vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I received a notice from a XXXX XXXX that I owed money for a purchase made from a company XXXX XXXX, XX/XX/year> and also allegedly entered into a loan agreement with a XXXX XXXX XX/XX/XXXX which is affiliated withXX/XX/XXXX A loan company. It was for a large piece of machinery that I would not use nor have the room for such item. I never entered any loan agreement. Never received said item not any information via mail, or e-mail in regards to said loan agreement with either XXXX or this XX/XX/XXXX I never signed any documents for any loan or any item that was supposedly delivered but it never was. I contacted XXXX XXXX and there is a record of the sale, but it showed said loan was closed, but had no further information. I contactedXX/XX/XXXXdirectly and was told to e-mail them and it would be escalated to their fraud department. I have done that. I haven't heard anything, but after reading many complaints regarding this bank and XXXX XXXX on the XX/XX/XXXX site it seems this has happened to many people and it doesn't seem legal, but somehow they are getting away with creating so called debts and loans that try to pursue payment for these loans to the point of suing, which is now happening to me. I never ordered nor had a loan with XXXX XXXX or a purchase from XXXX XXXX. XXXX is now trying to collect this debt and even suing me, so I am filing this report to respond to their claim by officially stating through the FTC someone or some company created this whole thing and are trying to hold me responsible. I have also tried to track down the delivery of said package, but the tracking numbers aren't valid and I get nowhere without valid tracking info. Every avenue I take is a dead end, but rest assured I DID NOT ORDER THIS ITEM I am being held responsible for. This XXXX XXXX shows a loan paperwork, but nothing with a signature or any proof of acceptance. Also there are no reports on my credit report for this loan since it was initiated in XX/XX/XXXX I would think if I was default I would have receive numerous calls, letters or bad credit reporting for defaulting on said loan. NOTHING. Only after this XXXX XXXX sent me notice that I supposedly owed this money did it appear which I quickly disputed and it was then removed. I never even got a phone call from XXXX, XXXX XXXX or now this XXXX XXXX regarding this debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
I contacted Lexis Nexis on XX/XX/2024, for a copy of my report. The representative took all of my personal information and advised I would be getting a letter in the mail within XXXX business days, and I have yet to receive a letter, email text or call. 
I verified all of my information. I also advised I had a police report because I had been victim of fraud as well as identity theft and advised I could upload or provide this information if needed. 

I was advised they did not need it and would send out the information to me and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX. Stopped me from making payments to an account. Admitted it, reported me late even after making payments. Removed my credit limit showing {$0.00} credit. Told me I need to reapply. I was denied due to serious delinquency from XXXX. Then said it was a glitch and my credit was not removed and was at {$1000.00} limit after the hard inquiry on my credit. 
They will not remove any late marks or the hard inquiry that was not even needed. Multiple emails trying to get assistance they either do not reply or say that they can not do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-03 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, 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 2024-05-03 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Mortgage servicing company Fay Servicing stole {$4000.00} of my money that I wired to them in order to reinstate my mortgage at XXXX XXXX XXXX XXXX XXXX pa XXXX the property is still up for auction and they have not produced a received receipt for my wire. 

I have been working with this company for XXXX  years now and it has really effected my life in so many ways. 

please if someone can help me with reporting them and help with keeping my house from being foreclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
Please delete these inquiries. I have no knowledge about them, and the company did it without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-03 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: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-05-03 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: MN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, 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 2024-05-03 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: MN

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
Please remove hard inquiries

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 2024-05-03 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: IL

Complaint narrative:
Please remove hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Reviewing my report, I have found inaccurate names, aliases, and addresses that do not belong to me. This company provided information to XXXX with incorrect information addresses and name variation claiming the debt is mine. Never sent is debt validation letter.

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 2024-05-03 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
Please remove hard inquiries

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 2024-05-03 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: MI

Complaint narrative:
I am writing to formally dispute the reporting on my credit account, which inaccurately alleges non-compliance with 15 USC 1692 ( g ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your account 's reporting contains misleading information that fails to adhere to the guidelines outlined by the FCRA, specifically in relation to the aforementioned statute.

According to the FCRA, disputed items that can not be supported by evidence should not be included on a consumer 's credit report. Given the lack of substantiating evidence for the reported non-compliance with 15 USC 1692 ( g ), I request that this disputed item be removed from my credit report immediately.As a consumer, I am entitled to fair and accurate reporting of my credit information, in accordance with the provisions of the FCRA. 
It is imperative that your account upholds these standards and ensures that all reported information is substantiated and compliant with the law. 

