vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: TN

Complaint narrative:
Inquiry or late payment too many inaccurate information on my File and asking them to investigate or remove Them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
XXXX XXXX sent this company a letter in 2019 asking to verify that this account belongs to her by providing documentation and a signature of XXXX XXXX, RENT RECOVERY SOLUTIONS sent XXXX XXXX a EMAIL with only the amount of the debt and NO DOCUMENTATION NOR SIGNATURE. There exists no signed agreement, contract, or official documentation linking XXXX XXXX to the account maintained by " RENT RECOVERY SOLUTIONS. '' This absence of concrete evidence raises serious concerns about the validity and legality of this entry on my credit report.

The inclusion of this account on my credit report without substantial proof or verification violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

The listing of this account has had devastating consequences on my life, which lead to my homelessness and repeated denials of emergency Section 8 housing assistance. I demand an immediate and thorough investigation into this matter.

I request that : - The account " RENT RECOVERY SOLUTIONS '' be promptly removed from my credit report.

I am urgently prepared to pursue all available legal remedies and escalate this matter further if necessary to ensure that justice is served for the damages I have been put through for the past 5 years.

I expect a swift and satisfactory resolution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial LLC
State: CO

Complaint narrative:
I keep receiving calls from a company named XXXX XXXX XXXX on behalf of Assured Financial about a debt with XXXX XXXX  I have never taken a loan from this company or have any recollection of this company. The Rep 's name is XXXX XXXX, who said I was being sued and would need to go to court pending a letter of litigation. She asked me to verify my address, but I said to send the letter. She proceeded to say that this has been escalated and I can fight it in court. 

I do not have a loan and was not given any information outside of an amount and that I will have to go to court.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-31 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 accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 seven 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
On XX/XX/year> I received a text message from ( XXXX ) XXXX saying that I qualified for assistance paying my bills. A check was sent out via USPS. Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/year> a check arrived for {$2900.00}. I deposited the check into my BancFirst account. The check cleared and was paid out. I was offered a job assisting a real estate agent in listing homes on various websites/marketplaces. Because I did not have an up to date laptop, the company offered to help me purchase one of my choice. On XX/XX/year> a check was sent out via USPS. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I deposited the check in my BancFirst account. The check cleared and was paid out. XXXX not entirely sure what happened at this point but my bank called and said that the checks that were cleared and paid out came back unauthorized. She suggested I get in touch with both places and ask for a check to be reissued. Texting both places back and requesting what my bank suggested and each place agreeing to do so, a check was mailed out via USPS. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. The check was for {$3900.00}. I deposited it into my BancFirst Checking account. The bank held the check. Then they placed my account on hold and said that it wouldnt be unlocked until the check cleared. They said it didnt and when I asked for the information they used to come to this determination, they refused to provide it. My account is still locked. I have XXXX access to my account or to my money. The bank said that they would end up charging my account off and report it to the credit bureau if I didnt make a payment to cover the overdrawn amount of {$2300.00}. XXXX XXXX was supposed to call me 8 days before this action to offer what they call a XXXX XXXX XXXX to cover the amount of my overdrawn account. But that I had to pay the loan back in XXXX equal payments and if I failed to do so, they would charge my account off anyway and report it to the credit bureau. It is XX/XX/year> and I have yet to hear from the bank. I do not feel like its right to treat the situation as fraud on my part as I didnt write the checks or have anything to do with the process. I also contacted the FDIC since my bank is backed by them and they referred me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt load or balances can have on your life if they're left unchecked! Debt load or balances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting 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 2024-10-31 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: FL

Complaint narrative:
I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach that exposed my personal information, making it vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries. 
Accounts : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - XXXX XXXX : XXXX - Date Filed : XX/XX/XXXX - Amount : {$0.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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:
Equifax is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of XXXX  which is false I have attach a letter from the US Bankruptcy Court of XXXX  verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. Equifax is falsely stating this information on my credit report and has yet to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I was charged {$190.00} and {$110.00} by CLEAR for their services, totaling {$310.00} on my PNC XXXX XXXX XXXX ending in XXXX. Shortly after, on XX/XX/year>, PNC Bank applied a provisional credit of {$260.00} to my account, deducting {$50.00} as part of a non-refundable XXXX promotion CLEAR offered. I understood this deduction and accepted the refund amount of {$260.00}, as indicated by CLEAR. 

