vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed that a deposit of {$650.00} was sent to my closed PNC account by XXXXXXXX XXXX  XXXX informed me that the funds were automatically returned to PNC as an unsuccessful transfer. I reached out to PNC 's customer service via their messaging service on XX/XX/XXXX and requested confirmation of whether PNC received the returned funds and how I could claim them. 

I explicitly requested the ACH Trace Number or Proof of Return Credit under Federal Regulation E, as PNC is legally required to provide this information, even for closed accounts. However, the representative informed me that they could not provide the requested information through the messaging service and referred me to visit a branch. This response does not comply with Federal Regulation E, which mandates that the trace number or proof of return be provided within XXXX business days for any returned ACH transaction, including for closed accounts. 

Despite multiple follow-ups, PNC did not provide the required information. Instead, they insisted that I visit a branch to get the information, which I believe is an insufficient response as I am entitled to this information under federal law. 

I am filing this complaint because PNC failed to provide the ACH Trace Number or Proof of Return Credit for a returned ACH transaction, as required by Federal Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am disputing outdated and inaccurate information on my credit report that has not been removed despite my previous requests. The information in question pertains to [ describe the account, such as a collection, late payment, or closed account ]. 

On [ XX/XX/year> ], I contacted [ credit bureau or creditor ] to dispute this information, as it is no longer valid and should have been removed under the Fair Credit Reporting Act ( FCRA ). I provided supporting documentation, including [ mention any documents sent, such as payment records, letters, or dispute forms ]. However, despite my efforts, the inaccurate information remains on my report. 
Since this information is incorrect and negatively affecting my credit, I request that it be removed immediately. I ask that you review my case again and provide a written explanation of your findings. If the information can not be verified, it must be deleted under FCRA guidelines. 

Please confirm receipt of this dispute and provide an update on the resolution process. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Because of the previous XXXX incident. Forced me get a business account at U.S. Bank. The purpose of my business account is to be able to receive and send money abroad. Everyone is having trouble with sending money to my account. XXXX XXXX XXXX XXXX XXXX, my employer is on the top of the list. I make one mobile deposit. At the date of this complaint transmission. I first get error message stating that their was some trouble on their end try again at a later e. Around 20 minute pass by and I repeat the process. Bank app expressed that their will be a hold on the check till Tues. So I went to the branch located in XXXX. And she puts me on speaker phone with the online department. Both the branch XXXX and the customer service representative, did not see any action in my account concerning a mobile deposit. No trace. Remind you that around XXXX to an hour time has passed since the first time I seen that og mobile deposit error. I tried to log in to the bank app, to try to show my authenticity. Only to discover that I'm blocked out of my account. All this account closing business only took whoever monitors the traffic. Two ours to make that decision. Computing all this information, gave me a gut feeling that something is off. In hindsight the XXXX XXXX situation has similar traits. All stemming behind Mobile deposits. Someone who the bank pays to monitor the traffic could possibly be deliberately causing me difficulties. XXXX XXXX smart people know this kinda of behavior, Is described in XXXX XXXX XXXX XXXXXXXX explains the nature of public entities who abuse their Authority or social status and influence. To harm another Citizen. My customer was stressed out as well, because I sold her my XXXX  with All rights, sold licensing meaning until I receive the money she can't move forward with whatever her plans she has in her art project. Once again these checks have account and routing numbers and those numbers is all that machine reads. Done in banks to shopping mall. As long as it is linked. To a point of sale system. Those numbers communicate if the money and name of owner match with the records stored in the bank. It takes literally seconds for that machine to validate a check. But the bank is treating new account holders as a potential fraudulent member? Slowing me down claiming they can't help me expedite the authentication process so I can access the funds I need to live my life. Which is literally business. Because it keeps me busy.

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 2025-03-01 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: CA

Complaint narrative:
I would like to report Experian, Equifax, TransUnion and any other agency where my credit report is reported to in accordance to US code.15usc1681. This is due to a data breach where my information was stolen. I would like any negative marks taken off my credit reports across all agencies due to this data breach as my right as a consumer and citizen of the United States. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I would like to report Experian, Equifax, TransUnion and any other agency where my credit report is reported to in accordance to US code.15usc1681. This is due to a data breach where my information was stolen. I would like any negative marks taken off my credit reports across all agencies due to this data breach as my right as a consumer and citizen of the United States. Thank you.

