vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
When my XXXX  was XXXX of XXXX in XXXX, we took out an equity line in the amount of {$100000.00} to pay for medical bills. The loan was then an adjustable loan and I could lock in the rate then when it was low. During that time, I had my payments on autopay. Because of an increase of an amount under {$5.00} the Bank said I was late with my payment and took away my privilege to have an option to lock the rate. 

Because I was out of the country, I could not receive mail and I could also not log in to my account to see what was going on. 

Over the years I called them multiple times to explain my situation and ask if they could give me back the option to lock my rate. They denied me the option. 

It is now XXXX  years later and the principle amount is still {$90000.00} because interest rates are climbing and I could not lock the rate when it was around 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: MS

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as a single parent ; I'm trying to provide a stable living environment for my XXXX children. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-04-20 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: MS

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as a single parent ; I'm trying to provide a stable living environment for my XXXX children. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: PA

Complaint narrative:
I reviewed my credit report and its showing an unauthorized/ unverified inquiry on my XXXX and TRANSUNION report account from XXXX CARD SERVICES ( bank ). I have no knowledge of this inquiry at all and need it to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2024-04-20 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: NV

Complaint narrative:
In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX since I cancelled. 
I requested numerous times for XXXX  to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over XXXX points! 
I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.

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 2024-04-20 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: NV

Complaint narrative:
In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. 
I requested numerous times for XXXX to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over XXXX points! 
I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.

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 2024-04-20 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Company Eastern Account System , INC. is a third-party affiliate of XXXX XXXX XXXX XXXX XXXX XXXX has breached there contractual agreement with I the consumer by selling and disclosing my non-personal information to Eastern Account System, INC. Eastern Account System illegally has my personal information, furnishing information to my consumer report. Pursuant to my rights of privacy within The Privacy Act of 1974, Eastern account system is in violation. I would like to highlight due to The State of Michigan laws a debt collection agency must be licensed to collect on a debt in the state that is attempts to collect from a consumer. Eastern Account system is NOT LICENSED in the state of Michigan or Authorized to do business in Michigan. Therefore you can not collect on any debt. Eastern Account System, INC is illegally attempting to collect on a debt that has been charged off as a loss by company, XXXX and written off. Eastern Account System can not collect on a debt that has been written off on XXXX  companies books provided to the IRS. A charge off is a certificate of Indebtedness, which means it is income, Income can not be reported to a consumer report as per the company, XXXX  charge off of this said account. XXXX  has not provided the documentation requested by I the consumer as requested on the recorded call XX/XX/XXXX. The collection agency, Eastern Account System DOES NOT HAVE PERMISSION TO FURNISH MY CONSUMER REPORT I HAVE NOT GIVEN THIS COMPANY PERMISSION TO ACCESS OR HAVE MY PERSONAL INFORMATION. XXXX  HAS NEVER SENT ANY DISCLOSURE ADVISING THEY ARE SELLING MY PERSONAL INFORMATION TO THIS COMPANY. THIS ACCOUNT IS IN THE PROCESS OF LITIGATION. AS THE ORIGINAL CREDITOR HAS BREACHED THEIR PRIVACY POLICY pursuant to the contractual agreement. I have no contractual agreement with EASTERN ACCOUNT SYSTEM and demand this account be removed as all parties will be responsible for there role in attempting to bring false claims and stress against I the consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account Number XXXX to reflect that it has been paid in full. 

This account was initially opened on XX/XX/2019, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of 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 2024-04-20 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: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account Number XXXX to reflect that it has been paid in full. 

This account was initially opened on XX/XX/2019, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account Number XXXX to reflect that it has been paid in full. 

This account was initially opened on XX/XX/2019, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian a letter asking to remove inaccurate information listed on 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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was approved for a Capitol One Quicksilver Card. I never received the card in the mail. On XX/XX/XXXX, I received a text message asking if a charge for {$300.00} for XXXX XXXX XXXX was authorized. It was from Capitol One. I texted " No '' then went onto my account and noticed there was about a dozen fraudulent charges in the last few days. 

I called Capitol One to report the card as stolen and to report the fraudulent charges. They temporarily reversed the charges ( which total around {$520.00} ) and consist mostly of back-to-back fast food orders, a large purchase at XXXX, and a large purchase at XXXX... 

They just sent me a letter yesterday saying they've concluded their investigation and don't consider it fraud because " Information we discovered leads us to believe you or another account user benefitted from the transactions '' I never received this card nor used this card. Their investigation must be incomplete or faulty because there is no possible way to come to that conclusion. 

I am also filing a police report. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
XX/XX/XXXX a notarized letter was sent to XXXX for information regarding XXXX XXXX XXXX account. No information was provided under XXXX per XXXX XXXX. This company is in violation and request to have this item deleted from my file.

Company response to consumer: Closed with non-monetary relief