vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I got a loan for a used car through PNC bank. Over a year after paying the car off, they have not released the lien on my title. They claim that the lien has been released, but my county clerk is stating it still shows as having a lien from PNC. I was never sent the lien release, but instead a " letter in place of '' the lien release that XXXX XXXXounty clerk will not accept. PNC refused to sign the lease termination form provided to me by my county clerk, and instead told me I needed to visit XXXX XXXX XXXX and pay {$30.00} to a third party to have the lien release mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
Complaint Regarding Unvalidated Debt Collection and Reporting by UCB Collection, XXXX, and Experian To Whom It May Concern, I am writing to file a formal complaint regarding a debt collection account reported by UCB Collection on my credit reports with XXXX and Experian. The debt in question has not been validated despite my formal dispute and repeated requests for verification under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Details of the Issue : Collection Agency : UCB Collection Credit Reporting Agencies Involved : XXXX and Experian Dispute History : I disputed this account with UCB Collection on [ date of dispute letter ]. 
I requested validation of the debt, including proof that the debt is mine, the original creditor, and an accurate accounting of the debt amount.

UCB Collection failed to provide the required validation within the legally mandated time frame.

Reporting Issues : Despite the lack of validation, UCB Collection has continued to report this account to XXXX and Experian. 
Both credit reporting agencies have failed to remove this account after my disputes on [ date ( s ) of dispute ( s ) ].

Violations : UCB Collection violated FDCPA 809 ( b ) by failing to validate the debt after my written request. 
XXXX and Experian violated FCRA 611 by not conducting a proper investigation or removing the unverifiable account from my credit report.

Requested Resolution : Immediate removal of the unvalidated collection account from my credit reports with XXXX and Experian.

Confirmation from UCB Collection that this account is no longer being pursued. 
A formal acknowledgment and resolution of this complaint. 
I request that the CFPB investigate this matter promptly. This collection account has caused significant harm to my credit and financial well-being, and it is crucial to resolve this issue fairly and lawfully. 

Thank you for your attention to 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 2024-12-09 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2024-12-09 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: KS

Complaint narrative:
I am filing this complaint because my credit report contains an inaccurate late payment for my account with XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX, and they confirmed that they have already submitted the necessary updates to correct this error. However, my most recent credit report still reflects the late payment, indicating that the credit bureaus have not updated my account information. 

The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/year>. 

I have never been late on payments for this account, and this error is unfairly damaging my credit score. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate and truthful reporting of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: KS

Complaint narrative:
I am filing this complaint because my credit report contains an inaccurate late payment for my account with XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX, and they confirmed that they have already submitted the necessary updates to correct this error. However, my most recent credit report still reflects the late payment, indicating that the credit bureaus have not updated my account information. 

The account in question is : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/year>. 

I have never been late on payments for this account, and this error is unfairly damaging my credit score. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate and truthful reporting of consumer information.

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 2024-12-09 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: CA

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Requested all three bureaus to correct and update old/incorrect personal information on or before XX/XX/year>. XXXX continues to show old/incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MD

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-09 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: MD

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, On XX/XX/year> I disputed an account reported by XXXX Bank in the file that Equifax maintains under my Social Security number. 

I was informed on XX/XX/year> that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), a credit reporting agency is required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: UT

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2024-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
In XXXX of XXXX, property taxes were waived in the city of XXXX due to 100 % service connected XXXX. Penny Mac issued a refund in XXXX of XXXX for money paid to escrow for property taxes for the year. I. XX/XX/XXXX, the escrow paid the property taxes to the city of XXXX in error in the amount of XXXX. Since the end of XXXX I have called over 10 times between the lender and the city of XXXX to obtain the refund. I continually have to wait 14 business for a response that doesnt come. As of today XX/XX/XXXX. Penny mac has a cashed check with a check number for the property taxes refund and refuses to refund me even though we closed our loan out with them in the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-09 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-09 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2024-12-09 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-09 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-09 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a single one year subscription for XXXX to help with my studies in XX/XX/XXXX. Come XX/XX/XXXX I get charged another 1 year subscription ( {$190.00} ) for XXXX  without consent. They enrolled me in auto renewal without consent. I contacted XXXX  who refused to issue a refund then i contacted Capital One to dispute the charge. 2 months later my dispute is rejected and the charge is back on my credit card. I contacted Capital one again on XX/XX/XXXX to request why my dispute was rejected and submitted the requested forms. Capital one rejected the dispute again and I contacted them XX/XX/XXXX and submitted the requested forms again only to be rejected. I contacted capital one again XX/XX/XXXX three times ( XXXX XXXX XXXX XXXX and XXXX XXXX  ) both of which i submitted the requested documents only to be rejected ( the XXXX document submission was rejected within XXXX minutes! ). I contacted capital one XX/XX/XXXX at XXXX and requested to speak to manager which was unavailable at the time. I contacted Capital one XX/XX/XXXX at XXXX and spoke to manager XXXX and described my situation with this company and explained how XXXX was conducting shady and possible predatory business practice as 3 other people were experiencing the same issue as I had regarding XXXX  non-consensual auto renewal as described on XXXX XXXX XXXX  within a one month time frame of my situation. XXXX then said that Capital one can not to anything and case is closed. I then stated that I will be contacting CFPB and he said he respects that decision along with telling him that i can no longer recommend family and friends to use capital one as they are not a company that advocates for its customers against shady businesses along with stating i will be cancelling my bank account and credit card with them. XXXX hung up the phone without any additional word.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
I have repeatedly requested the original date for the debt, proof of person and proof of debt and haven't received anything from the repository for the collection called 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 2024-12-09 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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