vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX, and upon reviewing my credit report from Experian, XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/24 XXXX Federal Dated XX/XX/24 XXXX XXXX XXXX dated XXXX, XXXXXXXX XXXX  XXXX dated XXXXXXXX XXXX XXXXXXXX XXXX dated XXXX I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 

I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Formal Complaint Regarding Treatment of a Senior Protected Group MemberTo Whom It May Concern, I am writing this formal complaint regarding the treatment of my aunt, a XXXX XXXX XXXX who is currently facing severe challenges with her banking situation. My aunt, who has control over her finances and banking, has been a victim of theft from her bank account by criminal entities and companies exploiting her through unauthorized auto drafts.Upon discovering the fraudulent activities, I took immediate action and became my aunt 's Power of Attorney ( POA ) to assist her in managing her affairs and protect her assets. Her bank account has been frozen, which has resulted in significant disruptions to her life, including shut-off notices and delays in payments for essential services. This is deeply concerning, as her husband, my uncle, may be at risk of being XXXX from his XXXX facility due to delayed payments.Despite my efforts to resolve these issues swiftly by visiting multiple PNC branches, the process has been frustratingly slow and convoluted. PNC 's requirements have necessitated multiple changes to the POA documentation, further delaying resolution. This has left my aunt in a precarious financial situation, with potential late fees and negative impacts on her credit.Seniors are a protected class of individuals, and your bank 's actionsor lack thereofare unacceptable and discriminatory. Attempting to verify my aunt 's identity through methods she can not use, such as texting a code to her phone, and sending it to the wrong number, further exacerbates the situation.I strongly urge PNC to establish a dedicated department to ensure fair treatment of senior clients, who often face unique challenges in managing their finances. My aunt 's current line of credit with your institution carries an unreasonably high interest rate of 26 %, with only interest being paid, further exacerbating her financial stress.I am actively exploring alternative banking options for my aunt, as I can not allow her to remain in a situation where she is not valued or protected. XXXX XXXX  is one such institution I would recommend.Finally, I will be filing a complaint with government agencies to bring attention to PNC 's handling of my aunt 's finances, including her pension and SSI. I demand immediate action to rectify these issues and ensure my aunt receives fair treatment and prompt resolution of her banking matters.I look forward to your prompt response and corrective action. Failure to address these issues will leave me no choice but to pursue legal avenues and escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax for multiple violations of my consumer rights. On XX/XX/2024, I sent a letter addressing unauthorized activity on my credit report, which I neither recognized nor authorized. Despite more than 30 days passing, Equifax failed to respond to my letter. Subsequently, I filed a complaint with the CFPB, and their response indicated they were still working on the dispute. 
On XX/XX/2024, I sent a second letter to Equifax, reiterating my request for the removal of fraudulent inquiries from my consumer credit report. Finally, on XX/XX/2024, I received a response from Equifax regarding my dispute, which I found extremely frustrating and unsatisfactory. 
Equifax 's response was evasive and unhelpful. They claimed they were unable to locate a credit file in their database with the identification documents I provided. This response is not only upsetting but also a blatant violation of my consumer rights. As a consumer, I have the right to address such matters promptly and have them resolved. Instead, I am faced with deceptive and illegal practices that violate my rights. 
I provided Equifax with all necessary identification documents, including a copy of my driver 's license and my most recent utility bill, to verify my identity. Despite this, Equifax 's response was dismissive and insulting. I have attached their response, along with all three letters I sent to Equifax, my FTC report, and any other relevant documentation. 
I have filed three complaints with the CFPB regarding this matter, attaching all correspondence with Equifax each time. I am now seeking your assistance in holding Equifax accountable for their misguided practices. Equifax has no legal grounds to report fraudulent, false, or misleading information to my consumer report without my written consent. 
I demand that Equifax immediately delete all the information mentioned in my letters from my consumer report. I have attached all three letters I sent to Equifax, my FTC report, the identification documents that were sent to Equifax, and any other useful information to assist with this matter. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My financial manager moved to a new brokerage and has taken me with him. In the process of connecting accounts, I received an email from XXXX advising the Early Warning System ( I've learned co owned by the big banks ) has denied access to my account due to a fraud flag. They provided a number to call for more information. I called the number and the IVR message states " Thank you for calling we are currently closed. Our office hours are XXXX XXXX XXXX XXXXXXXX. I have called three times between XXXX and XXXXXXXX XXXX XXXXXXXX and get the same closed message. 

