vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2022 I submitted two different disputes with PNC. I originally went online to check and see the date that a transaction posted for an order which I never received- however- when checking my account transactions I noticed a transaction I didnt make at all. So I called to dispute both transactions- one for an order I made and didnt receive and one for a transaction I did not make. I was told that I would receive a credit for each of the transactions within 10 days. I received a credit for one of the transactions ( the one I did not make ) a few days later- but after 2 weeks I still did not have a credit for the one which I did not receive the merchandise- so I called PNC. That rep told me that it was 10 business days that I had to wait and since it was the 10th business day I should have a credit by the end of business that day. The next day I still didnt have a credit so I called again. This time I was told that it wasnt 10 days I had to wait but possibly 30 days. This rep said he usually works in a branch and sees these kinds of disputes all the time and has never seen one take more than 3 weeks. So I waited until the 3 week mark and messaged customer service through the app and was told that it can actually take up to 90 days. The reps continually tell me that I can contact the merchant which I obviously did prior to contacting PNC. They were not helpful when I contacted them. The rep also said it is a non fraud dispute so they take a long time. But I do not understand how it is not fraud? I someone says give me money and I will send you a product but then they dont send it- that surely feels like fraud. I really need access to these funds and I wouldnt have asked PNC for help if the merchant was willing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to lodge a complaint with respect to XXXX XXXX XXXX. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says that XXXX XXXX is a furnisher of information to a consumer reporting agency. 
It is against the law for the XXXX XXXX to provide inaccurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication. 
XXXX XXXX Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this XXXX form.

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 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to lodge a complaint with respect to XXXX XXXX Bank. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says that XXXX XXXX is a furnisher of information to a consumer reporting agency. 
It is against the law for the XXXX XXXX to provide inaccurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the XXXX  2021 publication. 
XXXX XXXX Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this XXXX form.

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 2022-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I applied for a private loan at the age of XXXX in hopes of being able to afford university. The loan was originally disbursed through XXXX XXXX, who later changed their name to Navient XXXX. Originally this was a XXXX XXXX Smart Option Student Loan and was disbursed XX/XX/XXXX for a total of {$20000.00}. When Navient took over, the interest rate became a variable interest and has fluctuated as high as 11.625 %. My first payment with Navient occurred XX/XX/XXXX. Over the last 11, going on 12 years, Ive paid more than the original balance of the loan. 

When communicating with Navient, they have made it very difficult for me to obtain information. For example, when I inquired about removing my co-signer I was provided with incorrect information which prolonged the process. I believe that this was done intentionally. Additionally, when I ask for details regarding my loan such as repayment dates and explanation of interest accumulation, I am met with hesitation. 

I feel as though I have been a victim of predatory lending and that Navient should be under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one closed my XXXX account after I paid off My secured account with them TOTALY VIOLATED ME HAS I HAVE A PERFECT PAYMENT HISTORY that also said because I closed a account there not going to be reporting to the credit bureaus on my balance I pay every month, they said I can re apply however there going to take another hard inquiry against my credit NOT FAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.

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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
My debit card was stolen on XX/XX/2022. The card was used and charged at numerous locations amounting to a total of {$2800.00}. I did not have access to my phone at the time so I did not see the charges or alerts concerning fraud from Navy Fed. Once I was able to access my account and saw the charges I immediately froze my card and reported the fraud. The person who stole my card attempted to use it again multiple times after it was frozen. Navy fed has denied my claim stating there were legitimate purchases within the time frame that the card was stolen. They also stated that the chip function of the card was used so this does not constitute fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FactorTrust, Inc.
State: TN

Complaint narrative:
the company Factor trust has a non working number and will not respond to any disputes abount infomation i disputed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: FL

Complaint narrative:
I tried many, MANY times to contact XXXX in regards to my late father 's phone bill. While I was in the middle of burying my father, working full time, homeschooling my child, and trying to navigate that state of the nation amidst COVID, XXXX wanted me to go to one of their stores, not just a retail outlet, a corporate store, and provide the death certificate to terminate the service. I offered multiple times to provide it online via fax, scan, email, as i did with every other single creditor my father had accounts with. XXXX refused to work with me and instead kept billing my dead father. My father passed on XX/XX/2020. I will not pay for charges i attempted to settle considering i made MULTIPLE EFFORTS to close the account due to the death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Vance and Huffman LLC on XX/XX/2022 and I have no recollection of doing any business with Vance and Huffman LLC. I am in the process of contacting Vance and Huffman LLC but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. XXXX SHOCKED HOW IT HAPPENED.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. XXXX SHOCKED HOW IT HAPPENED.

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