vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is response to complaint number XXXX have reviewed my consumer report and noticed that I had inaccuracy of late payments on an account that I was never late for : XXXX, XXXX ( 30 days ), XX/XX/year> ( 60 days ) ( Account # XXXX ) and inaccuracy of " Account Type ''. 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 [ 15 U.S.C. 1681 ( b ) " Accuracy of Report '' ]. I have never been late on payment for the account that I have included in the screenshot inside this complaint. Investigate this billing error [ 15 U.S.C. ( a ) ( B ) ( i ) & ( ii ) and 15 U.S.C. ( b ) ( 2 ) ( 4 ) ( 5 ) and provide me proof with statement showing that these payments were late. In general ( timely notice ) notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after furnishing the negative information to a consumer report agency described in section 1681 a ( p ). In coordination with other disclosures, the notice required under subparagraph ( A0 ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the consumer ; and clear and conspicuous. FCRA ss 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires certain financial intuitions to provide written notice to a consumer before furnishing negative credit information to a consumer reporting agency. If proof can not be provided I demand these payments be updated to " Paid as agreed on time, never late '' as should be due to the fact I was never late.

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 2024-10-18 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:
Upon checking my credit file I found several accounts that should not be there. I'm now writing to dispute the following accounts.1 ). XXXX # XXXX {$230.00} CHARGED OFF XXXX XXXX XXXX XXXX  # XXXX {$2600.00} CHARGED OFF XXXX ). XXXX # XXXX {$13000.00} CHARGED OFF XXXX ). XXXX XXXX XXXXXXXX {$0.00} CHARGED OFF XXXX ). XXXX XXXX XXXX XXXX {$0.00} CHARGED OFF XXXX. ) XXXX # XXXX {$9900.00} CHARGED OFF XXXX ). XXXX # XXXX {$15000.00} CHARGED OFF XXXX ) XXXX  # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX  # XXXX {$75.00} XXXX XXXX XXXX XXXX  XXXX {$4500.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX XXXX XXXX XXXX XXXXXXXX {$6700.00} CHARGED XXXX XXXX XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX ) XXXX XXXX XXXXXXXX {$550.00} XXXX ) XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$10000.00} REPO XXXX XXXX XXXX XXXX XXXX {$720.00} CHARGED OFF XXXX ) XXXX XXXX XXXX XXXX {$5200.00} CHARGED OFF SOLD TO XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX {$12000.00} CHARGED OFF XXXX )XXXX XXXX XXXX XXXX  XXXX {$1000.00} CHARGED OFF. ALSO THERE ARE SEVERAL INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Uder the Fair Credit Reporting Act, Section 15 USC 1681 ( b ) it is required that consumer reporting agencies only furnish consumer reports for specific permissible purposes. The conclusion of inaccurate or unverifiable information in my credit report does not meet these permissible purposes. 
Please delete all the disputed items as soon as possible. And update my credit report in the time required by law. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
Upon checking my credit file I found several accounts that should not be there. I'm now writing to dispute the following XXXX ). XXXX # XXXX {$230.00} CHARGED OFF XXXX ) .XXXX XXXX XXXX XXXX {$2600.00} CHARGED OFF XXXX ). XXXX # XXXX {$13000.00} CHARGED OFF XXXX )XXXX XXXX XXXX XXXXXXXX {$0.00} CHARGED OFF XXXX ). XXXX CLUB # XXXX {$0.00} CHARGED OFF XXXX. ) XXXX # XXXX {$9900.00} CHARGED OFF XXXX ). XXXX # XXXX {$15000.00} CHARGED OFF XXXX ) .XXXX XXXX XXXXXXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX XXXXXXXX {$75.00} XXXX ) XXXX XXXX XXXXXXXX {$4500.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX XXXX XXXX  # XXXX {$6700.00} CHARGED XXXX XXXX ) XXXX XXXX XXXX {$1000.00} CHARGED OFF XXXX ) XXXX XXXX XXXX {$550.00} XXXX ) XXXX XXXX  XXXX {$170.00} XXXX ) .CNS PORT SVC # XXXX {$10000.00} REPO XXXX ). XXXX  # XXXX {$720.00} CHARGED OFF XXXX ) XXXX XXXX # XXXX {$5200.00} CHARGED OFF SOLD TO XXXX XXXX ) XXXX FINC XXXX XXXX {$12000.00} CHARGED OFF XXXX ). XXXX XXXX XXXX XXXX {$1000.00} CHARGED OFF. ALSO THERE ARE SEVERAL INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Uder the Fair Credit Reporting Act, Section 15 USC 1681 ( b ) it is required that consumer reporting agencies only furnish consumer reports for specific permissible purposes. The conclusion of inaccurate or unverifiable information in my credit report does not meet these permissible purposes.

Please delete all the disputed items as soon as possible. And update my credit report in the time required by law.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On the day of XX/XX/XXXX i used the atm at a XXXX XXXX XXXXXXXX XXXX XXXX ATM. I currently bank with chime bank. During the transaction, which was a withdrawal for {$400.00}, first it took the atm about 5 min to even release my atm card, then i asked the XXXX employee is its something wrong with the atm he said he dont know cus he doesnt use it, then once it finally came out i waited an additional 15 tro 20 min trying to see why my money didnt come out. The manager at the time at the XXXX  gave me XXXX XXXX XXXX phone number then they instructed me to do a dispute with my bank because they couldnt do anything about it because I didnt bank with them. I did my first dispute on the XXXX and since then it has been denied 4 times. The information they sent me clearly stated from XXXX XXXX XXXX that they never received the credit for my transaction and showed it was an atm error but still chime is deciding to deny my claim and say no error was made. The last time i appealed it i spoke with a manager that did it and after looking at the documents he himself even was confused on to why my claim is getting denied. I tried to do a police claim so they can run cameras and the non emergency police was XXXXXXXX XXXX me saying that Ive already gotten the money probably and thats why my claim is being denied. Poor excuse for a public servant and i will also do a complaint with the XXXX pd for the behavior of their officicers. In this day and age {$400.00} is a lot of money and i will not a stop until i get whats mine and at this point I deserve more for all the time and effort put into simple doing your job instead instead of stealing from a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank has been illegally holding my money for 3 weeks. My Check Deposit Hold Was Lifted After 16 Days and then placed back on hold when I stepped in the branch and tried to withdraw my money after PNC fraud department have confirmed that the check is legitimate. I spoke with someone named XXXX at the Pnc branch located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX was very rude, she also lied to me saying XXXX XXXX XXXX informed her that my check was fake. I instantly called XXXX XXXX XXXX  to ask about this nonsense and they told me they never gave anyone this false info & that they are not allowed to verify checks over the phone unless its through the automated system!! This bank has been illegally holding my money and suspecting me of doing fraud because I am a young XXXX man with long hair. I will take legal action if my money is not released within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX  XXXX late payment : XXXXXXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Personal Information : Name : XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address XXXX es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX late payment : XXXX XXXX XXXXXXXX XXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Personal Information : Name : XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address XXXX es ) : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX FL XXXX Employers : XXXXXXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-18 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: CA

Complaint narrative:
Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.

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 2024-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( EQUIFAX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> ). 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
Account was restricted again on XX/XX/XXXX after it unrestricted. Tried to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
RE : Debt Validation and Cease-and-Desist Request Dear Portfolio Recovery Associates, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to formally request that you provide documentation validating this debt. Additionally, I request that you immediately cease and desist from all collection activities regarding this alleged debt until proper validation is provided. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the total debt amount, including a detailed breakdown of the principal, interest, and any fees. 
Documentation showing the existence of a contract or agreement between myself and the original creditor, demonstrating my obligation to pay this amount. 
Copies of all assignments or transfers of the debt, including evidence of the transfer from the original creditor to your agency. 
Proof of securitization, if the original creditor securitized the debt. 
Documentation of any transfers or assignments to secured trusts or back to the original creditor. 
Until you provide the requested information, please cease and desist from : Reporting this debt to any credit bureaus or accessing my credit report. 
Communicating further with me about this debt, except to provide the requested documentation. 
Permissible Purpose If you have accessed my credit report, please provide your permissible purpose for doing so. I dispute your right to access my credit information and request that you not take any further actions in this regard. 
Notification to Other Collectors If you transfer or sell this debt to another collector, you are required to notify them of this dispute and provide them with a copy of this letter. 
I dispute the validity of this debt. If you have already reported this debt to any credit bureaus, please ensure that the dispute is reflected on my credit report in accordance with the law. 
Please treat this letter as a formal notice to cease and desist any further collection efforts until proper validation of this debt is provided. I expect your timely response within the guidelines of the FDCPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief