vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I took out a loan with this company for {$2000.00}. In order to receive the loan, they used my vehicle as collateral, this then caused me to have to start completely over with my vehicle at {$13000.00} when I initially only owed {$4000.00} more to pay off my vehicle. The vehicle is now currently worth {$5000.00}. I never missed a payment with this company and have made all on time payments. The car still cranks but has an issue with it, I talked with them the day after making my payment so that there was plenty of time before my next payment was due. The company is refusing to pick up my vehicle as collateral and has now applied the full balance not including what I've already paid to my credit report. I am disputing an incorrect amount as this is affecting my credit score by causing my debt to be a high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including XXXX, Trans Union, and XXXX from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA 807 oh, really15 USC ( e ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.

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 2024-03-02 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: NY

Complaint narrative:
This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including Experian, XXXX XXXX, and XXXX from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA XXXX oh, XXXX XXXX XXXX XXXX ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal XX/XX/year> loan was applied was not approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: LA

Complaint narrative:
No longer to provide properly for myself. Because of my ailing XXXX  years old health condition, I can no longer work to provide for my needs. I can not meet the obligation of making timely payments as my lost income hindered any progress for me. I wrote and called and explained this problem and asked if they would help me. Any consideration you give this matter will be greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$960.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: IN

Complaint narrative:
I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX  XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the second time in 6 months my account has seen fraudulent activity. The previous times my account had money taken and I was told it appeared my checks were used by a person affiliated bank. My account was closed and a new account was opened and new cards issued. Then this week the same thing happened to my account. The bank lost another {$4200.00}. Again no one in the bank notified me of these fraudulent transactions, I noticed them in my account and contacted the bank. During the call I noticing XXXX  fraudulent checks pending, I asked them to stop the transactions and was told they would allow them to clear as the money in my account was already withdrawn. I was then told since its the weekend it will be another 2 days before the investigation will begin and it will take XXXX before I see any results or repayments. Since this account is used for paying bills I run the risk of over drafting as they did not freeze the account. No one seems willing or able to make this an urgent matter, protect the money still in my account or help me in a way where I am not out XXXX for the next few weeks.

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 monetary relief
Consumer complaint received 2024-03-02 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: Kashable LLC
State: IL

Complaint narrative:
To whom this may concern these account are not mind this fraud I ask for proof and no one never responded back several times can you please have these companies verify all my information far mt signature and a picture my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  Account Number XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX. However, I am disputing this debt for the following reason ( s ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
I received my first collection notice by mail from IQ Data International on XX/XX/year>, this notice stated that I owed XXXX XXXX a balance of {$980.00}. The notice also mentioned that I had the right to dispute the charge by responding to the notice by XX/XX/year>. The next day, XX/XX/year>, I mailed my dispute to IQ Data International to ensure that the company received my notice before the set deadline. One week later, on XX/XX/year>, I received a notice from XXXX that IQ Data International INC. had posted the balance in collections on my credit report. I contacted IQ Data on XX/XX/year> to discuss the account and explain that I mailed in my dispute and that I had until XX/XX/year> as stated on the notice. The representative stated that the only way to remove the collection account from my credit would be to pay off the entire balance immediately. IQ Data International has improperly reported a debt to a credit reporting company without meeting the obligations under the Fair Debt Collection Practices Act. The company never responded to my dispute and within a week of receiving the first notice, IQ Data wrongfully posted the balance on my credit without allowing me to discuss the matter with a representative or even set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
i recently reviewed my credit report and i noticed there were in inquires and a account XXXX XXXX XXXX which i did not apply for or give authorization to so i called the CRA and bureau and asked to get them removed because i did not apply for this account and it does not belong to me and they both told me they can not remove it even understanding the circumstances which violates my consumer rights under XXXX XXXX XXXX ( c XXXX Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries ; except as provided in section XXXX XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want these items removed ASAP because it had a negative impact on my report the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Ive received a complaint marked as duplicate response regarding XXXX. 
Ive recently sent a debt validation letter which has been inadvertently denied any valid response. 
Under the Uniform Commercial Code 3-204, the name and the signature of both the beneficiaries and the original creditor must be disclosed in the same document. 3-204 ( d ). The signature of the borrower must be included as well as into the assignment or the transfer ; unless a clause in the deed of the XXXX/mortgage waives it.

Ive attached a Notice to Dispute for acknowledgment. 

Pennymac has failed to honor my request for internal audit. XXXX XXXXXXXX request. 
I am asserting PennyMac Mortgage Investment XXXX  to Release property from Escrow. Furnish XXXX. 

I am now demanding Revocation of Security Interests and Settlement in Closing in exchange for My security interests and proceeds.

I understand I have been late for the past few months in payments. Ive made two good faith payments through the hardship, and continue to request your assistance in completing remedy for relief.

Yet Ive learned after 60 days, my servicer becomes a debt collector and is governed under the Fair Debt Collections Practices Act. Pennymac is no longer the original creditor, they are continuing to buy and sell non performing non secured debt, Violation FDCPA U.S.C. Title 15 Section 1692.

At this stage Im seeking arbitration and monetary relief for all violations under TILA/RESPA, CFR, US Codes , FDCPA, FCRA. Please provide me with the total amount from the itemization of the loan disbursements, the loan charges, the current principal balance, and all payments received from me, so that you may compensate the exact amount needed for tender.

Transfer Agent Duties : The transfer agent for a corporation is responsible for : ensuring that its securities are issued in the correct owner 's name; canceling old and issuing new certificates; maintaining records of ownership ; and handling problems relating to lost, stolen, or destroyed certificates.

PennyMac, XXXX XXXX, has failed to do so. 
Instead, theyre selling my financial asset unlawfully. 

I want us to work together the right way, towards stopping the deceitful practices. Ive asked kindly to show me who is the Holder in Due Course, and we continue to hit a rough patch, as Penny Mac is the servicer.

May you make it clear whether my loan has been securitized and if so whats the name of the XXXX my loan Is bundled with for verification purposes, aiming towards Penny Mac to stop selling my asset on the secondary market.

Company response to consumer: Closed with explanation