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 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: TX

Complaint narrative:
My loan was transferred to Valon in XXXX XXXX XXXX. I had no escrow for years with the previous lender. Suddenly an escrow was placed on me on XX/XX/XXXX. I sent Valon proof I had insurance in XXXX, XXXXXXXX XXXX XXXX and there was some type of error on their ledger from the previous lender as the previous lender never charged me for lender place insurance or forced an escrow on my account. Valon forced an escrow on my account and changed my payments. They were supposed to refund me and fix my payments and have no stoped answering my emails and do not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I am beyond frustrated because I dont know why it's there. I routinely check my report, and everything was fine until now. I refreshed my browser, hoping it was a system glitch, but nothing changed. This is unacceptable, and I demand an immediate resolution. Please go over my submitted documents carefully so I can finally put this behind me.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with 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 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 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 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 2025-03-01 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: GA

Complaint narrative:
Several times Ive had 3rd parties contacting me about different credit payments that I have no clue of where they come from and the actual prices was incorrect the billing information also was incorrect and by law its my right and privacy to not have any of my personal or non personal information be advertise or sent to 3rd party agencies without a written permission or criminal subspecies activity and I would lie to file a lawsuit on my behalf to it my right of peas well

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 2025-03-01 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
i looked at my credit report today XX/XX/28 and i noticed a collection from national credit system for the amount of XXXX i called the collection agency, and told them i never had business or interactions with them. 

nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$2200.00} XXXX XXXX XXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$2000.00} XXXX XXXX XXXX XXXX : BALANCE : {$4100.00} XXXX XXXX XXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$400.00} XXXX XXXX XXXX XXXX : BALANCE : {$4600.00} XXXX XXXX XXXX XXXX : BALANCE : {$3700.00} XXXX XXXX XXXX XXXX : BALANCE : {$2100.00} XXXX XXXX XXXX XXXX : BALANCE : {$2900.00} these are tagged as late payments and these are all inaccurate remasks

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am disputing outdated and inaccurate information on my credit report that has not been removed despite my previous requests. The information in question pertains to [ describe the account, such as a collection, late payment, or closed account ]. 

On [ XX/XX/year> ], I contacted [ credit bureau or creditor ] to dispute this information, as it is no longer valid and should have been removed under the Fair Credit Reporting Act ( FCRA ). I provided supporting documentation, including [ mention any documents sent, such as payment records, letters, or dispute forms ]. However, despite my efforts, the inaccurate information remains on my report. 
Since this information is incorrect and negatively affecting my credit, I request that it be removed immediately. I ask that you review my case again and provide a written explanation of your findings. If the information can not be verified, it must be deleted under FCRA guidelines. 

Please confirm receipt of this dispute and provide an update on the resolution process. I appreciate 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am disputing outdated and inaccurate information on my credit report that has not been removed despite my previous requests. The information in question pertains to [ describe the account, such as a collection, late payment, or closed account ]. 

On [ XX/XX/year> ], I contacted [ credit bureau or creditor ] to dispute this information, as it is no longer valid and should have been removed under the Fair Credit Reporting Act ( FCRA ). I provided supporting documentation, including [ mention any documents sent, such as payment records, letters, or dispute forms ]. However, despite my efforts, the inaccurate information remains on my report. 
Since this information is incorrect and negatively affecting my credit, I request that it be removed immediately. I ask that you review my case again and provide a written explanation of your findings. If the information can not be verified, it must be deleted under FCRA guidelines. 

Please confirm receipt of this dispute and provide an update on the resolution process. I appreciate 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 explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my XXXX credit scores. Documentation from XXXX and Equifax confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX : Opened : XX/XX/XXXX : {$22000.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$1600.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$550.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$620.00} XXXX XXXX : Opened : XX/XX/XXXX : {$560.00} XXXX XXXX : Opened : XX/XX/XXXX : {$680.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$380.00} Unauthorized Inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In my XXXX credit report I have credit inquiries that I did not authorize, I already made the police report and I contacted the trade and XXXX and they have not done anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I am formally disputing and demanding the immediate deletion of the following accounts and unauthorized hard inquiries from my credit report due to your willful and negligent violations of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the criminal penalties outlined in 15 U.S.C. 1611 ( 1 ).

You ( transunion ) have failed to properly investigate the disputed items, removed and added accounts arbitrarily, failed to disclose the findings of an actual investigation, and provided my personal financial information to third parties without my written consent. As such, you have knowingly and willfully violated my consumer rights, entitling me to statutory damages.

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 2025-03-01 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:
My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX : Opened : XX/XX/XXXX : {$22000.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$1600.00} XXXX XXXX  XXXX : Opened : XX/XX/XXXX : {$550.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$620.00} XXXX XXXX : Opened : XX/XX/XXXX : {$560.00} XXXX XXXX  : Opened : XX/XX/XXXX : {$680.00} XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$380.00} Unauthorized Inquiries : XXXX XXXX XXXX ( XX/XX/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

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