vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
Requested a debt validation from Pennymac mortgage with the assignment contract. They never gave consideration or signed the note voiding the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CL Holdings LLC
State: CA

Complaint narrative:
I have reach out to XXXX XXXX XXXX XX/XX/2024 by phone at XXXX to asking them to verify this account and they are refusing to validate this collection I was told that I needed to have the full account number in order to get information about the account but I am unable to provide them the whole account number because on my credit report is only showing XXXX out of XXXX digits I also asked who I needed to contact to obtain the full account number and I was told that they didnt know they are illegally reporting on my credit report I have no contacts with this company and they are refusing to provide me with any information about this account. 


I reached out to XXXX XXXX XXXX XX/XX/2024 at XXXX and the person whom I spoke with at refused to give me a name and hung up in my face once I told them that I was calling to verify an account and gave her my account number and a called back at XXXX and spoke with someone else and was told that they could not give me any information about the account unless a gave my full social security number I told them that I wasnt comfortable with doing that because I dont know who the company is and if there was any other way that I can verify this account and was told no and the phone was disconnected once again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
Ive found unauthorized inquiries on my credit report, which violate 15 USC 1681c-2. These errors are harming my credit. Please remove all hard inquiries I did not approve.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a charged off account with Navy Federal back in late 2023. They took out funds from my checking account a couple times then discontinued from taking funds out. They reported the credit cards as charged off it shows on all my credit files. Now two years later they took more money out of the account and said it was for the charged off credit cards but have not updated any changes on my credit files. If they are allowed to keep taking money out of my checking and savings account with they did, why are they not required to report any changes to that account with the credit bureaus? I don't know what to do because they will not give me back my money and will not report the amount that they have taken from me as a payment on the charged off account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are accounts on my credit report that I dont recognize and suspect were added fraudulently. Kindly take steps to block and delete them.

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 2024-12-10 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: SC

Complaint narrative:
My credit report includes unapproved hard inquiries contrary to 15 USC 1681c-2. These errors are impacting my credit score, and I request immediate action to remove them.

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 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
Dear [ Transunion ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 
Account Name : XXXXXXXX XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure maximum possible accuracy of the information in a consumer 's file. Specifically, Transunion is reporting 30-day late payments for XX/XX/2023, while XXXX is reporting 30-day late payments for XX/XX/2023. These inconsistencies suggest inaccuracies in the reporting of my payment history. I request an immediate investigation into these discrepancies and demand that any incorrect information be corrected PAID ON TIME in accordance with my rights under the FCRA. Please provide the results of your investigation, along with an updated copy of my credit report, upon completion. 
Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. 
Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by [ Transunion ]. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.

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 2024-12-10 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquires : XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXXXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquires : XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-10 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I checked my credit report and noticed that there are a lot of inaccuracies on my credit report. According to 15 USC 1681a ( 4 ) a ) Accuracy and fairness of credit reporting, 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please fix all my personal information and correct it from my credit report. My name that is on Experian right now is XXXXXXXX XXXX XXXX which should not be like that on there it should ONLY REPORT : XXXX XXXX XXXX. On XXXX it is reporting wrong as well which it says currently : XXXX XXXX XXXX which is wrong it needs to say : XXXX XXXX XXXX. My address reporting on Experian is currently WRONG AS WELL : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, this is the correct address that needs to be on their ONLY : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX. XXXX its reporting wrong as well : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX. XXXX Correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. XXXX it also has the wrong address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, the Correct address is : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. All Previous addresses must be DELETED IMMDATELY. My employer on XXXX is reporting wrong also : XXXX XXXX XXXX, the CORRECT ONE ONLY SHOULD BE REPORTING IS : XXXX XXXX XXXX. Experian is also reporting the wrong employer : XXXXXXXX XXXX the CORRECT ONE IS : XXXX XXXX XXXX. XXXX is also reporting the wrong name as well : XXXX XXXX XXXX, THE CORRECT EMPLOYER IS : XXXX XXXX XXXX. PLEASE FIX ALL MY PERSONAL 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
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint against Capital One for failing to honor their written commitment to remove an account from my credit report, as promised in a letter dated XX/XX/2024. 
Details of the Issue Capital Ones Commitment : On XX/XX/2024, Capital One sent me a letter stating they would remove an account from my credit report. Despite this commitment, the account has not been removed as of XX/XX/2024. 
XXXX Update on XX/XX/2024 : Instead of removing the account, Capital One updated the account with a " charged off '' status and an updated balance on XX/XX/2024, as reflected on my XXXX credit report. This is contrary to their stated commitment to remove the account entirely. 
Actions Taken : On XX/XX/2024, I contacted Capital One to dispute the continued reporting of this account. They initiated a dispute but have not resolved the matter. 
I have also contacted XXXX multiple times and provided a copy of Capital Ones letter, yet XXXX has not removed the account from my report. 
Impact on Me Capital Ones failure to remove the account as promised and their subsequent update of the account to reflect a " charge off '' status is misleading and inaccurate. This action is negatively impacting my credit report and potentially my credit score, which could affect my financial opportunities.

Request for Resolution I respectfully request the CFPB to : Investigate Capital Ones failure to honor their written commitment to remove the account.

Require Capital One to immediately remove the account from all credit reporting agencies as originally promised.

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) regarding accurate and timely reporting of credit information. 
Attached Documentation I have included the following supporting documents : A copy of the letter from Capital One dated XX/XX/2024, promising to remove the account. 
A copy of my XXXX credit report showing the updated " charge off '' status as of XX/XX/2024. 
Capital Ones actions and inactions are causing unnecessary stress and harm to my financial standing. I trust the CFPB will help ensure compliance with applicable laws and protect my rights as a consumer. 
Thank you for your attention to this matter. I am available to provide additional information or documentation upon request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief