vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXXXXXX XXXX, and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, TransUnion has violated my rights. 

TransUnion has refused

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX XXXX  XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how Equifax, XXXX has violated my rights. 

XXXX has refused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On the morning of XX/XX/2022, I realized within 10 minutes after submitting two XXXX payments, that I had been scammed on XXXX XXXX after listing several items for sale on XXXX XXXX. I immediately walked from my university library to the PNC branch on campus that was about 5 minutes away, to notify them of the issue. They basically said " the transfer is immediate, we can not stop it '' even though the amount had not yet been deducted from my account and PNC, along with XXXX could totally have arranged the transaction to be canceled right there and then. They told me to wait for the amount to be posted on my account before filing a dispute, and proceeded to give me a wrong number to contact. 

I filed a dispute with PNC with no favorable results, even after providing details about the transactions, the XXXX accounts that the transfers were made, etc. In addition, I was provided a letter that said I could call to hear the details of a dispute, with a number provided. When I called the number, no one could give me ANY details about the dispute even after multiple follow up calls and transfers. They scheduled to have a supervisor/manager call me back after I provided them with my available times, but it is as if they INTENTIONALLY call me outside of the available times I had provided. I have been a loyal customer to PNC for 10 years and the last supervisor/manager I spoke to asked me in a very disgruntled way, " what do you want? '' and proceeded to send me around on another wild goose chase with no additional useful information. 

The total amount of these XXXX scams were {$350.00}. PNC along with other banks, OWN XXXX. Therefore, PNC as the owner of XXXX, AND the bank I chose to bank with for the last 10 years should take responsibility by refunding {$350.00} to me. ( The amount of the transfer that I had promptly requested to be cancelled. ) PNC also needs to take responsibility for their refusal to provide additional details on my dispute and take better steps to address disputes in the future. I am happy to provide any additional documentation or photos needed in a follow up. But please do not waste more of my time unless you will, in fact, process this refund back to me. 

XXXX scams appear to continue to affect many people. Enough that it is still a huge news topic even today. Banks like PNC and others that own XXXX have been unethically evading responsibility for long enough. Please hold them responsible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
Dear SOURCE RECEIVABLES MGt XXXX XXXX  XXXX {$1100.00} :???? 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX Ally went to the extreme and took money out of a former customer account with Ally who is a relative of mine that lives in the same residence Relative only has the same address that was on file but every other information is separate to my account They took XXXX and put it towards my account because my payments were past due to a situation with the insurance and dealership claim I had because the hurricane damaged the XXXXXXXX XXXX I have leased with Ally My relative noticed her money was missing because she received a notice Now due to their actions she was able to get the money back and she ended up refinancing with a different bank Now in my situation I haven not had my vehicle since XXXX due to the damages and all I have contacted Ally plenty of times giving them notes on why have not been able to make a payment but yet every single time I speak to someone they say there are no notes I received a letter on XX/XX/XXXX from Ally stating they have my vehicle and to pay the full amount to get it back but also on the letter it also states or get it back for less just to contact them for the payment options as soon as I call they tell me otherwise and I am trying to speak to them on my concerns and they hang up This bank is so quick to ask and take money from others but can not help out like how they supposebly say in writing.

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 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Fraud check was deposited and bank authorization was given to pay these individuals even though I told them it was a fraudulent check. They blame me for the deposit and sending the crooks XXXX dollars

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus XXXX 
I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: TX

Complaint narrative:
I reported to Kickoff that I did not apply for a loan that they claimed I signed up for. 
I had no need for a loan of {$750.00} at that or even now. The dates started XX/XX/XXXX and placed on my account XX/XX/XXXX for a late payment of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Transunion # 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 In accordance with the Fair Credit Reporting act XXXX Account 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the accounts I asked to be validated Name of Account Account Number Verification XXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Acc XXXX XXXXXXXX Validate Acc XXXX XXXXXXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Acc XXXX XXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Ac XXXX XXXX XXXXXXXX Validate Acc XXXXXXXX XXXX XXXX XXXXXXXX Validate Acc XXXX XXXX Validate Ac In accordance with the Fair Credit Reporting act the above accounts has violated my rights.

15 U.S.C 1681 sectjon 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. Sec. 1681i ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I have mailed in several disputes with the 3 major credit bureaus ( XXXX, XXXX and TransUnion )XXXX XXXX XXXX XXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XX/XX/2023Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I have mailed in several disputes with the 3 major credit bureaus ( XXXX, Equifax and XXXX ). XXXX XXXX XXXXXXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XX/XX/2023Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Unauthorized charges by Wells Fargo

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
It is about a fraudulent charge using my information. I did not open any account with TD bank. I just found this charge when I was applying for a loan last month. So I called TD bank and informed them about this charge under my name in error. I was transferred to the fraud, department, then to their recovery department, then back to credit card services, then they transferred me to XXXX. Each time that TD Bank transfer me it takes about 30 min or more to wait. So I have been spending at least hours to get them and talk to the. TD bank has been reporting me as delinquent since XXXX so I can not get a good interest rate and it is impacting me financially. 

I called them again later part of XXXX and after so many transfers and waiting on the phone, they told me write a complaint and mail it. A copy of which in enclosed. 

I called them again today XXXXand after so many transfers and waiting, I was told call the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; XXXX ; XXXX ; and Transunion ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; XXXX ; Equifax ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XXXX XXXX there was money taken out my account XXXX then XXXX a minute later and the skylight bank will not refund my money said there was no error then a week later and new card someone tried to take money out again but there was no funds on the card so they sent the second card I just need help getting my funds back thank you

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 2023-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Unauthorized transactions by Wells Fargo

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
hard inquiry made by 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