vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I was looking at my credit score and noticed it had a derogatory remark from XX/XX/XXXX  in the amount of {$17000.00} from Rent Recovery Solutions XXXX XXXX XXXX XXXX. I discovered it on XX/XX/XXXX  and notified all 3 credit bureaus that this was identity theft and I did not have any outstanding rents, nor did I take out any type of lease or rent any property. I have owned my own home in XXXX, AL for 8 years and someone has clearly stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
I am writing to formally complain about the numerous unsuccessful attempts to remove charge-off accounts from my credit file. Despite multiple efforts to rectify this matter, the unresolved charge-off entries continue to negatively impact my credit report, hindering my ability to obtain credit and financial opportunities. 

I have made persistent efforts to address and rectify these issues by submitting disputes, providing supporting documentation, and communicating with your representatives. Unfortunately, these attempts have not resulted in the removal or correction of the charge-off accounts, and they persist on my credit report. 

The prolonged presence of these charge-offs has had a detrimental impact on my creditworthiness, making it challenging to secure favorable interest rates, obtain credit, and negatively influencing my overall financial standing. 

I request a thorough and immediate investigation into the matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and correct the charge-off accounts. 

If the necessary actions are not taken promptly, I may be forced to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

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 2023-12-13 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: IL

Complaint narrative:
This account is reporting as a collection on my report despite not having any historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Experian. This account must be removed immediately for Experian is reporting it wrong.

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 2023-12-13 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Cards is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Citi Cards has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.

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 2023-12-13 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: GA

Complaint narrative:
On XX/XX/XXXX  I wrote TransUnion to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. 
I have never received a response back from them and my credit report was not corrected.

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I am writing to Complain the misleading and responsibilities of the PNC Bank. 
First of all, the Bank misled me to use two accounts for my business credit card and answer my inquiry that the two are for the same account. So I have only paid attention to one of the accounts with all my transactions and the successful receiving of the monthly autopay, but without showing me the late pay charge on this account. They only show it in another account and the bank statement which is sent later. As I have already seen my online account that the auto pay is received so I feel safe that I havent checked other records It also misled me to set up the auto pay at the due date of the statement and charge me the late fee just one day after the bank received my auto pay. Why charged me a late charge after receiving my auto pay? Why no late charge for the first two months as I have set up the auto pay date since my card was issued?

I was confirmed by not only one staff member a few times total after I called a number of times that the auto pay date set up is correct and they even confirmed to me that there is no more late charge and will refund me one months late charge, but then they charge late fee again and charged me 4 months of late charge in total .They even denied that they have any of that kind of conversation record. 
The bank even does not accept any written complaint by mail or email The Bank refused to be held responsible for the above few deception and fake confirmation that they have made and refused to refund customers after a long time of complaints and negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$1300.00}. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00}. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.

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 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Management Services, Inc.

Complaint narrative:
I was wrongfully charged by XXXX XXXX back in XX/XX/, and submitted Disputed Request. They ignored me, and then, forwarded a {$28.00} bill to the Credit Management Services for collection. The case with XXXX XXXX is still in dispute and I have contacted them numerous times to no avail, starting a lawsuit against them. 
I contacted this Collection Agency : Credit Management Services on XXXX XXXX, XXXX. The lady first fooled me into getting personal information. First, she asked for my birth date, which I provided un-suspiciously! Then when she asked what phone number to contact you, I figured it's their tactic to get enough information to be able to ruin my credit with the credit bureaus! When she figured that I am asking not to continue and I won't pay until the dispute is resolved with XXXX XXXX, she simply hung up! 
I am very worried that Credit Management Services having my birth date on their file, then will cause a lot of damages to my personal well-being, finances, and other damages I can think of. 
As a very minimum, I am requesting them to stop, and remove my birth date from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}

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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I got a car loan with credit acceptance almost five years ago car. Car got totaled due to an accident they have been reporting that the account is closed since XX/XX/XXXX of XXXX. Also it says the account is closed and open

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 2023-12-13 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: TX

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

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 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am composing this to formally report to my credit report an incidence of identity theft and fake accounts. I just got a copy of my Experian credit report, and in it, I saw a number of unapproved transactions and accounts that I never opened. I am quite concerned about this and am asking for your help to find a solution. 

The information about the bogus accounts can be seen below : XXXXXXXX XXXX XXXXXXXX - XXXX  and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX - XXXX  and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Remove these fraudulent accounts and any associated negative information from my credit report as they are not a result of any legitimate transactions I have made. 
I understand that this process may take some time, but I kindly request that you keep me informed of the progress and any actions taken to resolve this matter. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.

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 2023-12-13 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: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 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:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation