vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
XXXX XXXX ( XXXX ) account opened without my consent. 
Victim of Identity Theft fraudulent account opened without my consent. 
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX  -- -- - {$800.00} XX/XX/XXXX -- -- -- {$1100.00} -- -- -- -- -- -- -- -- -- -- -- {$2000.00}. TOTAL EXPERIAN CREDIT REPORTING AGENCY STATES XX/XX/XXXXXXXX  AND XX/XX/XXXXXXXX  ARE 60 DAYS LATE EACH XXXX XXXXXXXX XXXX AND XXXX HAS GIVEN ME ( XXXX XXXX ) CLAIM # XXXX ( CALLED ) AUD FOR CORRECTING A LOAN ( XX/XX/XXXXXXXX  ) I WANT IT DELETED ASAP!!!!! 
INACCURATE INFORMATION!!!!!!!

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 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Benuck & Rainey, Inc.
State: CO

Complaint narrative:
The company that originally billed me for a hand brace did not give me an adequate amount of time between my first bill and sending my account to collections to file an appeal and get a response from my insurance. Benuck & Rainey has a record of being shifty so it's no surprise to me that they handle their calls and treat people the way they do. Somehow lowering a {$310.00} bill to {$250.00} ( for a {$20.00} XXXX  ) just to make it go away is acceptable to them. Neither the brace company ( XXXX XXXX ) or the collections agency ( Benuck & Rainey ) will even consider that they are in the wrong. I never got to talk with XXXX about the bill after the appeal because instead of giving time for people to go through the processes they're afforded with their insurance, they would rather ship the bills off to collections where they can take full advantage of people and no longer be able to offer them a personal pay rate as opposed to the higher insurance rate. Taking advantage of people who got injured and charging almost 1500 % more for medical equipment because they can't go home without it as opposed to going to the store to get the same equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this this complaint on XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My sister passed away XXXX, XXXX. I'm her sibling and a court-ordered personal representative of her estate. PennyMac was advised of these facts in early XXXX. The law firm handling the estate faxed documents requested by PennyMac ( according to their instructions ), but they still refuse to provide me with loan details, mortgage amount due each month, and account access. Calling them does no good ; you just hit phone trees or get stuck on hold for a long time and then disconnected. PennyMac is now sending delinquency notice letters addressed to my deceased sister even though they've known for almost over two months that she has passed away and that the account is supposed to be taken over by her legal personal representative ( me. ) In these letters, they threaten to place the mortgage into default. 

I'm unable to bring the mortgage payments current because PennyMac refuses to finish processing my request, and it is becoming apparent that they are attempting to cause the loan to go into default through their delays. I'm arranging a consultation with the law firm handling the estate to discuss legal options and remedies in the event the loan does go into default and we lose the property. All the delays in this situation are created and perpetuated by PennyMac. Their customer service reps have exhibited unprofessional conduct, and a few have lied to me on the phone about a number of things, most recently about not receiving documents even though the lawyer has a fax transmittal sheet showing those documents were sent as per the instructions in the letter from PennyMac. I believe PennyMac and its staff to be acting in a disingenuous and unethical manner in an attempt to fraudulently push the loan into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to bring to your attention a series of unauthorized actions by Bank of America that have caused significant financial distress and raised serious concerns about their business practices. 

Over the past 5-6 months, Bank of America has been transferring funds from my accounts to other Bank of America accounts without my authorization. Additionally, they have been charging excessive fees, even though I never enrolled in overdraft protection. Transactions that should have been declined due to insufficient funds were instead approved, resulting in repeated {$10.00} fees per transaction. 

What is most alarming is that they recently transferred funds from my business checking account to pay off a personal credit card without my consent. This unauthorized action forced my business account into a negative balance, jeopardizing my ability to meet tax obligations and potentially exposing me to IRS scrutiny for using business funds to cover personal debtssomething I have never authorized or intended. 

I contacted Bank of Americas customer service via their website chat, and their representative suggested it might be fraud before abruptly closing the conversation. I have saved the transcript of this chat. While I would be deeply concerned if this were an isolated incident, these unauthorized transfers have been recurring for months, compounding my financial difficulties and eroding my trust in their institution. 

In XXXX, I raised concerns about my financial situation due to slower business operations, but I have consistently made my payments, albeit sometimes late. Despite this, last week, Bank of America transferred funds from my business checking account to pay a business credit card without my authorization. When I questioned this, they explained it was a legal offset included in their terms and conditions. While I was upset, I chose not to contest it further because the funds were used for business purposes. 

However, transferring business funds to cover a personal credit card is an entirely different matter. This action has left my business account depleted, forced me to incur additional fees, and placed me in an untenable financial position. 

I have retained a chat transcript, account statements, and a recorded call with Bank of America that document these issues. I am seeking your assistance in resolving this matter and holding Bank of America accountable for their unauthorized actions and excessive fees. 

Thank you for your time and support. Please let me know if you require any additional information or documentation.

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 2024-11-12 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts listed in the report fraudulent acounts that need to be removed immediately. They are affecting my ability to obtain credit to continue running my business. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: DE

Complaint narrative:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am disputing the account NAVY FEDERAL CR UNION ( XXXX ) on my credit report, inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This impacts my ability to get financing. 
Under 15 U.S.C. 1681i, you must verify accuracy. In 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, courts ruled that inaccuracies should be corrected. Please delete this account and provide proof of the {$15000.00}. 

they are violating my rights! I have listed the concerns about this reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
In accordance to 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
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 an 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 or 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
All three credit agencies are misusing my credit report without my written consent and are reporting inaccurate information on my credit report. I have sent notified letter demanding deletion of incorrect and invalid information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
All three credit agencies are misusing my credit report without my written consent and are reporting inaccurate information on my credit report. I have sent notified letter demanding deletion of incorrect and invalid information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i sent 1 certified letter requesting all information about this account and a copy of my signature to my provider of service to release my medical information to them. i sent a second certified letter after 30 business days of initial letter stating that they have failed to provide such information within 30 business days and According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights and it was still disregarded.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Bureau LLC
State: AZ

Complaint narrative:
I returned a missed call from this supposed collection agency, when I was probing into who they were before giving personal information, I was told that I was wasting time and that I had owed a debt. When I asked if I can verify my address instead of my social security number, i was rudely hung up on by a manager. The customer service representative and manager used foul language and was extremely aggressive.

Company response to consumer: Closed with explanation