vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
My wife had bought a {$25.00} Vanilla Visa Gift Card on XX/XX/XXXX from our local gas station. I called the number on the back of the card to set up a pin number for it and when I first called the automated service said my balance was {$25.00} but after going through the process of setting up the pin the automated service said that my balance was {$0.00}. I immediately called the number on the back of the card explaining what had happened and they said that there was a pending charge for {$25.00} for some company that I've never even heard of. They said that I would need to call back the next day so the charge wouldn't be pending and we could dispute it. I called the next day and they started saying someone else is claiming they own the card which I didn't understand how when I have the card, packaging and, receipts to show that my wife purchased it with my wife 's debit card. The lady I spoke to said the I would receive an e-mail to fill out and send back with my proof and as of today XX/XX/XXXX a little over 2 weeks later and 11 phone calls, I still have not received the e-mail nor any resolution. I keep getting told that I will get an e-mail in 7 DAYS to fill out and send back along with my proof of purchase ( which I still haven't received ) and then another 90 DAYS to investigate. I've NEVER heard of taking this long. My wife 's bank doesn't even take that long. Every person ( I'm pretty sure it's pretty much 1 person but changes their name each time ) that I've had contact with has been very unprofessional and, I kept getting lies after lies and being put on hold for over 45 minutes then someone disconnecting our call or just deliberately hanging up on me. This is definitely not how you treat customers. I do know this : Once this is settled I will NEVER purchase another card through NOR recommend them to anyone. Very poor service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: I.A.C. INC
State: CA

Complaint narrative:
****Creditor states I made a payment on this loan on XX/XX/2021. This is false, inaccurate, and fraudulent. I am not responsible for this debt****** My next step is legal action if these fraudulent accounts are not removed from my credit profile within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00}

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Credit karma lied to me. I am a victim of credit karma. I been with them sine 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports  : XXXX XXXX : {$4100.00} XXXX  XXXX : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Experian Credit Reports and need to update immediately : XXXX XXXX Balance Owed : $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Im unable to make a payment or unable to submit my payment. I was told I had a late payment and they trying to avoid foreclosure and help Im not struggling to make a payment and I never miss any payments. They were transferring to contact the team unable to reach them. The branch bank manager are not able to fix the problem, the agents are unable to fix too. I was discriminated and threatened because of my previous complaints. Im still making my payment and due to Covid the offer me 6 months deferral and they are using that to attack consumers ( me ). I would like to remove my deferral amount immediately.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I have noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is XX/XX/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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I have noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a Natural Person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. 
Time after time violating me. I Ask and demand the following accounts listed below to be remove because according to 15 USc 1681. I have right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a robo-signed letter with another legally invalid [ fraudulent ] " Payoff Statement '' which again lacks any names of my alleged " creditor '' ; or any names of any employees of my alleged " creditor '' who was authorized to prepare this Statement ; and who actually prepared this Statement or who will receive my money This Statement must be updated according to the law. I DEMAND THE NAMES AND CONTACT INFORMATION FOR EVERY INDIVIDUAL EMPLOYEE WHO PREPARED THIS PAYOFF STATEMENT AND WHO WILL RECEIVE AND PROCESS MY MONEY. 

I want to make another good faith attempt to resolve this situation and make a payment to my alleged Creditor- if it exists and owns the account receivable for my alleged " loan '' which I want to repay. 

I offer to drop all of my inquiries and challenges and make a FULL PAYMENT ( by personally delivering my money in certified check to the authorized employee of my alleged Creditor ) if an officer of any business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

This requests is based on XX/XX/XXXX official admission that my money are actually collected by XXXX XXXX XXXX XXXX - while another company -PennyMac- XXXX to be a " Servicer '' who does not perform any Servicing functions that so ever, since the billing statements and correspondence is sent to me by XXXX, XXXX XXXX 

I do not know who received my money since XXXX has no records about any of my " transactions '' with XXXX, XXXX or XXXX ( since it was none of them ) and XXXX XXXX  who suppose to get my money ) deny its involvement. See attached. 

During all time in question all my money were deposited by XXXX on XXXX XXXX XXXXXXXX 's account - whose owner is unknown to me. PennyMac was not even mentioned in these transactions at all. 

Now I am directed either to wire my $ XXXX to XXXX XXXX XXXX - whose " home lending executive team '' can not confirm that this account is owned by PennyMac ; while XXXX XXXX once again confirmed that they have no records about any payments made on my behalf in XXXX by XXXX or XXXXXXXX XXXX or anyone else. 

Moreover, XXXX XXXX is now asking ME to provide them evidence of payment on my behalf! 

Bear to repeat, XXXX has no records about this transaction at all- since here was no transaction. 
I repeat my request : I will make a FULL PAYMENT, by delivering my money in person to the authorized employee of my alleged Creditor if an officer of ANY business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being removed

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A bankruptcy was filed in XXXX. I was a Victim of identity theft and was unaware until XX/XX/XXXX. I have provided court documents to all three bureaus with no resolution. I would like to know that this attempt actually results in this item being removed

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