vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC Bank assumed from XXXX XXXX ( of XXXX ) the existing mortgage on my home as of XXXX. All documentation, minimal as it was, provided to me indicated that all financial and legal information, including titling and locality, were correct. The exact same payment terms, amount and apportioning to principal, interest, and escrow for payment of quarterly real estate taxes ( to municipality ) were represented. Subsequently, for the XXXX, 2024, taxes billed and due in XXXX, 2024, were not paid. No notice was given. The next PNC statement clearly showed the continuing receipt of funds for escrow, but payment was not made. Subsequently, for the next quarter of the year, the municipality in invoicing for the quarter also showed the unpaid taxes as well as the assessment of interest and fines according to XXXX Law. I twice attempted to discuss this by telephone with PNC Bank even on the second call requesting a supervisor or XXXX but they refused to discuss this and actually terminated the calls. 
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Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 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: MI

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX  XXXX & [ XXXX XXXX XXXX ], & XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.

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 2024-04-04 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: MI

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX XXXX & [ XXXX XXXX XXXX ], & XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.

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 2024-04-04 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:
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
Thank you for providing the original contract with XXXX XXXX. While this confirms my obligation to the original creditor, it doesn't establish your right to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request debt verification and you are obligated to provide it. To proceed, I require verification of your legal authority to collect this debt on behalf of XXXX XXXX. This verification should include my authorization to sell or transfer the account to the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX GLA Collection company added XXXX XXXX XXXX for {$1300.00} on my report that I am not aware of. I have never been contacted by GLA or anyone else regarding this account, I was notified by XXXX. I have never been billed, nor know who the medical facility or provider is that the original debt belong to. My insurance has never been billed either, because I have no denied claims. I have disputed this information, as well as mailed a letter to GLA disputing these accounts, because XXXX is obviously a duplicate. This is severely impacting my credit and it needs to be removed immediately. I pay all bills in a timely manner that are mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: NH

Complaint narrative:
MaxLend makes 200 % in borrowing {$400.00}. This company and all others like them need to be shut down and held liable. You need to make sure they NEVER take advantage of any other person needing help. This is highly unacceptable and unfair banking. 

They took advantage of me as I fell on hard times and paid them back. Please shut disgusting practices like this down NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have made multiple disputes with " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' regarding information they are reporting on my credit report. They have never responded to me with any proof whatsoever that I ever agreed to open an account with them. 

I recently realized that I could prove I never opened the account by asking for specific details. So I disputed specific information about the account, including the amount claimed to be owed, and the dates of the supposed account opening and account closing. 

" XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' was clearly upset by this, and decided to get revenge for having been called out on breaking the law. They have now sarcastically updated my account, but to make it appear even worse. 

Despite the account having shown as a collection/charge off since at least XXXX, they updated the account to show a last payment date in XXXX. This also makes the account appear as open, which makes my percentage of used credit appear higher than it is, which significantly harmed my credit score. 

They can not prove I made I payment in XXXX, because I didn't make a payment in XXXX. The same way I never opened an account with them at all. 

They are intentionally breaking the law, and childishly increasing the number of times they do so to make a point.

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 2024-04-04 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ive received alerts describing suspicious activity on my account, so it was suspended in the meantime. When I called to lift the suspension and remove any misconceptions of any fraudulent activity, I was told by two different representatives between two different calls that my account was set for closure and that they couldnt provide me a reason why. Despite the suddenness of it all, I havent been given an option or a remedy as to how I can rectify the issue or what caused it in the first place. Ive had this bank account at J.P. Morgan Chase since I was XXXX years old and now its being shut down immediately without a reason given to me as to why. The suddenness of this seems fraudulent on their behalf as they are my security transfer agents and Im yet to address them regarding their fiduciary duties that havent been upholding properly. 

Contact me for any account details that are needed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Complaint against Wells Fargo Bank XX/XX/XXXX XXXX. Well Fargo Bank ( WF ) has not exhibited fiduciary responsibility in handling the opening of my new account with large sums of money, the subsequent wire transfers, and case review after I discovered the fraud. 
XXXX. No one at the WF branch office or higher corporate approval levels, asked any questions with my opening a new account with XXXX XXXXXXXX deposit or with the soon after wire/s out. 
XXXX. WF failed to review and research where the funds were going ( the XXXXXXXX XXXX  ) for potential fraud. 
XXXX. Confusion, inaccuracies, and errors in the WF case handling with no continuity from XXXX ( XXXX ) different corporate office representatives stating they were in charge of my case. 
a. The Reps included : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. WF ignored my voicemail and email requests to discuss errors and actions prior to rendering the case closed. 
Fraudulent Wire Transactions ( all to XXXXXXXX XXXX  ) : XX/XX/XXXX {$600000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$330000.00} XX/XX/XXXX {$42000.00} Total {>= $1,000,000} Wells Fargo Errors : XXXX. WF added legitimate wires to my claim in error causing on-going issues for my legitimate recipients. I initially identified XXXX wires ( listed above ) to be included with WF XXXX XXXX XXXX. 
XXXX. WF letter on XX/XX/XXXX stated in error that I withdrew my claim for wires totaling {>= $1,000,000}. I took No such action. ( see attached copy ) Wells Fargo Inaccuracies : XXXX. XX/XX/XXXX WF XXXX XXXX XXXX stated incorrectly that the XXXXXXXX XXXX has since gone out of business, implying the reason for lack of funds recovery. 
XXXX. XX/XX/XXXX WF XXXX XXXX XXXX stated incorrectly that the fraudulent wire transfers were done on-line and therefore there was no way to stop them. The wires were done in person at the WF branch office in XXXX, PA. 
XXXX. WF letter dated XX/XX/XXXX inaccurately stated that XXXX ). I asked for all wires from my account to be included and XXXX ). That they ( WF ) informed me that some wires were legitimate. I identified the issue to WF XXXX XXXX on XX/XX/XXXX. ( see attached copy )

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 2024-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: PA

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 or delete this account from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Several of the mentioned accounts contain inaccuracies concerning reporting, amounts, and dates.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last month I notified this credit bureau that they were reporting information I never gave written consent to be reported on my credit report. I was ignored by them, and this matter was not addressed accordingly.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. 
I demand that this company remove any claims that are on my credit report immediately.

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