vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I made a payment from my HSBC account to my XXXX XXXX credit card on XX/XX/XXXX  for {$600.00}. Generally, HSBC offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to HSBC, is settled immediately. 

On the XXXX XXXX side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, but HSBC says that they can not provide such document since this was not a wire but an RTP. I need an official document from the bank confirming that the transaction went through and they insist that they can not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, yet they are being reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After thoroughly checking my credit reports, I spotted some inaccurate Public record that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.

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 2024-01-05 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: MO

Complaint narrative:
Notification there still working on the issue as all the others THEY ARE DOIN NOTHING so as of today all complaints that are filed will be forwarded to THE DEPARTMENT OF JUSTICE fraud division

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 2024-01-05 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: CT

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have repeatedly notified you about inaccuracies in my credit report, which persist in violation of XXXX standards. Despite previous alerts, these errors remain, detrimentally impacting my credit profile. I insist on immediate corrective action to rectify these inaccuracies to prevent any further damage and to comply with the Fair Credit Reporting Act ( FCRA ). Failure to address this issue promptly may result in legal recourse, including arbitration. Your urgent attention to this matter is essential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NJ

Complaint narrative:
I sent a certified letter to AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX no response I am requesting a XXXX release form show i agreed to release any of my medical records, Please provide me with the below mentioned things : * The amount you claim Iowe you * Explain and show me how you have computed the amount *Send me the copies of any documents that prove Iagreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period *Prove that you're a licensed debt collector *Show me your license numbers and registered agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was told by a company representative that he did even show me applying for said card

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 2024-01-05 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-01-05 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX I was denied an account with PNC BANK for no apparent reason. The failure of the PNC BANK to allow us to open an account violates the 14 th Amendment s Equal Protection Clause. The BANK has always been XXXX and biased against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed XXXXXXXX XXXX  XXXX this account is closed XXXX XXXXl this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXXXXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My business credit card shows 2 separate credit cards on trust app that are both linked to one credit card. My app shows I'm paid up currently however on the secondary card it shows I'm late and still have a XXXX balance. The lady I spoke with has no idea what's going on nor has ever seen this before. I was told they would get back to me. However this is ultimately going to reflect on my credit report for an error with the banks systems/ app issues. I have kept up payments on all credit accounts. I have previously asked the bank about this XXXX balance account in the past but nothing came of it. Today is when I was made aware of the error XX/XX/

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 2024-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unlicensed Debt Collection by XXXX XXXX XXXX XXXX i wish to report XXXX XXXX XXXX XXXX 's unauthorized debt collection attempts within New Jersey. 

- On XX/XX/2023, XXXX XXXX XXXX XXXX attempted to collect a debt from me. 
- XXXX revealed that XXXX XXXX XXXX XXXX lacks the required licensing to collect debts in New Jersey. 
- Despite lacking proper authorization, XXXX XXXX XXXX XXXX continued their collection efforts. 
- I formally lodged a complaint with the Consumer Financial Protection Bureau, providing evidence of their unlicensed status and continued collection attempts. 

I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX XXXX 's unlicensed debt collection activities and enforce regulations to protect consumers from such unauthorized practices. 

i would like {$1000.00} per violation to the address on file

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 2024-01-05 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: NC

Complaint narrative:
Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results

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 2024-01-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results

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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am in the process of buying a house I notice that on my trans union accounts from XXXX XXXX XXXX opened XX/XX/2023 in the amount {$3700.00} this account is not mine. I ask this company to verify this debt providing me with a contract I have with them as they can not as I have no account with them. They are violating my right to privacy and flea laws for maintains accurate in formation. Please help me in 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently punctual, and yet they are reporting me as late.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NCP Holdings, L.P.
State: IN

Complaint narrative:
Re : CFPB claim XXXX XXXX re : XXXX Submitted complaint XX/XX/ Attempt to Resolve Compliant : negative outcome Request to be enjoined to CFPB Legal suit : CFPB Sues Installment XXXX XXXX for Illegally Churning Loans to Harvest Hundreds of Millions in Loan Costs and Fees A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXXXXXX , induced struggling customers into a fee-harvesting and loan-churning scheme XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE. 

In accordance with the Fair Credit Reporting dct. 
The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
LVNV FUNDING 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 : It also states a consumer reporting agency can not furnish an accordance with the written my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We are reporting unauthorized transactions in our company 's savings account with Bank of America, detected on XX/XX/XXXX. These transactions began on XX/XX/XXXX, and were identified as electronic transfers and purchases, not involving the physical loss of our savings card. 

Immediate action was taken by informing Bank of America, and an internal investigation has been initiated. Our priority is to understand the breach, ensure account security, and prevent future incidents. We are working closely with the bank to resolve this issue and safeguard our financial integrity.

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 monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Subject : Cease and Desist Communication - Account Number XXXX Dear I C SYSTEMS COLLECTIONS, I am writing to address the numerous violations of my rights and applicable laws that have arisen in connection with your pursuit of an alleged debt associated with account number XXXX. I categorically do not consent to any business dealings with your company, and I insist on the immediate cessation of all communication. 

The following violations have been identified : 1. **Illegal Obtaining of Personal Information : ** Your company has unlawfully acquired my non-public personal information and used it in an attempt to coerce payment for a debt I am not obligated to pay, constituting a violation of my privacy rights. 

2. **Deceptive Collection Practices : ** I contend that your debt collection efforts involve deceptive practices, as I am not under any legal obligation to settle the alleged debt. 

To address these issues and uphold my rights under Georgia state law and federal statutes, I insist on the following actions : 1. **Cease and Desist : ** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C . 1692c ( c ) ], I demand an immediate cessation of all communication from I C SYSTEMS COLLECTIONS, with the exception of written correspondence through mail. 

2. **Third-Party Communication Prohibition : ** In accordance with the FDCPA [ 15 U.S.C. 1692b ], your company is hereby prohibited from communicating with any third parties regarding the alleged debt. 

3. **Deletion of Personal Information : ** Under the Georgia Fair Business Practices Act [ O.C.G.A. 10-1-393.4 ], I insist on the prompt deletion of all my personal information from your records.

4. **Removal from Credit Report : ** Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ], I demand the immediate removal of any information related to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 

Failure to comply with these demands may result in legal action, including but not limited to filing complaints with relevant regulatory authorities and pursuing remedies under the aforementioned laws. 

Your prompt attention to this matter is not only essential for resolving this dispute but is also required by law.

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