However, on XX/XX/year>, I received a letter from PNC Bank ( attached ) indicating that the {$260.00} provisional credit would be reversed on XX/XX/year>, as they had determined no error occurred. In line with this letter, PNC withdrew {$140.00} and {$110.00} from my account on XX/XX/year>, effectively reversing the provisional credit they initially applied. These transactions are reflected on my attached bank statement : XX/XX/year> : Provisional Credit Reversal of {$140.00} XX/XX/year> : Provisional Credit Reversal of {$110.00} Since then, I have been in repeated communication with CLEAR, explaining that while they claim to have refunded the amount, PNC Bank confirms they no longer hold these funds. CLEAR provided two Acquirer Reference Numbers ( ARNs ) for the refunded amounts ( XXXX for {$140.00} and XXXX for {$110.00} ), which I subsequently shared with PNC Bank. Despite providing these ARNs, PNC Bank insists that they have returned the funds to CLEAR and no longer possess them, leaving me in a financial limbo where neither party is willing to release the funds back to my account.

This has resulted in a frustrating cycle of back-and-forth communication with no resolution, as CLEAR directs me to PNC Bank, while PNC Bank directs me back to CLEAR. Each institution claims the other holds the funds, leaving me without the refund I am rightfully owed. I have attached both my bank statement and PNCs letter dated XX/XX/year>, to substantiate my claim and provide full transparency on the transactions. 

Resolution Sought : I am requesting assistance in holding either PNC Bank or CLEAR accountable to resolve this issue. I need a definitive confirmation of where the {$260.00} currently resides and to have the funds returned to my account, as both entities have failed to provide a satisfactory resolution despite the documented evidence I have shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a Vanilla Visa gift card on XX/XX/XXXX from my local XXXX XXXX with a {$6.00} activation fee. I loaded it with {$500.00}. I used the card on XXXX on XX/XX/XXXX for {$50.00}, XX/XX/XXXX for {$150.00}, and XX/XX/XXXX for {$14.00}. Then I used it again for The XXXX XXXX on XX/XX/XXXX and made a XXXX purchase on XX/XX/XXXX for {$44.00} which totals {$280.00}. When I checked my balance on XX/XX/XXXX it said I had {$0.00} balance and that my card was on hold and that I should call customer service. It should have a balance of {$210.00}. I immediately called the customer service number ( XXXX ) on the back of my Vanilla card and reported that the last three charges that they processed to XXXX XXXX on XX/XX/XXXX for {$25.00}, {$24.00} and {$160.00} were all fraudulent charges, they totaled {$210.00}. 

They assigned me a case number XXXX and emailed me a dispute case claim form with my case number and for my signature on XX/XX/XXXX. Upon opening the file, my name was not accurate. It clearly states the form must be received in order to process the dispute. It also states that if any of the information listed on the claim form is inaccurate, Im to send an email to XXXX with my case number in the subject line and to include the details that are inaccurate in the body of the email. I emailed that information on XX/XX/XXXX to XXXX. 

On XX/XX/XXXX I received the same claim form asking me to sign again, I did not because my name was still inaccurate on the claim form. I did not sign or summit it. 

On XX/XX/XXXX I sent a follow up email to them asking if my email, addressing the incorrect information was received. I also explained why I couldnt sign the form. I asked for them to reply. They did not. 

I called the number on my card ( XXXX ) again on XX/XX/XXXX and the customer service did not help me. They couldnt give me any information regarding my claim. 

On XX/XX/XXXX I received the same claim form again, still inaccurate. I called on XX/XX/XXXX and was unable to be connected to any customer service representative. 

At this time, I have no options to move forward and Im still unable to sign the claim form because its not accurate but states that it has to be signed and submitted to process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: PA

Complaint narrative:
THIS COMPANY IS REPORTING ON ME WHO ARE YOU I DONT KNOW THESE PEOPLE I DIDNT GIVE THEM PERMISSION TO REPORT IN MY NAME THEY ARE GIVING PEOPLE PERMISSION TO REPORT FALSELY ON ME. PLEASE GIVE ME SOMETHING SOLID IM BEING DENIED JUST NOT RIGHT BY LAW PLEASE INVESTIGATE... PLEASE REMOVE NEGATIVE REPORTING AND UPDATE.. I FILED A COMPLAINT REPORT TO 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 explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I would like to draw your attention to XX/XX/year> - XXXX sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically, and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Everything I apply for no matter what it is. I have applied for personal loans, credit cards, cellphones and etc. When I apply I am denied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 seven 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.

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