vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
I have informed transunion, XXXX and XXXX of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.

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 2022-03-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX my attorney reached out to XXXX XXXX requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both XXXX and their Attorney. 

XXXX was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.

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 2022-03-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX my attorney reached out to XXXX XXXX requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both XXXX and their Attorney. 

XXXX was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.

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 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I financed a new XXXX in XXXX of XXXX with BBVA. Last year PNC announced that they would be taking over BBVA and all of its loans. Immediately there where problems for my account. I was locked out of my online access, the hold times were extremely long, I could not pay my car note the weekend it was due because the systems were down for the merger. Once the systems are back up I start getting calls and text from PNC about my bill. I assumed that this was a mistake because I had made a whooping XXXX payment on my own previously so there should be no way for me to be late or owe anything at that current moment. The calls, text, letters, and emails consistently continue to roll in. I finally get a moment to call PNC back, I hold on the line for XXXX minutes to get a rep to tell me the big hoopla is over {$70.00}. Even tho I paid XXXX to this loan in advance I was harassed for {$70.00}. PNCs explanation? The way their system applies the payments aint was {$70.00} short on a future payment and thats why I was being harassed. A couple of months lateXXXX XXXX XXXX XXXX XXXX and was XXXXd with XXXX. I called PNC to let them know ( the hold time, still ridiculous ) and see how I could work with them on payments until Im back on my feet and they have me make a huge payment and take XXXX of my note for 3 months that will go to the back of my loan but only if I can make those 3 payments in full on time. XXXX of XXXX is still a lot. Im asked a million questions just for that?!? The rep gives me another number to get another depart that may or may not be able to do anything for me but Im for sure in for another long hold. After over an hour I hang up. I try a few more times to reach that department, and then I try to refinance directly with PNC but I was denied after I was encouraged by their suggestions via email and in my portal. My credit score drops from this and I get a new inquiry. 2 weeks ago PNC reports a late payment to the credit bureaus and puts a note that its because of a natural disaster. This company is impossible they are rude disrespectful and unhelpful. They dont care about anything but hunting for blood. They are a horrible predator in the financial world and I got stuck with them with no choice and no way out now they are ruining my credit so Ill never get back on my feet sending me loan notices that I owe XXXX immediately. Even 2 car notes is not that much but they didnt give a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
XX/XX/2022 dated on my dispute I will place into file section I request for a signed or some sort of documented proof from a court ruling etc for the alleged debt owed to collections agency. I have not received this verification proof but continue to receive letters demanding I pay on accounts that does not belong to me. I feel as though I am being ran over and bombarded at this point, being taken advantage of. After 30 days of failure to do some sort of an investigation according to FCRA is grounds for an immediate deletion within itself coupled with the numerous other violations placed in my original dispute that will be listed below. Please help. My next step is to file for some sort of litigation due to the stress and time I have placed into this circumstance without receiving some sort of mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
I have informed XXXX, equifax and XXXX  of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NY

Complaint narrative:
I have informed XXXX XXXX and experian of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent XXXX  sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.

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 2022-03-24 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
to whom it may concern, I Have disputed the below accounts due to identity theft. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I Summited to both Experian and the creditors the identity theft report with affidavit and Experian did not investigate into this issue the above items keep reporting inaccurately on my credit report, XXXX and XXXX have deleted the information based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your EXPERIAN you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the Deletion of these accounts from my credit report as its affecting my credit worthiness. 

regards

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-24 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-24 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: SLM CORPORATION
State: AZ

Complaint narrative:
YOU BROKE THE LAW!!!! 



I am reaching out to you for a second time, about my consumer rights that have been violated. I recently looked at my consumer report and i seen that you guys reported things to the reporting agencies, in puruant to 15 usc 1681 ( 1 ) the banking system is depoended upon fair and accurate credit reporting. Accuracy in XXXX law dictionary means the meausre of value, and that would only be referring to the consumer which is me defined in chapter 41, on top of that in pursuant to 15 usc 1681a ( 2 ) ( B ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 



Truth in lending defines a credit card as any card, plate, or coupon book used to obtain money or services, this is a violation against the FCRA you guys also never had permission to furnish my information with consumer reporting agencies in pursuant to 15 USC 1681B you must have my written consent or court jursidiction in which neither were recieved. You guys have already been credited hence why every month you send a positive balance, i granted you guys the right to extend credit. The loan arised from my credit as you guys accessed my trust and the loan arised, I am not a borrower only a lender the most high himself states it in scripture. You guys have broken federal law and i am demandiung deltion and a response within 20 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
Opened a Tradestation crypto and required brokerage account ( must have the brokerage to fund the crypto account ) and participated in a signup bonus which would be {$500.00} for depositing {$10000.00} into your brokerage/crypto account after placing one crypto transaction. 

Satisfied the requirements and Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate brokerage account for trading stocks. 

Escalated, provided a screenshot of their own terms and conditions with no success. I made sure to get a case ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
i was a victim of identity theft, and filed a dispute to Chex- systems to get information form one account ( XXXX XXXX XXXX XXXX deleted due to account being opened by fraud, they have failed to delete it and this information id affecting my availability to get financial resources that i need

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