vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: ND

Complaint narrative:
I was incarcerated and unaware of the transfer of my BBVA account to PNC. I have no information whatsoever about what happened to my account ( Which had close to {$10000.00} balance ) I've contacted PNC multiple times on this matter ( BBVA Bank Customer Support is practically non-existent and have been unsuccessful in reaching them at all ) PNC only says " We aren't finding you in our system '' and that's it. I'm very frustrated and need help figuring out what happened. I've checked my states Unclaimed Property/Funds gov sites to no avail. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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:
Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/2023 Fraudulent Inquiries XXXXXXXX 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 2023-10-01 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate information on my credit report held by Experian. On XX/XX/XXXX, I contacted Experian concerning the following incorrect information on my credit report, and as of this date, they have not responded. I am seeking to rectify these inaccuracies and request your assistance in this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine, and I request its immediate removal from my credit report. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has caused significant harm to my credit reputation. I recall a lower balance on this account. I request that your agency revises the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This erroneous account has likely negatively impacted my credit score. I urgently need to reach an agreement with my creditor regarding the incorrect data. I kindly request that your agency marks this account as disputed to prevent further damage to my credit score. 


Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$35000.00} This account is not mine, and I request its immediate removal 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 2023-10-01 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX : XX/XX/2023

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 2023-10-01 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: MA

Complaint narrative:
I am writing to report and dispute incorrect information on my credit report, which I previously contacted Equifax about on XX/XX/XXXX. Despite my initial communication, I have not received a response from Equifax to date. Below, I have outlined the details of the inaccurate information and the necessary corrections : Account with XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$590.00} This account is not mine, and I request its immediate removal from my credit report. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has adversely affected my credit reputation. I dispute the balance and request a revision of the Past Due information since it is inaccurate to present a Past Due amount for a closed and charged-off account. This account may have caused a drop in my credit score, and I am seeking resolution with my creditor. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} I dispute the reported balance of {$6000.00}, as I recall it being lower. Additionally, the Past Due information should not be reported for a closed and charged-off account. I request Equifax to delete the Past Due information and mark this account as disputed to protect my credit score. 

Account with XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$13000.00} This account is not mine, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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:
Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Fraudulent Inquiries XXXXXXXX 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 2023-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I have a Fruad account and unauthorized inquiries appearing 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 2023-10-01 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: IL

Complaint narrative:
My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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:
I am writing to formally file a dispute with TransUnion regarding incorrect information on my credit report, which I initially brought to their attention on XX/XX/XXXX. To date, TransUnion has not responded to my dispute. I would like to provide the following details concerning the inaccurate information and the necessary corrections : The following account from XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. I kindly request that TransUnion corrects and updates this inaccurate information on my credit report. 


The following account from XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct and update this inaccurate information on my credit report. 


The following account from XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} ) has never been late. I request that TransUnion corrects and updates this inaccurate information 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 2023-10-01 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have been given a US AMEX giftcard and I have attempted to use it at various US stores. ( I am located in the UK ) and the transactions decline everytime ( I do have access to a US Address ) I spoken with AMEX customer services, who say use the card in a shop. Doesn ; t work. Transactions are declining to " protect my funds '' however I can not spent my funds and this feels like a scam

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I returned merchandise to an online vendor. Affirm is " investigating '' the dispute with the vendor. I sent them all the evidence they requested : copy of sales order, copy of vendor return policy, vendor return documentation, XXXX tracking info on return package that shows the return package was delivered XX/XX/2023. The vendor stated that it had issued the refund on XXXX 

I lodged the dispute XX/XX/2023 and I must continue paying the loan plus interest until the issue is resolved. The original XXXX has emailed me that he passed the dispute to a " senior '' XXXX but it seems like a stall tactic so they can collect more interest from me. 

They acknowledged that they already have all the evidence so there should be no reason I need to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I tried to switch my payment plan from an XXXX plan to SAVE plan. I am working towards XXXX  so I need to make XXXX payments to qualify for forgiveness. My autopay was set to make a payment of {$270.00} on XX/XX/XXXX. After receiving 2 emails on XX/XX/XXXX, my autopay was removed and my loans were placed into administrative forbearance. I tried to call their customer service phone line multiple times on XX/XX/XXXX but was placed on a hold that had a greater than 90 minute queue. I work from XXXX to XXXX in a job that does not allow me to remain on hold indefinitely. The Mohela website shows that I owe XXXX on XXXX but it also shows that I am in administrative forbearance. I do not have the option of turning autopay back on and the manual pay function asks me to manually decide how much to pay for each loan and I can not confirm that paying in this way would be eligible as a XXXX  payment.

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 2023-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately- please see below and attached. 

The unauthorized hard credit inquiry is - XXXX XXXX  - XX/XX/2023 Please see attached for my drivers license, social security card, address, and FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: CT

Complaint narrative:
I am writing to submit a formal complaint against Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} ) has never been late. Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I have a Fruad account and unauthorized inquiries appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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:
There are two items on my Equifax credit report that are not mine. I have sent letters and electronically filed disputes with Equifax multiple times over the years regarding these two accounts. The most recent disputes were on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I request for Equifax to validate the debt and send me evidence from XXXX XXXX  and XXXX that the accounts they have listed on my credit profile are mine. I have never received any documentation from Equifax showing that I have ever had accounts with XXXX XXXX  and XXXX, or that I owe the companies money for past credit card debt. I have contacted both XXXXXXXX XXXX  and XXXX and they do not seem to have any information about me or any old credit card accounts. I had fraud and identity theft years ago and I suspect that is how these two credit cards ended up on my credit report. The two accounts are : XXXX. XXXX XXXX Account number : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last 4 digits of the account number are : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
i requested my monthly statements for 8 consecutive years but they will not comply.but they rather foreclose on me to take my property from me and after XXXX of staying i was told i have no equity in my home and they have taken it upon themselves to extend my mortgage for another eight years the company name M & Tbank my account number is XXXX please help

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 2023-10-01 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: CO

Complaint narrative:
I am writing to bring to your attention a dispute I have with TransUnion regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccurate account. However, as of the date of this letter, I have not received a response from them. Below are the details of the erroneous information and the requested corrections : Account Details : Account Name : XXXX Date Opened : XXXX XXXX, XXXX Current Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: MI

Complaint narrative:
! wout the credit bureau to remove the late payment from my credit report because they violated the law. anything other than a bank statement belonging to the data furnisher is hearsay 15 usc 1681a 2 a i. Late payment are illegal according to 15 usc 1681a 2 ) 1 under exclusions 15 us code 1666b timing of payments 15 usc1681a ( 2 ) a 2 a i transactions and experiences are excluded from a consumer credit file

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 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I was placed on a " processing forbearance '' against my will by MOHELA. All contacts to remove this forbearance to pay my loan ( on an existing REPAYE plan ) has been ignored. MOHELA is now charging interest for the month of XXXX, despite that this forbearance was entirely against my will and my requests to remove the forbearance have been ignored. I am ready, willing, and able to begin repayment but the MOHELA is refusing to allow this to happen and now I am being charged over {$500.00} per month due to MOHELA 's incompetence.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief