vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I paid XXXX insurance and then switched insurance companies in XXXX  2024. XXXX continues to harass me since XX/XX/year>2024 and now has impacted my credit score with a derogatory. XXXX turned me into a debt collector. I do not owe XXXX  anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Estoppel v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$1900.00}XXXX XXXX XXXX {$590.00}, XXXX XXXXXXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$380.00}.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account XXXX XXXX XXXXXX/XX/XXXX in the amount of {$720.00}, XXXX XXXX XXXXXX/XX/XXXX in the amount of {$530.00}XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount {$1600.00}, XXXX XXXX XX/XX/XXXX in the amount of {$430.00}. XXXX XX/XX/XXXX in the amount of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a dispute against PNC Bank regarding the recent denial of my auto loan application submitted on XX/XX/year>. PNC Bank has violated my consumer rights as outlined in 15 USC 1602 and related laws. This letter serves as both a formal complaint and a pre-arbitration notice, as provided by PNC Banks arbitration agreement.

**Violation of Consumer Rights under 15 USC 1602 : ** As a consumer, I am entitled to access credit as a matter of my right under ( 15 USC 1602 ). Denial of my application without proper cause and without adherence to federal regulations governing my rights to credit constitutes a violation of this federal statute. I am aware of the Equal Credit Opportunity Act ( ECOA ), which prohibits denying a consumer credit without a valid reason. In this case, no valid, lawful reason has been given, nor have my rights to access credit been upheld.

**Securities Fraud : ** Additionally, the withholding of my own securities and the denial of benefit after applying for credit is tantamount to securities fraud. Upon submission of my application, I was supposed to receive access to credit, which I did not. This breach must not be ignored, as my security is being withheld unlawfully, causing me harm and depriving me of access to necessary credit.

**Failure to Adhere to Arbitration Agreement : ** PNC Bank 's own arbitration agreement clearly states that customers should attempt to resolve any disputes by contacting the bank first. I complied with this directive and called PNC Bank on the morning of XX/XX/year>, seeking remedy for this violation. However, none of the representatives I spoke to were familiar with the consumer rights issues I raised, nor was I given access to a supervisor or manager when I requested to escalate the matter. This further demonstrates PNC Bank 's failure to resolve the issue through the proper channels as set forth in their own agreement. 

**Demand for Remedy : ** I am demanding immediate action, specifically, I request that : 1. PNC Bank provide the benefit I was entitled to when I applied for my auto loan.

2. Any adverse action taken against my application be reviewed and corrected in accordance with federal law.

If I do not receive a satisfactory resolution to this matter, I will proceed to arbitration as outlined in PNC Banks agreement to seek the remedy I am entitled to under the law.

I expect a prompt and comprehensive response to this letter. Please contact me at your earliest convenience to resolve this matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
Ive tried contacting the company several times through mail and CFPB and nothing gets rectified. They said theyve done a full investigation and just the incorrect numbers on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I hereby depute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, Transunion and XXXX. You must Cease collection efforts until this alleged debt is validated. you must show proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding.

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 2024-09-16 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:
XXXX XXXX Account XXXX I hereby depute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease collection efforts until this alleged debt is validated. you must show proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive tried contacting the company several times through mail and CFPB But nothing gets rectified they say theyve any full investigation and just update numbers on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK GROUP, INC.
State: TX

Complaint narrative:
I opened an account with Independent financial because there was new promotion on it. however they immediately made my balance negative a XXXX XXXX for no reason. and wont unlock my account or even let me close my account and receive my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
I recently reviewed my transunion credit report and noticed some accounts that were not accurate and incomplete. See below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inaccurate not accurate XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Procedures to assure maximum possible accuracy or the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to FCRA 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16681 i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( I ) promptly delete the item of information from the consumer file. 
( ii ) promptly notify the furnisher of that information the the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Delete account name and # from my credit report. Delete because of multiple violations of the FCRA.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
Under the fair credit reporting act it is a violation of my rights to report late payments on my account 15 USC 1666b 15 USC 1681 S 602 and 15 USC 1681 S 604a please have these late payments removed in accordance with US law Account XXXX XXXX this account has been disputed and removed with the cfpb and other credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Concerto Card Company
State: NC

Complaint narrative:
I went to get my new cab registration today for my semi tractor in north carolina i feel like they are stalking every move and purchase i make. My credit limit on my pay pal cash back was XXXX dollars today they lowered it to XXXX its at XXXX no payment do they sent me an email ssying they are closing my account today for no reason no payment do never been late did nit yse this card for cab registration used anotger card. They also lowered a credit limit on another pay pay card to XXXX was XXXX following me everywhere. I have good credit make enough money to cover payments this will ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was text and called Plus emailed via chime from an XXXX XXXX requesting a payment for {$460.00} for a transaction reversal from my XXXX account for an pending transaction XX/XX/XXXX. I just opened my chime account and somehow they hacked my account. I am homeless and was in route an had gotten an earlier email or text stating there was a pending transaction from XXXX for an amount of {$950.00} and change. The caller claimed he was a XXXX rep and I would be requested to xfer the {$460.00} so he could reverse it. Being in a hurry and confused, I failed to check my XXXX account due to having too many applications open on my phone. I was duped into transferring the {$460.00} and when it went through via chime, the caller hung up. I requested the {$460.00} but it was denied of course. Then I texted the person back and was told to " XXXX XXXX XXXX ''. Chime refused to re-imburse me ....

Company response to consumer: Closed with explanation