vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Received toll fee collection letters for vehicles sold. Provided all documents of proof of sale prior to tolls. Submitted title transfer documents to TxDMV as proof of non ownership. Still receiving collection letters and credit reporting. This is fraudulent collection that the PENNCREDIT CORPORATION is not corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY DISCHARGED Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: LEXISNEXIS
State: GA

Complaint narrative:
am writing to formally request the XXXX of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily XXXX the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: ID Analytics, Inc.
State: GA

Complaint narrative:
am writing to formally request the XXXX of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily XXXX the account until the matter is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Statebridge Company
State: UT

Complaint narrative:
I have contacted this company on at least 4 occasions to resolve my concern related to payments not being posted to my account. They continue to tell me I don't have a past due balance, but do not provide me with information about the payments I have made. The statements I have received do not show a transaction history. I have asked to speak to a supervisor - the first time I was told they were not there, the second call I was told they would be there after noon MST and they weren't. Today I was told they would not be back until Monday and to call after XXXX MST on Monday ( it's only XXXX MST ). I have sent the requested information - copies of payments sent. Today I received a letter in the mail saying my account is in arrears and I may be foreclosed on. 
I feel like I have not been able to resolve this and it may be negatively impacting my credit score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I reached out to Citicards CBNA on several occasions to resolve an alleged debt of {$710.00} that was charged off and reported on my credit report. 

I citicard customer services on many occasions requesting a XXXX debt cancellation letter and they refused to send it to me. I even offered to pay off the entire amount on during my most recent call and they refused to accept payment my payment. 

Citicard has unlawfully continued to share my experiences and business transactions that i have with their company with third parties without my authorization in writing. 

Citicard continue inaccurately report late payments on my credit report that is causing an issue on my lending ability. 

Citicard action to report inaccurate late payments, refusal to send me a XXXX debt cancellation letter and refusal to accept payments form me when I attempted to resolve the above issue is unacceptable, unfair and unlawful. 

I therefore request that you help me look into this matter. 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 non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I was overcharged interest rates being that I was military personnel. I sent in copies of my XXXX and no action was taken, resulting in garnishments and negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
Dear sir/mam My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX Open 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The XXXX XXXX keep disrespecting the laws. I showed them XXXX 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The XXXX XXXX keep disrespecting the laws. I showed them XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I need XXXX deleted from my credit report Opened XX/XX/XXXX XXXX {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates XXXX and equifax say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley.

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX XXXX, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of XXXX by not properly describing the benefits and limitations of its XXXX XXXX product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all XXXX credit bureaus to further show that XXXX XXXX has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX XXXX 30 days deliquiency in separate months on all XXXX credit bureaus XX/XX/XXXX XXXX Equifax and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I have submitted XXXX disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted XXXX Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
ASPIRE investigation results contains information that is materially misleading, thus inaccurate. ASPIRE has stated that this account has been verified after your investigation but have not provided me with any instruments to validate the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ) .Be advised that an employee looking at their computer screen, seeing my name, address and/or other personally identifiable information listed in their database is NOT verification or validation of any alleged debt ( s ). Validation of debt is competent and valid evidence that I have some contractual and lawful obligation to pay you. Please note, a copy of the consumer credit contract is not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am again very concerned about the validity and accuracy of your recent investigation.Pursuant to 15 U.S.C. 1692g, I am instructing you to provide me with the Method of Verification for the account.This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a request for a reinvestigation of the previous dispute. This is a request for the Method of Verification where the following items should be provided to ensure the validity of the account.Please see attachment for the list of items of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CO

Complaint narrative:
Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Experian, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Per my dispute XXXX, Bank of America is requesting payment of {$130.00} payable by calling Secured Card Voluntary Collateral Liquidation Department at XXXX. I called them in XX/XX/2023 and received confirmation number XXXX that they were processing my reimbursement for the CD plus interest minus the balance on my 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 2024-03-08 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: MI

Complaint narrative:
I am writing to dispute several inquiries on my credit report that I believe to be fraudulent. I have no association with the listed creditors and did not authorize these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
My mortgage was transferred to Pennymac last year, approximately in XX/XX/XXXX. For the past year, I have made every single payment on time. In early XXXX of this year ( XXXX ), I received an email notification from my Flood Insurance company that my Flood Insurance will expire on XX/XX/XXXX if payment is not made. I checked with Pennymac and they did not have my Flood Insurance policy on file, so I provided it to them, along with the information that they need to make payment by XX/XX/XXXX or my policy will expire. Pennymac did nothing and I had to continue to request for my Flood Insurance not to lapse. The Flood Insurance company finally received payment from Pennymac on XX/XX/XXXX, which is 8 days after the policy expired.

As of the time of this complaint, my Homeowners Insurance policy has lapsed. Pennymac has not made my Homeowners Insurance policy payment as of XX/XX/XXXX. The payment for my Homeowners Insurance policy was due on XX/XX/XXXX. 
I have requested Pennymac to delete my escrow account, as I can handle all payments outside of the mortgage myself. It is simple to do, yet clearly difficult for Pennymac to handle. Yet after not making any of my policy payments needed on time, out of my own escrow account that is funded by me, Pennymac has refused to delete my escrow account. I want my escrow account deleted, as Pennymac can not make simple payments timely, on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: IL

Complaint narrative:
Company did not update 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A credit card for the amount of {$2300.00} was open on a paypal account that I did not open. Through SYNC bank. I have frozen all of my credits and closed the paypal account. I want this credit card to be closed and 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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am not liable for this debt of {$450.00} with ( I C SYSTEMS COLLECTIONS ) Account Number : XXXX | I do not have a contract with I C Systems collections, nor did I ever open up a credit card or use services in the amount of {$450.00} with the original debtor. I am in no way shape or form responsible for the debt.They have been falsely reporting this debt on my consumer credit report. They have failed to provide proof showing the debt belongs to me nor did they ever provide me with the original contract as I requested my wet signature and ID verification.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 U.S.C 1666. I would like this removed from my credit consumer 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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I cashed a check for my brother and they trying to close my account because they cant verify his phone number and I did everything possible including going to chase with him our birth certificates and everything and they still wouldnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit 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