vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
XX/XX/XXXX, I called XXXX XXXX XXXX, collection company. I was notified that the phone call was recorded. The agent told me that the file I was inquiring about, my name was not on that file ; e. He said this about XXXX times during my inquiries. I asked them to send me an email with the document showing the debt to XXXX. I refuted that it was my debt as, I or my wife, have been XXXX customers for over XXXX  years. We have never borrowed, bought or had any connection to XXXX. They bought the debt from XXXX. 
The agent told me he could not send me any documents or an email about XXXX times. 
He would not offer an explanation as to why he could not send me any documenation so I cpould dispute the debt with them. I have XXXX  months of XXXX XXXX XXXX to show that we have been only XXXX  customers. I have filed a dispute with XXXX and provided this T-Mobile payment history as proof that we have never had any accounts or debts to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX PennyMac paid my homeowners insurance for year {$960.00} XXXX XXXX bill sent to PennyMac for {$2500.00} and it was deducted for settlement on the house. 
XXXX XXXX {$2500.00} was deducted from my settlement, for a fictitious bill regarding hazardous insurance. 

PennyMac took too much from my settlement, charged me for insurance when they did not pay the premium, and kept too much of the interest paid on the account. The money was sent on Monday, XXXX XXXX. It was wired. They reported it received as of XXXX XXXX. 

Also, my interest rate was XXXX the credit report states I made XXXX payments. The amount of the interest and payments does not match up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  - Date of inquiry : XX/XX/2023 XXXX XXXX - Date of inquiry : XX/XX/2023

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  - Date of inquiry : XX/XX/2023 XXXX  - Date of inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: U.S. BANCORP
State: TX

Complaint narrative:
I am filing this complaint to US BANK for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year> - XXXX XXXX Amount {$0.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- XXXX that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It started in XX/XX/2023. They've been texting me about unknown charges on my account. I reported them those charges wasn't mine. A week later, they texted new charges. I called them the charges wasn't mine. They kept on texting about new charges. I called them explained them those charges wasn't mine and had them to close my account as of XXXX. XXXXThey issued me a new card which are same credit number and security code. And then another new charges were made in my account. On going issue, I don't know how to deal with this. I called them again disputed new charges. When I was talking to them ( fraud department ) to resolve the issue, I couldn't bear a thought that they intentionally did this.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I deposited XXXX checks on XX/XX/2024 at XXXX Citibank Branch. XXXX  days later the checks where marked as fraudulent and I called them and they said the checks could not be verified. XXXX  days later they told me account was to be closed. It was a cashiers check for XXXX another for XXXX and a regular personal check of XXXX. Citibank is holding that money for no reason. Both banks have said the checks have cleared and don't understand why citibank is holding the funds. I have gone to the branch over XXXX times and still no answer from anyone.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year> - XXXX XXXX Amount {$0.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- XXXX that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
- [ ] Carrington - [ ] Loan # XXXX - [ ] XXXX faxed mortgage assistance application for second time ( same application ) - [ ] XXXX notified by Carrington they needed a copy of award letter to complete application - [ ] XXXX Standard for award letter by email - [ ] XXXX Called the Standard and verbally requested award letter ( letter was asked for on Friday of a XXXX holiday weekend, The Standard wasnt open until XXXX  ). 
- [ ] XXXX Received copy of award letter by email - [ ] XXXX printed and faxed copy of award letter - [ ] XXXX Carrington called stating they havent received fax, but I have a fax confirmation page from XXXX - [ ] XXXX Received XXXX from Carrington Mortgage Services - [ ] First letter says they did receive the letter sent on XXXX but application remains incomplete ( application is exactly the same with updated paystubs ) - [ ] XXXX letter is denying my XX/XX/XXXX appeal letter. 
- [ ] As of XXXX the same application has been faxed 3 times. Just to fax my application is over {$30.00} at th XXXX store, plus cab fare. 
- [ ] XXXX Called Carrington to find out what they are missing. They now want a new paystub even though they have XXXX paystubs faxed on XXXX and an income award letter faxed XXXX - [ ] I faxed XXXX paystubs XXXX - [ ] XXXX received email to call Carrington, called Carrington and now they want his XXXX or his taxes, to prove his income, but I sent his taxes, income verification letter, and several months paystubs. I got run around when calling Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  - Account Number : XXXX - XXXX  XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I contracted with XXXX through XXXX to have solar panels installed on my house in late XXXX. As part of the contract, XXXX subcontracted to have my electrical panel upgraded. After several months of dealing with incompetent work and safety hazards caused by the subcontractors, I canceled my contract with XXXX and XXXX. XXXX asked me to pay {$2700.00} for the electrical panel work, and I refused. Eventually, XXXX and I agreed in writing on XX/XX/XXXX, that XXXX would not continue to ask me to pay for their subcontractors ' faulty work and I would not pursue further damages against XXXX. XXXX failed to honor this agreement, and attempted to collect {$2700.00} from me beginning again in early XXXX. XXXX sent false information to Caine & Weiner, who have attempted to collect a false debt of {$2700.00} from me. A false record was added to my credit report in XX/XX/XXXX indicating that Caine & Weiner was trying to collect a debt on behalf of XXXX. I contacted XXXX to help resolve the issue with XXXX on XX/XX/XXXX. I was contacted by XXXX on XX/XX/XXXX. In that communication, XXXX XXXX of XXXX stated that XXXX had referred a debt of {$1300.00} to third-party collections because I had been credited 50 % of the charge of {$2700.00} on XX/XX/XXXX. After I reminded XXXX of the details of our agreement, XXXX XXXX of XXXX wrote to me on XX/XX/XXXX, indicating that I owed nothing to XXXX, collection efforts had been closed, and the negative record on my credit report had been removed. Despite this message, XXXX XXXX of Caine & Weiner contacted me on XX/XX/XXXX, and XX/XX/XXXX, attempting to collect {$2700.00} on behalf of XXXX. I contacted Caine & Weiner by phone on XX/XX/XXXX, and asked to speak with XXXX. I was advised Caine & Weiner may have recorded the call. The representative on the phone did not connect me to XXXX or provide information regarding Caine & Weiners attempts to collect from me except to say that they would contact XXXX and might get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit 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: DISCOVER BANK
State: MI

Complaint narrative:
i took my car to a repair shop that damaged my car and i paid with discover credit card and are not taking the dispute in my favor after sending them many proof and damages and pictures i dont know what to do else

Company response to consumer: Closed with explanation