vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: U.S. BANCORP
State: GA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

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 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
I have been a victim of a massive identity theft. This is just XXXX of the XXXX institutions they used to attach my banks and credit cards to third party apps and completely wipe me out... This has been going on for a year now and can't get help from anyone so I have been forced to go this route. I have the police report, the FTC REPORTs along with having to freeze my credit etc... Please help me?!! ; please

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 2024-01-07 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries in 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 2024-01-07 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unauthorized charges were made to the following accounts : XXXX XXXX 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 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I keep getting a text message from TrueAccord a debt collector tell me to click the link to view my account information which I never click link that could be a published scam website or a site that could upload a virus on your device and damage it I have reply STOP and I am still receiving the same text message after i hit stop and then they called me and I didn't answer I let it to my voicemail box I hit play on my voicemail box to see what the message was and they say they are a IRS debit collector agent and threatening me say i owed them money or they are going to send a IRS XXXX to my house and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX CA XXXX XXXX XXXX Hello, My Name Is XXXX XXXX XXXX. The problem is Originator of my XXXX 4 % percent FHA HUD HOME LOAN Acquired and closed XX/XX/2013 CA XXXX provided by XXXX XXXX XXXX XXXX XXXX ID XXXX, TAX ID XXXX NMLS ID of XX/XX/1028XX/XX/XXXX XX/XX/8400XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Agency Case XXXX XXXX which PMI Condition of the loan 138 month of PMI Lenders Case No XXXX Loan amount XXXX Section of the Act for HUD cases XXXX. loan is missing from all three Credit Reporting Agencies XXXX, XXXX, XXXX. My Mortgage Loan was Transferred Sold to XX/XX/XXXXXX/XX/1153XXXX XX/XX/XXXX. XX/XX/XXXX Sold and Transferred My loan on XX/XX/XXXX to PennyMac Loan Services. 

PennyMac Loan Services will service loan starting ; XX/XX/XXXX. My Statements Has not been correct in 9 years escrow account analyst was consistently done too month early wrapping 2 month of previous year into the next years billing creating higher payments every year and PMI OR MPI is not do to drop from loan until after last monthly payment in XX/XX/XXXX has been paid which has not past yet to meet terms however PennyMac Loan Service has dropped PMI violating terms and conditions of the loan. I have requested on several occasions the tracking and payments made to FHA HUD that is collected and provided on FHA HUD CONNECT that print out of PMI paid tracking by servicer PennyMac Loan Services They have never provided the Legal FHA HUD CONNECTION PROOF OF PAYMENTS OF PMI. I looked on the FHA HUD WEB SITE to see my home standing because all FHA HUD HOME LOANS ARE LISTED I never refinanced my loan. My home located at XXXX XXXX XXXX XXXX XXXX CA XXXX loan provided by XXXX XXXX XXXX XXXX XXXX ID XXXX, TAX ID XXXX XXXX ID of XXXX XXXX XXXXXX/XX/1028XX/XX/XXXX, KS XXXX Agency Case No.NUMBER XXXX which PMI Condition of the loan 138 month of PMI Lenders Case No XXXX Loan amount XXXX Section of the Act for HUD XXXX XXXX is not present on FHA HUD WEB SITE which PennyMac Loan Services stopped paying PMI YEARS ago PMI is not due to come off my loan for another Year and a half but yet PennyMac creative billing has been sending false and incorrect statements for sometime. The Truth in Lending has been violated as well as my property rights have been violated as a homeowner. I ask from consumer affairs because of the blatant act of violating terms and conditions I ask DEED AND TRUST PAID IN FULL. 
Collectively all credit Reporting Agencies has a part in this Mortgage Fraud That I have been Subjected too and need to be accountable for this. All Mortgage Loans stay on your credit for the life of loan 30yr, 15yr and or 10yr transferred, Paid in full and or refinance that too keep track and elevate Mortgage equity Theft and Mortgage Fraud. 

Thank You. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a debit card, via mail, from Chime despite never applying for an account. This approximately occurred on XX/XX/2024 ( I did not go through my mail until the evening of XX/XX/2024 ). 

My credit has been on fraud alert for over a year, so Chime should have verified with me before opening the account ( which they have not ). 

I sent an email to Chime support, asking to closing the fraudulent account, and provide confirmation once complete. This was sent early XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: VIAL FOTHERINGHAM
State: OR

Complaint narrative:
I got a phone call from an ex girlfriend saying she was being garnished because I didnt pay my HOA dues. She sent me the name of the law firm that was trying to contact her and told me I was being charged daily interest on over {$5000.00} worth of hoa/lawyer fees. As I havent lived in that house this was news to me. So I called vial & f othering ham for two weeks. TWO WEEKS. I left voicemails, was sent to debt collectors who had full voicemails which made it impossible to leave XXXX  and left voicemails to the ones who werent full. I finally refused to get off the phone until I spoke to someone. She told me she was on vacation and asked if I had ever heard of it. I didnt even understand what was going on. They were charging me $ XXXX of dollars without me even knowing it. Without XXXX  my name to find my address. Or my email. Or my phone number which are all public. Or going to the dmv to find out which state I lived in. Anyway, the debt collector told me she didnt care that I was being charged daily interest while she was on a two week vacation. So I XXXX  the firm. Their reviews are littered with the same thing. They run up the amount of money people owe them without them knowing, and then they dont pick up the phone or call people back when they call in to make a payment. It seems highly illegal to be a debt collector whos responsibility it is to collect debt, and then not be available to collect the debt when people WANT to pay it. All while making interest daily. That seems like the best business in the world. Get a court order, collect interest daily, and never return their calls. Every day they were making money by not returning my calls or emails. All while adding insanely inflated {$400.00} charges and not giving my the ledger showing everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name:XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXAccount name : XXXX Account name XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX Account name  : has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account XXXX Account name : 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 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing to address an issue with my account, which currently holds a balance of {$210.00}. Recently, I was requested to upload my National Identification Card for verification purposes, which I promptly did. Despite adhering to the one business day waiting period for processing, my account has unfortunately been limited instead of approved. 
As a professional working with a registered company, XXXX XXXX, I am concerned about this unexpected limitation. I must understand the specific reasons behind this action. Furthermore, the prompt resolution of this matter is crucial as it directly impacts my financial transactions. 
Therefore, I request a detailed explanation regarding the limitation of my account and urge for a swift resolution to regain full access to my funds. Your prompt attention to this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2024-01-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have information on my credit score that I did not sign up for. There are inquiries for loans that I did not sign up for. I have all of the information I can send you pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm Disputing all of theses inquiries. I haven't completed a security 's collateral application with these corporations.

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 2024-01-07 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: MA

Complaint narrative:
These inquiries was pulled with out my permission or consent. Please help me remove/delete. 
XXXXXXXX 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 Under 15 USC 1681b , credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA 15 USC 1681Q-Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

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 2024-01-07 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: SC

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under XXXX XXXX XXXX. XXXX section XXXX says " | have the right to Privacy ''. XXXX XXXX XXXX section XXXX A section XXXX " It also states a consumer reporting agency can not furnish an account without my written instructions ''. 
Under XXXX U.S.C XXXX B " A creditor XXXX not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

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

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