vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have applied for a business mortgage loan in XX/XX/XXXX through PNC bank. The agent who handled the case was : XXXX XXXX, vice president and senior health care relationship manger in XXXX. 

This person initially promised to get the loan approved within a week, Although we have submitted all required documents, he kept delaying the application and/or the process repeatedly for no reason for months. 
He would not communicate, reponed to calls or emails from me or the buyer agent. when we finally sat down to close on the loan, the PNC bank agent predicted that he is in a hurry and has to be with somewhere else within an hour, pushing us to sign very quickly. He never offered to go through the XXXX pages document he carried with him. I discovered NEW TERMS that were never discussed or approved by me, ONLY after I asked him specifically to show me the section where it states that there will be NO prepayment penalty. To my choc and dismay, he had that clause written in the contract although He neither discussed it with me nor did I agree to it. Furthermore, he tried to convince me that it is a STANDARD in every business loan I refused to sign and asked him to revies the agreement and remove the clause of " prepayment penalty ''. He made it sound impossible, but only to contact me the next day to tell me that he agreed to it and will remove the clause. 

Since the closing has been delayed several times because of him, the owner refused to delay the closing to an INDEFINATE date. 

Therefore, I had to close on the building the next day and pay cash for it. 

The bank agent later agreed on XX/XX/XXXX to REFINANCE the building with the same terms agreed. and since the application has been already approved, the closing should have been done very shortly after. To date, he never contacted me with any date and only kept ignoring my communications. 

I feel there is clear evidence of discrimination and bias and that his behavior was unprofessional and malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There was 2 credit card open fraudulently in my name with JP Morgan Chase Bank Card. 
in the amount of {$21000.00} and {$16000.00} - I contacted chase to let them know and I also sent a FTC report to credit bureau with account information, my information along with the fraudulent information details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received 3 alerts, all on XX/XX/year>, that someone tried to contact these banks on my behalf : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA 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 2024-12-28 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: GA

Complaint narrative:
Good morning, I have many queries on my Experian credit report from requests with different banks that I do not know and I want to report it as if my identity is being stolen and I want my reports to be deleted. I call the companies and I do not receive any information that they delete the queries and this is affecting my credit report from the data we have.

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 2024-12-28 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: GA

Complaint narrative:
Good morning, I have many queries on my Experian credit report from requests with different banks that I do not know and I want to report it as if my identity is being stolen and I want my reports to be deleted. I call the companies and I do not receive any information that they delete the queries and this is affecting my credit report from the data we have.

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 2024-12-28 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 stressed and displeased that I see so many violations on my consumer report that goes agaisnt FDCPA, XXXX XXXX XXXX XXXX. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXXXXXX XXXX  Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This has caused emotional stress simply because the credit report agency are not going through the proper steps to report these accounts. All these accounts require abritation according to their policy and can not be reporting or submitted to a collection agency or as charged off to attempt to sell my information. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am stressed and displeased that I see so many violations on my consumer report that goes agaisnt FDCPA, XXXX XXXX XXXX XXXX. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This has caused emotional stress simply because the credit report agency are not going through the proper steps to report these accounts. All these accounts require abritation according to their policy and can not be reporting or submitted to a collection agency or as charged off to attempt to sell my information. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
The company did not provide proof between me and FMS Financial Solutions. They also did not provide a signed copy of this.

They also did not provide a contract between FMS Financial Solutions and supposed original 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I had auto insurance with XXXX. The policy was coming up for renewal on XXXX XXXX 2024. 
I got married on XXXX XXXX, 2024. I called XXXX to ask for a quote on my policy because I am now married. XXXX gave me a quote that I didn't accept. I acquired insurance from a different company. I did't add my wife to a policy that was about to expire in a few weeks. That makes no sence. XXXX is sending me a bill for {$28.00} for adding her to the policy a few weeks before it expired. Ridiculous! I only ask for a quote if I renewed. I contact them they refuse to remove the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On multiple occasions, I discovered several fraudulent accounts and transactions on my credit report, which I believe were the result of identity theft. The fraudulent accounts were reported by various companies between XXXX and XXXX, including credit cards, auto loans, and charge accounts. These accounts were opened without my consent or knowledge, and I had no prior dealings with the companies involved. 

The accounts listed XXXX ( XXXX XXXX  ) Reported on XX/XX/XXXX, with a balance of {$290.00} and a credit limit of {$300.00}. 

XXXX ( XXXX XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$470.00} and a credit limit of {$8000.00}. 

XXXX XXXX ( XXXX XXXX  ) Reported on XX/XX/XXXX, with a balance of {$360.00} and a credit limit of {$200.00}. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$240.00} and a credit limit of {$2500.00}. 

XXXX XXXX ( XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$780.00}. 

XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$24.00}. 

XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$0.00}. 

XXXX XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$15000.00} and the status of repossession. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$7400.00} and the status of repossession. 

To dispute these fraudulent accounts, I sent verified mail to all XXXX  credit bureaus TransUnion, XXXX and XXXX on XX/XX/XXXX, and again on XX/XX/XXXX, to verify my identity and report the fraud. It has now been more than XXXX days since I initiated the disputes, and I have still not received any updated information regarding these fraudulent accounts from the credit bureaus. I have not received a response or updated credit report reflecting the removal of these accounts. 

I am requesting that the fraudulent accounts be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), and that all collection activities related to these accounts cease immediately. I also request an updated copy of my credit report to reflect the removal of the fraudulent items and to ensure that my credit information is accurate. 

By publishing this description, I hope to inform others of the challenges faced when dealing with identity theft and how important it is to take swift action in reporting and resolving fraudulent activity.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/year> Credit Corp Solutions LLC To whom it may concern I have recently pulled report and noticed that there is a collection listing from your agency I have never been informed of this collection action, or that I owed the debt This letter is to inform you that I have the right to request a validation of this debt, and your ability to collect his money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

-Please attach copies of the following documents : -Agreement that you have authority to collect on this alleged debt -Agreement that bears the signature of this alleged debtor with promises to pay the original creditor -Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Complaint against TransUnion for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXXXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that TransUnion immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to TransUnion, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 
Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Complaint against TransUnion for XXXX Bankruptcy XXXX XXXX Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXXXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that TransUnion immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to TransUnion, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 
Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance. 

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 non-monetary relief