vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
On or about XX/XX/XXXX, Affirm placed XXXX ( XXXX ) Notice of XXXX XXXX on my XXXX credit report. I contacted Affirm on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by Affirm on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from Affirm and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which XXXX indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on XXXX, which Affirm charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me Affirm did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my XXXX credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-14 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: OH

Complaint narrative:
I have unverified accounts listed on my credit reports I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request a Cease and Desist of all further communications and collection activities and provide the verification of the purported debt for the following : 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 explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CAPITAL ONE Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening : XX/XX/XXXX Open/Closed Status : Closed Status Update : XX/XX/XXXX Account Type : Revolving Status : Charge-off Balance : {$460.00} Balance Update : XX/XX/XXXX Credit Limit : $ 300 Monthly Payment : - Past Due Amount : {$460.00} Responsibility : Individual Account I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " XXXX '' and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind XXXX of the stipulations within the FCRA, notably : XXXX XXXX XXXX Section XXXX A : This section highlights my right to privacy and the necessity of accurate credit reporting. 
XXXX XXXX XXXX Section XXXX A Section XXXX : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
XXXX XXXX XXXX : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that XXXX will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: NY

Complaint narrative:
XXXX. A relationship was established with merchant XXXX with a reoccurring monthly billing of {$2.00}. The only authorized email for use with any and all of Podomatic services is the identical email used for PNC financial services. Notwithstanding the same, it came to my attention on XX/XX/2023 that XXXX has been sending credit card, invoice, and other information to the XXXX address XXXX which address has been flagged for fraudulent activity and is not authorized for use neither with PNC nor XXXX. 

XXXX. PNC employees/workers/contractors, etc., what have you, engaged in criminal activity have been sharing such information, apparently, to advance fraud and identity theft via the capture of credit card and account information. It was my intent to cancel Podomatic services prior to this recent billing on XX/XX/2023, which I intended to do upon receipt of the XXXX ( XXXX ) day notice of billing in advance by XXXX. I was precluded from doing so, as it appears that PNC employees/workers/contractors, etc. colluded with XXXX to send the billing notice and actual billing/receipt info to the expressly forbidden XXXX email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX SER Date of Inquiry XXXX  & XXXX  Date of Inquiry XX/XX/

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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I signed a contract with us auto sales. Every payment i ever made is gone. They transferred us over to westlake with the same contract we originally signed basically starting our contracts all over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: OH

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 and 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 2023-08-14 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: NY

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 and 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 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
We are customers of PNC Bank. PNC Bank obtained our mortage when they bought National City Bank in XXXX. 

Our property/mortgage is the center of a Michigan XXXX Police investigation involving millions of dollars in real estate fraud and mortgage fraud. PNC became directly involved in the scheme when the individual under investigation contacted PNC and was able to obtain our personal and loan information from PNC in XXXX XXXX. 

We believe the fraudster was able to acquire the local taxing authorities ID number and used this number to obtain access to our loan information. 

We had been in contact with PNC numerous times for a year prior to this breach of our personal/loan information informing PNC of XXXX ongoing real estate/mortgage fraud investigation involving our property. 

In XX/XX/XXXX based on the false information provided by the fraudster at the center of the XXXX XXXX PNC initiated an escrow on our mortage more than doubling our monthyly payment. 

PNC did not reach out to us at anytime prior to altering our mortgage with the escrow account. 

XX/XX/XXXX, following months of XXXX PNC reversed our escrow and returned our monthly payment to its original amount. 

In XX/XX/XXXX, we obtained a court ruling that prohibited the foreclosure of taxes on our property due to the taxes being fraudulently assessed. 

Our attorney had been in contact with PNC prior to this XXXX proceeding and following. 

PNC was provided the Court Order in XX/XX/XXXX. 

In XX/XX/XXXX PNC filed a civil law suit against us requesting that we reform the legal description in our mortgage due to a mutual mistake. The incorrect legal description in our mortgage is not due to a mutual mistake. It is the result of the real estate/mortgage fraud scheme involving our property and under investigation by the Michigan XXXX Police XXXX 

No different than the taxing authority being prevented from foreclosing in XX/XX/XXXX due to our erroneous legal description, PNC can not foreclose our mortgage because of the incorrect legal description. 

In the Civil litigation we have attempted to obtain the information regarding the contact betweeen PNC and the fraudster. PNC is refusing to produce this information causing us increased litigation costs and delays. 

In XX/XX/XXXX, PNC was served with a search warrant by the Michigan XXXX Police. They have failed to produce the information requested. Further delaying the criminal investigation. 

PNC is reporting monthly to credit bureaus the deliquency on the invalid mortgage on our property. It has destroyed our credit score. 

PNC prides itself on preventing mortgage fraud but when caught in a mortgage fraud scheme instead of assisting the victims ( their client ) and the investigators they are chosing to obstruct the criminal investigation and pursuing civil litigation instead against the victims of the mortgage fraud scheme - their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: VA

Complaint narrative:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: World Omni Financial Corp.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-14 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( Experian, XXXX and XXXX ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.

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