vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.

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 2022-03-30 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: CARD Corporation
State: OK

Complaint narrative:
On XX/XX/22 XXXX XXXX XXXX XXXXharged my card XXXX for services I never had I filed a dispute on XX/XX/22 it was closed I sent in documents from the company to CARD.com on XX/XX/22 and my case was still not reopened or even look at again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Paramount GR Holdings, LLC
State: RI

Complaint narrative:
Hi I'm XXXX XXXX. In XX/XX/2021 I was approached by an individual named XXXX XXXX XXXX # XXXX who worked for XXXX XXXX. He claimed that his company can install solar panels on my house with no cost to me. When I ask for the contract he told me not to worry, he would have it sent to me. He said before we proceeded he would need to verify my credit and for that he would have me sign something electronically. At first I was reluctant but he told me, don't worry that's just so he can pull out my credit. After that he stop by my house a couple times but still didn't bring me the contract. One day he told me that I was qualified for the system and the company would come to install the panels, which happened a little after. It was after the installation that they decided to send me the contact on which they COPY and PASTE that one signature on every single pages. I was upset and find out that I now own a {$49000.00} loan from ( GOODLEEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was never aware of a loan, it was never presented nor discussed to me. So rightaway I was for the solar panels to be removed and for the contract to be eliminated but they refuse. So now they trying to sue me and garnish my credit even though they're wrong. I also have to mention that I have been harassed by two separate companies for the same loan. One day it's GOODLEAP another LOAN PAL to which I started making payments. They never provided me a receipt with a balance so I stop making payments i think they're scams and doing fraud. They were planning to lock me in paying them for life without any records of the payments. I hope they can be stopped because they are doing FRAUDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MS

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and 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 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 2022-03-30 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: VA

Complaint narrative:
I tried to dispute with transunion and was unsuccessful they did nothing

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 2022-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have a complaint about the customer service I received from pennymac and the processing the underwriter use to approve a loan. This started on XX/XX/22 I received a call from pennymac and this wasnt the first time called to say there going to help lower the payment. So I speak with the agent give me all this great information on lowing payment and I wasnt sure if I should trying knowing I have credit card I want to pay down so I was thinking it could be great to take cash from my home to pay on my bills and fix my home up more so I started the application with the agent and they run my credit he stated your card balance of high but I think there something we can do I pay to get appraisal of the home that was looking good and give all my income information and they first gave me options to do to help income debt then I advise hey Im co borrower on a auto and they make payment send that to then I was so hopeful I can pay my debt fix up my home for me and my family and they then state cant remove we need 12 months of payment and that 4 months away and I ask the agent to please help he advise Ill call you back and a weekend and 2 days later I had to call them so now because Im four months of and I dont have assets I can get approve this made me feel so defeated like how your trying to help me but do everything to try not to approve me I havent cried so hard in my life they need to stop building people hopes up just to destroy them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: CA

Complaint narrative:
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I am trying to get a replacement title for my vehicle to sell it. The vehicle was paid off with BBVA Compass Bank in XXXX of XXXX. In XX/XX/2021, the bank merged with PNC bank and now they have no records of my past account. I have to have a lien of release OR a statement from the bank stating they have no interest in my vehicle and PNC is refusing both. They can not find any of my account information so they are refusing to even write a statement. I can not get a new title for my vehicle without one of these two items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-30 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: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-30 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2022-03-30 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: VA

Complaint narrative:
Equifax hasnt properly verified fraud on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery XXXX. 
Reporting Opened XXXX. 

Account was charged off By XXXX XXXX  XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting. 

I called Dispute department at Portfolio on recorded line. Told he the issue. 
She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 I received a Chime card in the mail ( card number XXXX XXXX XXXX XXXX ). 

I have never heard of this company and never requested to open account. It is impossible to reach anyone via phone so I sent an email. Within 10 minutes of sending the email I received a response the account was closed. 
The next day, XX/XX/XXXX, I received another email stating it was confirmed as identity theft. 

On XX/XX/2022 I received a second Chime card in the mail ( card XXXX XXXX XXXX XXXX ). I immediately sent another email about the second fraudulent account. Response was again very quick stating they were transferring my email to a specialist for review. 

Since the last email I have made several attempts at follow up with no response. 

I need confirmation first of all the second fraudulent account is indeed closed. Secondly I request that my information is flagged in their system so any attempt at opening new account is known as fraud and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MS

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-30 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: MS

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-30 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: FL

Complaint narrative:
XXXX XXXX Dept of ED continues to report accounts to my Transunion credit profile. I have recently filed complaints against Transunion for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed Transunion to report this account to my profile. My report never showed XXXX on it. Prove to the government that I signed off on a loan with XXXX with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand Transunion & XXXX delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer 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 2022-03-30 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: MA

Complaint narrative:
Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate late payment. Delete this account Because Experian is reporting XX/XX/2020 as 30 days late, XXXX and XXXX are reporting as paid on time. This is a violation of XXXX XXXX standards as Experian claims to have already investigated the accuracy of this account. Delete for violation of section 623

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