vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
To : NetSpend Debit card, I submitted for a student Loan back XXXX of XXXX and I was approved for Loan. The same year XXXX of XXXX I was admitted into the hospital till XXXX of XXXX. During that time NetSpend customer service said my account is being closed, Not knowing my student XXXX would arrive to the same account XXXX XXXX XXXX XXXX, I cancelled my Direct Deposit due to my account was closed, and when my student loan came to the same account you'll ( customer service ), began telling me the account is restricted. I said for what, they see you need to prove verification. I submitted a valid Driver 's License, My Student I.d with my picture, XXXX NetSpend debit card with my name, my Insurance card, One piece of mail with my old address XXXX XXXX XXXX XXXX, MI. XXXX I no longer live there since being evicted in XXXX because I was admitted into the hospital and come XXXX you will not give me my funds even after passing your security Questions and submitted, my verification with also XXXX Bank XXXX with my Driver 's License, student ID, NetSpend debit card XXXX pieces of mail. Please, correct this matter and I suffered Great collateral damage medically, financially and mentally. Please correct 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 2024-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number XXXX has violated my rights.

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 also states a consumer reporting agency can not furnish a account without my written instructions. 

Reporting multiple amounts as 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 non-monetary relief
Consumer complaint received 2024-05-15 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number XXXX has violated my rights.

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 also states a consumer reporting agency can not furnish a account without my written instructions. 

Reporting multiple amounts as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
On XX/XX/year> a call was made to my cellphone that was from XXXX, AL, ( XXXX ) XXXX, and from a name I didnt recognize. The name was written CAWLEYBERGMANN in all upper case. I, like most people are bombarded with Robocalls, so if its some business or person with which Im not familiar, I let it ring. The caller is then given the opportunity to leave a message, or simply hangs-up. No message was left, and I ignored it. On XX/XX/year> a second call identified as being from CAWLEYBERGMANN, this time from XXXX XXXX, MO, ( XXXX ) XXXX, was made to my cellphone. Again, no message was left. On XX/XX/year>, a third call from CAWLEYBERGMANN was made to my cellphone, this time from XXXX, CA, ( XXXX ) XXXX. Again, no message was left. I decided to see who CAWLEYBERGMANN was. I was surprised to find out that Cawley and Bergmann is the name of a debt collection company, headquartered in XXXX, New Jersey. From what I read online, its a company that isnt always the most ethical in its business practices. 
Last XXXX, I was notified by the company that holds my mortgage that a security breach had occurred and that my name, address, email and social security number had been accessed. So, it naturally occurred to me that I might be the victim of Identity Theft. My mortgage company offered free credit monitoring for a year, and a service called My True Identity that reports any unusual or suspect activity in my name. 
I always pay my bills fully and in a timely way. I never make late payments. I have never been contacted by a person or business, either by phone, email or mail, saying that any payment was past due. I went to the CAWLEYBERGMANN website and emailed them explaining my concern. I never heard back from them. A couple days after emailing them, I decided to call them. Per their website instructions I called XXXX of their numbers that would supposedly connect me to someone who could help me clarify exactly why they were calling me. Each time I called, after about XXXX or XXXX minutes of being told that someone would be with me shortly, a recorded message was played that instructed me to leave a short, detailed message regarding why I was calling. I have never heard back from anyone ; either through regular mail, email or by phone. 
Yesterday, XX/XX/year>, I received the fourth call on my cellphone from CAWLEYBERGMANN, this time from Oklahoma XXXX, OK, ( XXXX ) XXXX. Again, no message was left. 
I dont know what to make of it. I always pay my bills in full and on time. Ive never been notified by any person or business that I have any delinquent debt, and though its possible that Im a victim of Identity Theft, I have no real indication that thats the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number XXXX has violated my rights.

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 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the companies involved. I feel my rights as a consumer are being violated. I am the victim here and can not get the proper help or response from the credit reporting agencies. If no action is taken soon, I will pursue legal action.

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 2024-05-15 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: IL

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the companies involved. I feel my rights as a consumer are being violated. I am the victim here and can not get the proper help or response from the credit reporting agencies. If no action is taken soon, I will pursue legal action.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is knowingly reporting this inaccurate account after notifying them previously in XXXX of last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.

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 2024-05-15 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 am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.

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 2024-05-15 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: SC

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that Experian will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-15 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: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX 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 2024-05-15 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognized inquiry from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc bank has denied XXXX of my disputes I submitted in relation to an Unauthorized charge for XXXX $ I have reported this dispute 3 times it has been denied the reason for denial is because I did XXXX XXXX XXXX transactions which physical card is not needed for 3rd party transactions. They havent even tried to conductive any research just denies the Unauthorized transaction within a day of me submitting it no temporary credits anything I have been banking with them for over a year I feel like an outsider the way I have been treated by this bank no one will help me with this. Bank is supposed to help you when a victim of fraud this bank has done the opposite which caused damages to my small business looking to hiring an attorney general to help me regain access to my stolen funds unauthorized from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : 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 Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a late payment reported on my credit account with Possible Finance, in accordance with 15 U.S. Code 1666b. 

Account Information : Account Holder : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX and XXXX Creditor : Possible Finance I recently discovered that a late payment has been reported on my credit report, stating that I am 60 days late. I believe this reporting is inaccurate and unfair due to significant technical issues with XXXX XXXXXXXX XXXX app, which directly affected my ability to make timely payments. Specifically : App Glitches : XXXX XXXX XXXX  app has been extremely glitchy, making it impossible to schedule payments properly. Despite multiple attempts, the app failed to process my payment scheduling. 

Support Delays : When I reached out to XXXX XXXX XXXX  customer support for assistance, the response was significantly delayed. By the time support adjusted the payment schedule, it did not reflect correctly on the app, and the payment did not process as intended. 

These issues were beyond my control, and I made every effort to ensure my payments were made on time. The technical failures and support delays directly resulted in the reported late payment, which I believe should not impact my creditworthiness. 

I kindly request that you investigate this matter and delete the late payment from my credit report with all three credit reporting agencies : XXXX, TransUnion, and XXXX. Attached to this letter are copies of relevant documentation, including communication with XXXX XXXX 's support team and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Olmsted Falls, OH 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a late payment reported on my credit account with Possible Finance, in accordance with 15 U.S. Code 1666b. 

Account Information : Account Holder : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX and XXXX Creditor : XXXX XXXX I recently discovered that a late payment has been reported on my credit report, stating that I am 60 days late. I believe this reporting is inaccurate and unfair due to significant technical issues with XXXX XXXX 's app, which directly affected my ability to make timely payments. Specifically : App Glitches : XXXX XXXX XXXX app has been extremely glitchy, making it impossible to schedule payments properly. Despite multiple attempts, the app failed to process my payment scheduling. 

Support Delays : When I reached out to XXXX XXXX XXXX customer support for assistance, the response was significantly delayed. By the time support adjusted the payment schedule, it did not reflect correctly on the app, and the payment did not process as intended. 

These issues were beyond my control, and I made every effort to ensure my payments were made on time. The technical failures and support delays directly resulted in the reported late payment, which I believe should not impact my creditworthiness. 

I kindly request that you investigate this matter and delete the late payment from my credit report with all three credit reporting agencies : XXXX, XXXX, and Equifax. Attached to this letter are copies of relevant documentation, including communication with XXXX XXXX 's support team and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX

Company response to consumer: Closed with explanation