HOW CAN YOU ACCEPT MY LETTERS, WITH THE GREEN RETURN RECEIPT TO PROVE SO, AND NOT NOTIFY ANYTHING TO THE CREDIT REPORTING AGENCIES OF WHAT I HAVE SAID, AND NOT PROVIDE ANYTHING BACKING YOUR RECKLESS CLAIMS AND DECISIONS. YOU CLAIM THAT YOU HAVE GIVEN ME A LOAN HOWEVER I APPLIED FOR CREDIT, AND SUBMITTED A CONSUMER CREDIT TRANSACTION SO WHOS CREDIT DID YOU GIVE ME?. YOU CLAIM THAT YOU HAVE GIVEN ME A CREDIT CARD BUT THAT IS INDEED MISLEADING AND DECEPTIVE AS ( EXPLAINED BEFORE IN PREVIOUS LETTERS ) THAT A CREDIT CARD IS NOT SOMETHING YOU ISSUE YOURSELF. WE ARE BOTH AWARE OF THE DEBENTURES BEING UTILIZED, WHICH CREATES THE FANTASY YOU SO HOPE FOR PEOPLE LIKE ME TO BELIEVE IN YOU ACTUALLY GIVING XXXX MONEY OR A LOAN. HOWEVER, YOU CAN NOT LEND CREDIT WHICH IS WHAT THIS TRANSACTION CONSISTED OF, A CONSUMER CREDIT TRANSACTION. PLEASE UNDERSTAND THAT IT HAS TOOK ME QUITE SOME TIME TO OVERSTAND YOUR MISCHIEVOUS WAYS AND THE NUMBER OF TIMES I HAVE BEEN VIOLATED WITHOUT SEEKING COMPENSATION OR REPARATIONS. MY TIME IS RUNNING OUT AS I DO NOT HAVE AN INFINITE AMOUNT OF YEARS LEFT BUT I HAVE TO SPEND TIME KNOWING SUCH THINGS. 

I kindly request that you conduct a thorough review of the reported item and provide documentation supporting its accuracy. Failure to do so may result in further action to rectify this matter. 
Thank you for your prompt attention to this dispute. I trust that you will take the necessary steps to address this issue and provide a resolution in a timely manner. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Complaint to the CFPB Regarding Paramount REC I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Paramount REC for violating my Fair Credit Reporting Act ( FCRA ) rights. 
Here are the details of my complaint : Paramount REC is sharing my medical information without my consent. I have never authorized anyone to share my medical information with a debt collector. 
I did not receive a five-day disclosure letter before debt collection began. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice disclosing the debt and your rights within XXXX days of initial contact. 
I was unaware of this debt and had no opportunity to dispute it. I never received proper notification of the alleged debt, hindering my ability to chalenge its validity. 
Paramount REC has not provided proof of proper notification. I request a certified receipt with my signature to confirm receipt of any communication regarding this debt. 
The FDCPA states that debt collectors must provide accurate information and follow fair collection practices. By fialing to properly notify me and share my medical information, Paramount REC has violated my rights. 
Furthermo under the FCRA, you only have XXXX  days to respond to a debt validation notice, not XXXX days. Silence is not considered acquiescence. 
I request that the CFPB investigate this matter and take appropriate action against Paramount REC. This may include requiring them to cease communication, remove inaccurate information from my credit report, and potentially compensate me for damages. 
Thank you for your time and attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Please note : ID and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: MD

Complaint narrative:
Kindly eliminate these inquiries. I am unaware of them, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX and XXXX 2024 I began receiving at least XXXX calls and text messages per hour from mortgage wholesale lending companies. Some are aggressive and rude.I recently agreed and submitted an application to check what I qualify for to purchase a home and when they pulled my credit report I started receiving unwanted calls and text messages. I was told that credit reporting agencies sell information to these companies. This is disgusting to think my information was shared without my knowledge. 

I have since taken the following action : - Added my phone number to the " Do not call registry '' - Completed the XXXX pre-screen opt-out - Submitted a freeze on my account- I called Transunion and the representative just kept saying she could only see my credit report and was not helpful in telling me how these companies were accessing my information.

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