vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My checking account was continuously drafted by a company that I requested a cancellation of services that they NEVER provided and I reached out to PNC to ask for assistance with stopping the auto drafting after the company refused to do so and to refund my money. The bank XXXX submitted reversals for the multiple amounts that were drafted and placed the funds of {$2300.00} ( + ) back into my account. I left the money in my account for approximately XXXX XXXX weeks to make sure the funds were absolutely mine before I spent any of the money. Well, after I used the money to pay bills and move PNC started demanding the money back after I paid bills. They closed the account and is reporting it on my credit report as a charge off but hasn't provided me with the XXXX documentation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2025-02-11 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: SC

Complaint narrative:
I am filing this formal complaint against TransUnion LLC, XXXX, AND XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in investigating and correcting inaccurate information on my credit report. Despite multiple dispute requests, TransUnion has refused to properly reinvestigate, update, or remove incorrect data, violating my rights under federal law. 

Complaint Summary : Incorrect Payment Reporting and Misleading Credit Status XXXX XXXX ( Account # XXXX ) has been fully paid**, yet TransUnion continues XXXX report it as derogatory and in collections. 

FCRA Violation : USC 15 1666B A creditor may not treat a payment on a credit card as an open-ended consumer credit plan.

Requested Action : Immediate correction to reflect a positive status or full deletion of the account.

Failure to Maintain Accuracy Across Credit Bureaus The information TransUnion reports does not match my records with other credit bureaus, indicating a failure to uphold standard data accuracy.

FCRA Violation : 15 U.S. Code 1681b ( e ) ( 6 ) Lack of a joint notification system to ensure accuracy.

Requested Action : Immediate deletion of the account due to conflicting and misleading reporting.

Failure to Indicate Disputed Status The Credit bureau violates my right to have disputes acknowledged.

FCRA Violation : 15 U.S. Code 1681i ( c ) Failure to note consumer disputes in the report.

Requested Action : Proper notation of my dispute or removal of the account.

Failure to Conduct a Proper Reinvestigation The Credit Bureau has failed to provide verification of the disputed information and continues to report incorrect details.

FCRA Violation : 15 U.S. Code 1681s-2 ( b ) Failure to reinvestigate disputes as required by law.

Requested Action : If the disputed information can not be verified, it must be deleted immediately.

Reinsertion of Previously Deleted Data Without Notice The Credit Bureau reinserted inaccurate and outdated information without properly notifying me.

FCRA Violation : 15 U.S. Code 1681 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify consumers of data reinsertion.

Requested Action : Remove reinserted data and ensure compliance with reinsertion notification rules.

Legal Basis for Complaint I am aware of TransUnions, XXXX, and XXXX ongoing noncompliance. Furthermore, I am aware of recent lawsuits against the credit bureaus for similar failures to maintain accuracy and comply with FCRA regulations. Their actions amount to willful negligence and ongoing violations of consumer rights.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this formal complaint against TransUnion LLC, XXXX, AND XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in investigating and correcting inaccurate information on my credit report. Despite multiple dispute requests, TransUnion has refused to properly reinvestigate, update, or remove incorrect data, violating my rights under federal law. 

Complaint Summary : Incorrect Payment Reporting and Misleading Credit Status XXXX XXXX ( Account # XXXX ) has been fully paid**, yet TransUnion continues XXXX report it as derogatory and in collections. 

FCRA Violation : USC 15 1666B A creditor may not treat a payment on a credit card as an open-ended consumer credit plan.

Requested Action : Immediate correction to reflect a positive status or full deletion of the account.

Failure to Maintain Accuracy Across Credit Bureaus The information TransUnion reports does not match my records with other credit bureaus, indicating a failure to uphold standard data accuracy.

FCRA Violation : 15 U.S. Code 1681b ( e ) ( 6 ) Lack of a joint notification system to ensure accuracy.

Requested Action : Immediate deletion of the account due to conflicting and misleading reporting.

Failure to Indicate Disputed Status The Credit bureau violates my right to have disputes acknowledged.

FCRA Violation : 15 U.S. Code 1681i ( c ) Failure to note consumer disputes in the report.

Requested Action : Proper notation of my dispute or removal of the account.

Failure to Conduct a Proper Reinvestigation The Credit Bureau has failed to provide verification of the disputed information and continues to report incorrect details.

FCRA Violation : 15 U.S. Code 1681s-2 ( b ) Failure to reinvestigate disputes as required by law.

Requested Action : If the disputed information can not be verified, it must be deleted immediately.

Reinsertion of Previously Deleted Data Without Notice The Credit Bureau reinserted inaccurate and outdated information without properly notifying me.

FCRA Violation : 15 U.S. Code 1681 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify consumers of data reinsertion.

Requested Action : Remove reinserted data and ensure compliance with reinsertion notification rules.

Legal Basis for Complaint I am aware of TransUnions, XXXX, and XXXX ongoing noncompliance. Furthermore, I am aware of recent lawsuits against the credit bureaus for similar failures to maintain accuracy and comply with FCRA regulations. Their actions amount to willful negligence and ongoing violations of consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Dispute of Debt - LVNV FUNDING LLC, Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name with {$2700.00}. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I had XXXX accounts as seen in the screen shot with Affirm, on my account page it shows that the loans are in default and transfered over to XXXX as their debt collector, I have paid both these accounts off, as seen in the PDF 's from XXXX, yet Affirm will not update my account and remove the negitive information which prevents me from future credit. They got their money, and the accounts paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
This credit collection company has been harassing me on a daily basis from numbers varying by XXXX or XXXX digits at the end, sometimes even numerous times a day. I called them back 6 times today and told them on every recorded line to never call me again and many of the collector agents responded with abusive/insulting language, not letting me talk, or hanging up on me. Chase has already dropped my credit because of this debt by over XXXX points for the next XXXX years. Theyve single handedly ruined any chances I may have at securing housing, loans, assistance, etc on top of being XXXX and already less likely to be eligible for these things. 

Ive disclosed Im a XXXX federal worker. Not to mention today is my birthday and they couldnt even wait XXXX more day to go back to harassing me. 

Theyre making my life significantly harder than it already was, its unbearable, and my livelihood has been significantly damaged as a result of Chase Bank and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
Unable to access online account. 
All my requests have not been resolved. 
This issue dates back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
On XX/XX/year> someone broke into my account and made a pay in 4 purchase of {$480.00} at XXXX in XXXX, GA. I reported this to Sofi and they immediately locked my account. They told me they would investigate and it would take 48 hours before my account was unlocked. I have called multiple times for an update since its been almost 2 weeks and I have bills due. This may potentially impact my credit score due to being unable to pay my credit cards. I told Sofi all of this, they told me they couldnt update me. They informed me that I couldnt speak with anyone from the review team and were able to give me a timeframe that my account would be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Here I go with PayPal Credit I ask them three months ago if they could change my due date since I get a XXXX on XXXX to make sure my payment got their on time never did they have my due date on the XXXX mailed my payment on XXXX for the third month my payment can't be found and they have charge a {$30.00} late fee never get a paper bill fromt his company so I have to send a payment in a regular stamped envelope. I am now - {$88.00} behind because of the fees and some kind extra interest they charge me for a XXXX order last year in XXXX using PayPal Credit. I sent them this month {$40.00} but they can't find it! This Company is a Fraud!! My husband has PayPal Credit they are doing him the same way losing payments charging a late fee and also adding Interest from Order done last year.

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 2025-02-11 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief