vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX credit card information was stolen in XXXX and criminals used the information to spend over {$10000.00} at different stores. I was in fact in XXXX at the time. When I finally became aware of the matter I immediately contacted the credit card company but the case was already forwarded to Portfolio Recovery Associates LLC, a debt collection agency based in XXXX XXXX XXXXXXXX. I submitted abundant documents and the police report to the company and explained to them that I was a victim of identity theft, but to no avail. They reported it to the credit bureaus and I was immediately affected by the negative credit report. To make matters worse, the company 's reps kept writing and calling me on many occasions since XXXX and the most recent call was on XX/XX/XXXX. They have used many different phone numbers to disguise their calling ID. I have written down a few numbers they have used to harass me : XXXX ; XXXX ; XXXX, etc. Despite my protests of their calls, they simply ignore my pleas and have kept calling and harassing me. I told them to commence a lawsuit against me if they honestly believe that I owe them the debt, but they never did. They just employ the meanest tactics on their books with the hope that I surrender to their evil wishes. I will not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2024-05-01 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I AM AGENT AND NAME HOLDER AND RECEIVER FOR XXXX XXXX XXXX AUTHORIZED TO MAKE THIS COMPLAINT IN GOOD FAITH FOR TRUTH IN COMMERCE AND EQUITY. THE TRUTH IS NFCU IS IN DISHONOR. REPORTING AND MAKING FALSE CLAIME SOLEY TO STEAL. NFCU IS STEALING AND NOT CREDITING ACCOUNT. NFCU IS BLOCKING TENDERS AND IS IN FACT COMMITTING SECURITY FRAUD AND ESTATE THEFT. NFCU HAS STOLEN MY IDENTITY AND USED IT FOR OWN BENEFIT. NFCU HAS USED MY INFORMATION FOR PRIVATE PROFIT AND GAIN. NFCU STOLE MY APPLICATION AND DID NOT GIVE ANY CONSIDERATION FOR THE APPLICATION. NFCU STOLE MY PROMISSORY NOTE AND DID NOT GIVE A CASH EQUIVALENTS. NFCU DID NOT LOAN ANY MONEY AND IS SCAMMING ITS CUSTOMERS. CFPB IS CONSPIRING WITH NFCU TO GET OVER ON CUSTOMERS. CFPB DOES IN FACT KNOW THE CONSUMER LAWS AND IS ALLOWING CORPORATIONS LIKE NFCU TO COMMIT FRAUD ON THE PEOPLE. HOW CAN YOU KNOW THE LAWS AND ALLOW SOME TO BREAK THEM. THE SAME POWER YOU HAVE TO DO WRONG IS THE SAME POWER YOU HAVE TO DO WHATS RIGHT. TO THREATEN TO STEAL SOME ONE PROPERTY WHEN YOU LOAN XXXX DOLLARS, INVESTED XXXX DOLLARS MADE MILLIONS OFF THE ACCOUNT AND STILL TRY TO STEAL MORE. ITS A CLEAR CONSPIRACY TO ENSLAVE THE PEOPLE. DO YOU CARE CFPB? 
Father, we thank you that we can decree a thing and it shall be established. In the name of XXXX, we join our faith and declare that we are debt-free miraculously in seven days! We declare that the spirit of debt is destroyed in our lives by the anointing and that all grace ( every favor and earthly blessing ) comes to us in abundance for miracle debt cancellation. We decree that the blessing of XXXX is on us and wealth and riches are in our house. We declare that the wealth of the wicked is being transferred into our hands now and we owe no man anything but love. Father, thank you for a bountiful harvest on the seeds that we have sown. We hold fast to our confession of faith without wavering and declare that the Son of God has made us free from debt miraculously and we are free indeed! In XXXX  Name, Amen! 
All Rights Reserved without prejudice. 

If this gets treated as duplicate, or ignored, or closed without honor shows and proof of conspiracy and proves my point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-01 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-01 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: OK

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 explanation
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-01 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: MD

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>. However they are reporting this late payment is inaccurate. I sent a letter to fix this problem but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate. But they did not, This is a violation of my federal right. Can you help with this matter. Thank You I sent a certified letter on XX/XX/year> with a letter my rental agreement, social security card and a bill. tracking number is XXXX XXXX XXXX XXXX XXXX XXXX from USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I am 100 percent sure I paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/23. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-01 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I am 100 percent sure I paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/23. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I made an instant transfer for {$450.00} from PayPal to XXXX. I unfortunately selected the wrong active card with XXXX. I haven't used my PayPal account in a while with XXXX  since my last account was closed in XX/XX/XXXX and i forgot to remove it prior. Somehow even though the account has been closed for a year plus instead of blocking the transfer, it still got processed. Both instutions claim it should of bounced back within 3 to five business days to paypal yet its been 20 + and still no money on either end. PayPal maintains it was successful and gave me a reference/ trace numbers claimed XXXX is the one to pay me back and XXXX who at first couldn't see my old account to they could see it but couldn't access the transactions, to they could access the transaction, but claimed there were no transactions on that date or time stamp and that PayPal should be the one to reimburse me. I still don't have my funds back so I'm reporting them both PayPal and XXXX for theft. I also want to point out PayPal made me remove the old account just incase they claimed they can ' t see the card now. I got proof and pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I attended XXXX  school at XXXX XXXX XXXX in XXXX in XXXX and attained an XXXX loan at a high-interest rate. The school has been closed since then, and the degree was not utilized as I couldn't make any money in the field. Since then I have made payments but the loan was still at $ XXXX with no dent. 7 months ago, the loan payment went up to {$600.00}, and I couldn't afford it, so I stopped paying. Navient has been contacting my coworkers and employer to determine work, embarrassing and humiliating me at my place of work. I finally spoke with them and they wanted to settle with me paying $ XXXX in full. The lenders they sent me would only provide a loan at 34 % APR. I can't afford that. Now, they have started emailing my employer again. I live in NC, and I believe as they are a private lender, they can't get this information from my employer, nor can they sequester my paycheck. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello I sent a letter to all 3 agencies plus XXXX XXXX about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.

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 2024-05-01 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: OK

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 2024-05-01 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: OK

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Company representative strung us along 36 days promising he would get our mortgage at the terms we were pre-approved for. We provided documentation supporting our stated income. They denied two of our sources of income, cut the mortgage by {>= $1,000,000} dollars and said we had to have {$200000.00} down or go somewhere else that would accept our income as stated. They de-activated our application before the end of the active period. We went to another lender and got approved in 10 days. They would not co-operate on transferring the appraisal. We had to pay for a second appraisal. Attempts to contact Client relations by phone and e-mail were ignored. Upon finally reaching them, they promised to resolve appraisal issue in 2 days or refund the fee they charged us. Havent heard anything.

Company response to consumer: Closed with monetary relief