vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Accounts : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX Account number XXXX * NOTE : Please also remove all non-account holding inquiries 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 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I opened an account with Binance.US they collected my personal data including SSN. I found they do not operate in state of Texas. I tried to delete my account but found no option to delete my account from web site https : //www.binance.us/en I contacted customer support to delete my account XX/XX/XXXX. 
support ticket # XXXX. Today XX/XX/XXXX account still not deleted. 

Company operates under XXXX ID : XXXX Problems with company : 1. Company do not respond to customer requests from web site 2. Company support chat takes hours to respond to the question " delete my account '' suggesting to create ticket ( which I already created ) 3. Company does not have customer support phone number available therefore no opportunity to contact it and delete customer sensitive personal account and data ( dob, address, phones, ssn ) -- - Financial companies with no support to request can cause harm to potential customers due to delays or inability to satisfy responses to customers requests could be causing significant financial losses and should not be allowed to operate in US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: PA

Complaint narrative:
I called SENTRY CREDIT on my own accord in attempt to settle a debt owed. This account was opened XX/XX/2022 ( 5 months back from this complaint ). The telephone number that I reached in regard to this debt is XXXX. 

The attempt to settle this debt in the amount of {$3500.00} lump sum, had verbally been unapproved. My offer was a proactive decision made to come to a quick and reasonable resolution to clear the debt with SENTRY CREDIT. The lowest offer made by SENTRY CREDIT on XX/XX/2022 was in the amount of {$12000.00} which is 28.24 % more than the actual owed debt per court documents. I am declaring that SENTRY CREDIT has falsified documents and statement amounts and has posted an egregious amount totaled to be {$14000.00}. SENTRY CREDIT has also reported the debt as an individual responsibility when the debt should be a joint responsibility between me and one other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.

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 2022-08-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent in a dispute for all of the 4 ChargXXXX off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NJ

Complaint narrative:
Equifax is reporting hard inquiries that I did not approve. it is fraudulent and I need them deleted immediately XXXX XXXX XXXX Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  Address Date of inquiry XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX Address Date of inquiry XXXXXXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MA

Complaint narrative:
This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to XXXX XXXX XXXX  account # XXXX and Discover account # XXXX 15 USC 1681section 602A states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried to dispute the bankruptcy that is showing on my credit report. I attempted to asked them how did they get permission? According to USC 1681 c ( a ) 1, states that credit reporting agencies are not to show a bankruptcies on a person 's personal credit report. There are tons of inquiries that I have requested to be removed as well, but they sent me a document stating that its accurate. HOW? They have not sent me anything to validate any of those inquiries.

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADP Inc.
State: GA

Complaint narrative:
ADP is attempting to collect a debt not owed by myself ( consumer ). They have agressively garnished my wages from my employer at the percentage of 25 % since XXXX. I have called to speak with someone and was transferred to someone out of the country that could not help me. I sent an email and letter statting that I do not owe the debt.ADP is in violation of The Fair Debt Collection Practices Act. I do not owe ADP and have never entered into any agreement with this company. I demand all wages be returned to me with damages. 
I am requesting all wages stolen in the amount of {$890.00} I am requesting damages of {$100.00} per garnishment total {$1000.00} as per the congressional fine for such violations I request a Cease and Desist of all debt collection actions I request and apology for the financial harm and XXXX  distress these violations have caused for myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TN

Complaint narrative:
Experian released my private information including my credit card bill to a 3rd party that had nothing to do with my file. Not only are they reporting inaccurate collection accounts to my file they have violated my rights over and over again. I have attached the response from the 3rd party showing my proof at address that was sent to Experian was sent to XXXX and it should not have been.

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 2022-08-29 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am currently within a XXXX  XXXX plan. My loan with Ally Financial is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. Ally Financial has not been reporting my monthly payments to any of the three credit reporting bureaus XXXX XXXX XXXX, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.

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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding CFPB complaint # XXXX and # XXXX, as of today ( XX/XX/2022 ) TRANSUNION still has not provided the forms I have requested in order for them to adequately display they've followed the proper procedures for reinvestigation. 

Transunion has not provided my written and signed ( wet signature ) consent that states that I allowed them to share my information with nonaffiliated third parties. 

They have not provided any written instruction directing them to furnish ANY item on my consumer report whatsoever. 

Remove XXXX and XXXX XXXX accounts that were not properly investigated on and have never had permissible purpose or written instruction to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). 

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 2022-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I applied for the Home Assistance Fund Program and was approved for forward payments for 17 months. The payments started on XXXX. I am having issues with my mortgage company " Pennymac '' because they are applying the payments to my principal instead of my monthly payment and they are now refusing to do a reversal and apply the payments from XXXX to my Monthly Mortgage payment even though they are aware that it should go to the monthly payments. If they leave the money towards my principal, then I will still need to make my monthly payment and that defeats the purpose of me getting the assistance that I need since I am unable to make my monthly payments. 
They already have a copy of my award letter and are fully aware that I was approved for my monthly payments and are refusing to help. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Experian has a last name that does NOT belong to me ( My last name is XXXX ). They have an address that I do NOT live at. I am worried about identity theft and do not want an address on my credit report where I do not live. If credit offers or other correspondence is sent to that address, it could be used for identity fraud. I live at XXXX XXXX XXXX, XXXX XXXX, XXXX That is the ONLY address that should be 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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got emails from Bank of America. I do not have an account with them. I called and they said an account was opened in my name. They verified this and canceled and closed the account. They told me to file a report as my identity was stolen. I got the email on XX/XX/XXXX. I called to cancel on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation