vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: VA

Complaint narrative:
I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$330.00}. FRAUDULENT ACCOUNT NAME-XX/XX/XXXX, ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$120.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XX/XX/XXXXXXXX XXXX ACCOUNT XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$2800.00}. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNTNUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$20000.00}. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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 received on my credit report saying I owe XXXX which I do not have a XXXX XXXX  account. never had one with them send in a letter asking for verification have not received Based on 15 USC 1681 states I am aware all rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ) and this account has violated my federally protected consumer rights to privacy and confidentiality.

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 2024-06-19 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-19 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: GA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 XXXX 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXXXX/XX/XXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX {$97.00} XXXX XXXX - XXXXXX/XX/XXXX XXXX {$2000.00} XX/XX/XXXXXXXX - XXXX Accounts : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX - XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: AL

Complaint narrative:
have attempted to rectify all incorrect accounts and unauthorized inquiries on my credit report, but I have yet to receive any response from the three bureaus. This issue is causing me a lot of stress. I urgently request the removal of these listed accounts and inquiries. 
Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$13000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX - XXXX Account Number : XXXX  When was the Account : XXXX. XXXX, XXXX Account Balance : {$2900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account : XXXX XXXX, XXXX Account Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account : XXXX. XXXX, XXXX Account Balance : {$57.00} XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: NC

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$1300.00} Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} DP OF EDUC - XXXX {$2000.00} DP OF EDUC - XXXX {$3500.00} DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX

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 2024-06-19 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: U.S. BANCORP
State: MA

Complaint narrative:
XXXX XXXX sent me a letter saying that the report was prepared on XX/XX/XXXX After looking at the report it showed that someone opened an account with USBANK XXXX. The account Routing number shown in the report is # XXXX and the account number shown in the report is # XXXX. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This is a savings account. The document sent by XXXX XXXX shows my first and last name, my address, my social security my date of birth with is correct however the drivers license ID # XXXX provided to open the account is not my drivers license number. The ID State is MN which is not where I live. 

Upon reviewing the information I submitted a dispute and provided my two drivers license, one who was inspired and the current updated both with same ID number which does not correspond with the ID number on the report. 

On XX/XX/XXXX I received a letter from XXXX XXXX  saying that upon investigation based on the information I have provided the records was removed from my file and no further information existed on my records. 

On XX/XX/XXXX XXXX XXXX sent me a letter stating that they have proceeded with my request fir file discloser ad based on the information I have provided they have determined that I did not have a consumer file on their system. 

On XX/XX/XXXX I received a letter from XXXX XXXX stating that a further investigation reviewed of the deleted information has resulted in the determination that the original information has been reinserted in my XXXX XXXX file. The letter also shares that the furnished of information contained in file many be contacted at : US BANK N.A. XXXX XXXX XXXX XXXX, WI XXXX with phone number XXXX I contacted XXXX XXXX asking why they have reentered information in my file after I showed that my drivers license is not the same people used to open the account. I also asked them to help me but they informed me that I needed to appeal again.

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 2024-06-19 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: GA

Complaint narrative:
Credit Reporting Agency has been furnishing accounts on my consumer report that I have no knowledge of. This is in violation of the FCRA laws. There are also hard inquiries for accounts that I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
I recently reviewed my credit report and was deeply troubled to discover several inaccuracies that have caused me significant distress. These items are unverifiable, invalidated, and questionable, and they do not reflect the accurate status of my financial history. 

As per the Fair Credit Reporting Act, it is crucial that all information on my credit report is reported accurately. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly stipulate the requirement for complete accuracy in credit reporting. 

I have enclosed copies of all correspondence I have sent regarding these discrepancies for your reference. I kindly request that your agency promptly investigates these issues and takes the necessary steps to correct the errors in my credit file. 

Thank you for your attention to this matter. I look forward to your swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: GFS II, LLC
State: VA

Complaint narrative:
Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX by : Consumer Portfolio Service Date of Inquiry : XX/XX/XXXX XXXX. XXXX by : XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX 4. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Inquiry by : XXXX XXXX XXXX Dealer Date of Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 3. Inquiry by : XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX 4. Inquiry by : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 5. Inquiry by : XXXX XXXX XXXX  Dealer Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC closed my account without knowledge and no letter or anything. When I was aware of the closing of my account, I wasnt allowed proper time to remove my direct deposit, accounts automatically drafted from my account, and current disputes. They also shut my debit card without knowledge and when I went in person and contacted customer service they never mentioned anything about my account being closed. 

All I had previous disputes that were over {$3000.00} money that was fraudulent taken out my account from XXXX ( XXXX ) that I didnt authorize. And when I contacted the bank numerous times during the time period asking if funds were taken out my account from XXXX or XXXX because they had taken money from my credit cards and I was informed by customer service that it wasnt. Also I was XXXX  for XXXX months in XXXX  with XXXX  XXXX and multiple XXXX  and Im permanently XXXX. It was also other merchants who had taken money out my account that I didnt authorize and it was fraudulent activities. 

Im completely frustrated how PNC has treated me and I believe its due to racism. I respond to how they treat me. They have been unreasonable, unprofessional, and unhelpful along with being liars. 

Closing my account without informing me in enough time, sending my check deposit back, etc caused me late fees and issues with my other accounts that come through my account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-19 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: VA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-19 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: NM

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 2024-06-19 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: NM

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 explanation