vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
COMENITY BANKXXXX XXXX XXXX a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. COMENITY BANKXXXX charge off shall be removed from all consumer reporting agencies reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc
State: OH

Complaint narrative:
Per my most recent credit report ( XX/XX/2022) shows a charge of for a company POSSIBLE FINANCE, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC Mortgage has refused to acknowledge my payment history ( despite providing it to me ) ever since my loan was purchased by them ( effective ) on XX/XX/2022. My payment history clearly shows my account being ahead one full payment for the purposes of bi-weekly mortgage payments. I was assured on more than one occasion ( verifiable by more-than-one recorded phone conversation ) that brining my mortgage " current '' would trigger the bi-weekly mortgage payment drafts that I had enrolled in. This never happened. Despite their assurances ( and an apology from " XXXX '' ), I'm now being told I need to make an additional full payment in order to begin bi-weekly payments. Furthermore, on or around XX/XX/2022 PNC Mortgage/Bank drafted ( withheld ) one half loan payment from my personal checking account. I had not provided account information nor had I authorized or desired this draft, as it was not in line with my existing biweekly schedule. I have repeatedly requested information as to how the amount of a half-payment was drafted and PNC employees have repeatedly dodged the question and refused to provide an answer. My complaint was move to the executive level where " XXXX XXXX '' ( full last name intentionally withheld ) was supposed to review my complaint and payment history and contact me the week before XXXX 2022- It is now XX/XX/2022 and ( despite 2-3 attempts at speaking with " XXXX XXXX '' ) I have not been contacted and my calls have not been returned. PNC has evidently decided to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, XXXX, XXXX, and Transunion each has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am demanding remedy due to the violation of the following Laws : Violation of : 15 U.S.C. 1681 ( a ). Protects the consumer 's right to privacy Violation of : 15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency can not furnish a account without my written instructions.

Violation of : 15 U.S.C. 1681c. ( a ) ( 5 ) 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 7 years. 
Violation of : 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 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX each has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am demanding remedy due to the violation of the following Laws : Violation of : 15 U.S.C. 1681 ( a ). Protects the consumer 's right to privacy Violation of : 15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency can not furnish a account without my written instructions.

Violation of : 15 U.S.C. 1681c. ( a ) ( 5 ) 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 7 years.

Violation of : 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under the FCRA 15 U.S.C & 1681i, all unverified inquires must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the accounts listed below within 30 days of the receipt of this letter, you must remove these accounts from my credit report. 


Please provide me with an copy of an updated and corrected credit report showing these items removed. 


I demand the following inquires be removed immediately. 



Name Of Inquiry : Date Of Inquiry : 1.XXXX XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX  XXXX XXXX 4. XXXX XXXX XX/XX/2021 5. 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and Account # XXXX XXXX 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 an account without my written instructions

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I applied for an Ashley 's card finance through Synchrony on XX/XX/22 got approved for {$3900.00}. Ashley was so XXXX that I bought 2 items they were advertised for {$1900.00} a piece the sales man XXXX stated that he'll give me both pieces for {$1400.00} a piece. I'm like cool right. Wrong on line the sofa was {$1500.00} marked down to {$1100.00} and the love seat was {$1400.00} marked down to {$1300.00}. So original price less that what they stated they were giving me a deal for. 

Sent the sales man a text never responded back. Got the furniture on XX/XX/22 and the love seat was missing a piece. Called customer service and the rep stated that since I had an issue she was refunding the delivery fee back of {$220.00}. 

Cool so I drove to the store since the Sales man never responded back and showed him the ad. He got his manager involved, basically I was told that since the Sofa was delivered I couldn't get the {$300.00} difference back because all purchases were final, however he would give me the difference back for the Love Seat because it was an exchange. It took forever and a lot of foot work but final that went back to my Ashley 's card. 

That same Sales man sold me 3 barstools and loaded them into my car. Got home and one of the barstools was broken. Called him back and he basically stated all sales were final. This company is a rip off. No one has nothing good to say about Ashley 's except the quality is good but service is horrible. 

My disputes is it's XX/XX/XXXX and I still haven't received the delivery fee back. Customer service said they refunded it back to my Ashley card and Ashley card say they never received it, in which is true as my balance doesn't reflect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A XXXX was filed, but I have not received my copy. XXXX XXXX charge off shall be removed from all consumer reporting agencies reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. XXXX XXXX charge off shall be removed from all consumer reporting agencies reports 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
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I've already sent several letters to the creditors asking them to remove these late payments yet they have not abided by what I have requested. They also have violated my consumer law because they never gave me the option to opt-out out of reporting this information to a third party. 

According to 15 US Code 6802 b, which states that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. 

Date of late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account : XXXX XXXX Account number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of first charge-off payment : XX/XX/XXXX The account was closed in XX/XX/XXXX ; additional late payments were added after the account was closed in XX/XX/XXXX Account : XXXX XXXX XXXX  Account 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This item is reported late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account below : 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 non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/2022, I used the western Union transfer platform to send the sum of {$450.00} to my sister in XXXX, XXXX to pay my mothers medical and other sundry bills. According to the terms of the transfer, western union affirmed that the money would be delivered to my sister, XXXX XXXX XXXX XXXX account in XXXX Bank XXXX XXXX on XX/XX/2022. I was issued with a transaction and XXXX # XXXX by western union. In line with western unions delivery date of XX/XX/2022, my sister went to the nearest XXXX Bank to her residence on this date to confirm if the {$450.00} I sent has been delivered to the Bank and to pick up the money. She was however told by the Bank XXXX who oversees the western Union XXXX XXXX and international transfers, that there was absolutely no transaction associated with the XXXX number I was given by western union. My sister immediately called to inform me that the {$450.00} I sent to her through western union was not given to her by XXXX Bank because there was no transfer from western union to support the transfer. I then frantically called the western union XXXX here in the XXXX on XX/XX/2022 to find out the status of the money I sent to my sister through them. I was told by western union that it typically takes about 2 days from when the the Bank arrives in XXXX to process the delivery of the money to the recipient. In this context, western union said that I should tell my sister to return to XXXX Bank in XX/XX/2022 to pick up the money. Consistent with western unions advise, my sister again returned to XXXX Bank on XX/XX/2022 to pick up the money. The XXXX Bank XXXX transfers XXXX checked through the system and again told her that the said money has still not been sent to them and added that there was no record of the transfer. Bottom line, my sister left the Bank without the money. Before she left the Bank, I was able to speak with the XXXX Bank XXXX who confirmed that there was no record of my transfer in the system and told me to call western union to find out the status of my transfer. At this point, I because utterly frustrated and called the western union to complain about the non-delivery of the {$450.00} I transferred to my sister through them and humbly demanded that the money should kindly be refunded to me. They raised a case with case number XXXX and told me that they would contact the Bank XXXX Bank in XXXX to find out the status of the delivery and consequently refund the money to me. I want western union to refund my {$450.00} ( they can keep the transfer fee ) for their inability to deliver the money to my sister. I have repeatedly called western union to ask for my money and they have still not refunded my {$450.00} to me. I will therefore greatly appreciate if you could kindly intervene in my behalf and ensure that the {$450.00} which they have still not deliver to my sister is refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

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 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XX/XX/22 PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) furnished my personal information ( identity theft ) and tried to collect an alleged debt from me. I sent letter on XX/XX/22 asking for competent evidence that I have/had any obligation to pay PRA. I received letter from PRA on XX/XX/22 with incompetent evidence nor any debt validation I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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