My financial manager is unable to protect my interests fully without these linked accounts, and yet I can't seem to link them because the XXXX isn't functioning yet Early Warning System doesn't bother to staff their customer support channels during their committed operating hours. 

Thank you in advance for taking action and holding them accountable to being there when they commit to. These failures create too much hardship on those trying to make livings! The time and energy it takes to chase down support for failures is untenable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MA

Complaint narrative:
I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include late payment accounts with XXXX XXXX XXXX  and XXXX collections with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, and charge-off accounts with XXXX  XXXX and XXXX XXXX. I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
I find it extremely frustrating having to deal with Transunion Customer service, they continue to ignore my requests, they always come back saying things are verified when in fact they are NOT. I have unauthorized inquiries on my transunion credit report I did not make and this has caused my score and data points to go down. I have been extremely XXXX  and anxious over this because it hinders my person and knowing negative items WHICH are NOT mine, are being reported is unacceptable. I have reached out to Transunion multiple times and they do not seem to care. I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and never calling back.

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 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Years XXXX ; Amount {$570.00}. 
I have been on a payment arrangement with Credit Acceptance and my car was still repossessed. After getting it back I was asked to pay higher amount to get caught up. They was aware of my hardship due to covid. Since then I have been XXXX  and given XXXX XXXX. I also acknowledge that with them. I was not able to complete my arrangement plan bc I paid a payment early and was told I must pay {$50.00} to not be repossessed. Due to me being in the hospital and forgot about the {$50.00} I was not contacted till days later that my car was up for repossession. I was then told must pay a full car not in order for them to take the hold off. As I paid, 2 days later, I was then told I must pay another {$50.00} to keep from being repossessed. I got on another arrangement and had to get that corrected bc I put on a plan that would continue put me in a hole. I agreed to {$280.00} XXXX XXXX. They are reporting to credit bureau for late payments while I'm on a payment arrangement which is steady causing me to be in hardship.

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 2024-04-30 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: TX

Complaint narrative:
On XX/XX/year>, they did a hard inquiry. XXXX XXXX XXXX  did a hard inquiry. I told some fraud happened and i didnt request any application for hard inquiry. There response you take care of yourself. Luckily they canceled the application and didnt sent the credit card as I have called them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2024-04-30 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: MA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-30 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NM

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-30 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-04-30 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-04-30 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: Experian Information Solutions Inc.
State: TX

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 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 2024-04-30 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: FL

Complaint narrative:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hi- I have asked Transworld Systems Inc three times to stop calling me, as they are calling me at all hours of the day ( this morning at XXXX ). I have called them and asked them to remove me from their call list, they said OK, but continue to call. Today, after getting a call at XXXX, i called and asked to speak to someone on why they are calling me. They asked if i know someone, who i did not, and said they were trying to reach that person. 
After researching this company, it appears they are debt collection firm. They should know how to do skip trace searches and indicate appropriate numbers to reach out to, for debt collection purposes. Additionally, they should know if a person asks to stop being contacted, they should seize communications. Furthermore, they are not allowed to call prior to XXXX. All of these are FDCPA violations and should be reviewed further for CFPB investigation. I am filing this complaint in hopes the CFPB can investigate this companies debt collection practices, as they are clearly violating FCDPA requirements.

Company response to consumer: Closed with explanation