. 

This situation has left me in a precarious financial position, as I now face difficulties meeting my upcoming financial obligations, including my mortgage, car payment, and other essential expenses due on XX/XX/XXXX. 

I strongly believe that PNC Bank 's actions in withdrawing the funds without prior notice or authorization are unjust and potentially illegal. I never agreed to a credit line of {$4900.00} overdraft, and PNC Bank 's failure to inform me of any issues with the check or potential risks has caused significant harm. 

Despite my appeals, PNC Bank has refused to credit my account and has directed me to address the matter with the issuing bank. I contend that, as the bank that posted and approved the funds, PNC Bank should bear the responsibility for rectifying this situation promptly. 

I kindly request your urgent intervention in resolving this matter and ensuring that PNC Bank adheres to legal procedures that protect consumers such as me. I am seeking the immediate return of the wrongfully withdrawn funds to my account totalling {$4900.00} that were in my personal domain at my account solely under my control. It is against my wishes and that PNC Bank acted illegally in this banking transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NC

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was sick and I couldn't work for a year they didn't close my 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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: DC

Complaint narrative:
I had a credit card debt with Continental Finance Company that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then XXXX brought the debt for the same amount. XXXX sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with XXXX # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

XXXX looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/24 to open a dispute to contact XXXX to update this as paid and satisfied. 

On XX/XX/24 I contacted XXXX Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, XXXX informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.

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 2024-01-25 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: NJ

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: UT

Complaint narrative:
XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: MD

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation