vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these inquiries 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 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 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 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 ) ( 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these inquiries 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 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 XX/XX/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 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 ) ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from 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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The company has filed multiple false and misleading affidavits in a lawsuit involving consumer. Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. This is in violation of XXXX 's recent 2023 agreement with the CFPB and the FDCPA. 

PRAs response to prior complaint by this consumer did not properly address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Currently Reporting on XXXX and XXXX 1 ) Navy Federal Credit Union Amount {$25000.00} *Date opened XXXX XXXX. 
*Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 2 ) Navy Federal Credit Union {$2100.00} *Date Opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 3 ) XXXX amount {$710.00} account opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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.

Unauthorized inquiries on my credit report. 

Account name : XXXX XXXX Dated : XX/XX/XXXX Account name : XXXX Dated : XX/XX/XXXX Account name : XXXX XXXX Dated : XX/XX/XXXX Account XXXX : XXXX Dated : XX/XX/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 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 ) ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: FL

Complaint narrative:
i am a victim of fraud, i did not do these inquires nor do i know where the collections came from. 

XXXX XXXX XXXX Collection {$400.00} XXXX XXXX Collection {$4600.00} 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent 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 non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
AES has consistently misapplied interest payments on private student loan to previously serviced, but consolidated federal student loans. They paid XXXX XXXX {$9.00} on an account that was already consolidated ( two payments on two previous loans ), and refused the refund, and instead assessed a balance on my private student loan. I have full documentation of every on-time full payment made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I attempted to refinance my mortgage through my current mortgage company NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Before I applied for the refinance I disclosed to the loan officer : XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX That I had items in collection and would that impact my ability to borrow. I was told by this loan officer that it was " not a problem ", his language. 

I was denied the refinance loan and among the reasons stated was the following ( see atatchmnet ) : " Serious delinquency or public collection or records filed " I believe I was the victim of predatory lending as I paid approximately {$850.00} for an appraisal of my property even though Newrez LLC would have been aware I was not eligible to apply for the refinance based upon the collections activity but pursued the loan to make collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Klarna AB
State: OH

Complaint narrative:
In XX/XX/XXXX I received a duplicate charge to my XXXX card for initial payment in a 4-part installment plan for a ticket purchased from XXXX. I've contacted both XXXX and Klarna for 10 days and neither company will take responsibility for the duplicate charge. I've sent confirmation from XXXX that the duplicate charge was voided but Klarna continues to threaten to charge my card and says XXXX is the only party who can resolve this. Klarna has told me to stop contacting them unless there is new information. Duplicate charge : XXXX or XXXX Valid charge : XXXX or XXXX I've disputed the duplicate charge with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
Experian is reporting a XXXX XXXX on my report I ask to move they said no after I told them that is not my physical address it needs to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX  CA not my address XXXX XXXX XXXX XXXX on XXXX also not my address remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon checking my credit report it is showing a different status then what the original loan is through I'm not sure what is going on but I am very unhappy about this and this is a violation of the Fair Credit Reporting I am trying to get something done with this in it this is actually forcing me to go legally because this is so unfair I don't understand why the credit reporting is getting away with us there are a lot of unhappy people

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
There are several inquires on my credit file that dont belong to me and I dont recognize I asked the bureau to investigate and they failed to do so,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac Loan Services services my mortgage for XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( loan number : XXXX ). I set up auto-pay features with Pennymac over the phone in XX/XX/XXXX. I identified what checking account I wanted Pennymac to withdrawal from for my monthly payments. For two months, ( XXXX and XX/XX/XXXX ), XXXX attempted to make withdrawals from an incorrect account. A Pennymac representative, during a follow-up conversation once the issue was identified, admitted that I had supplied the correct banking information on the XXXX call and that Pennymac was at fault. Both conversations were recorded with transcripts. It was noted that Pennymac made no effort to use any method of contact ( email, phone, mail, etc. ) listed on my account to inform me of this problem. Moreover, I offered to supply evidence of bank statements confirming that I had sufficient funds in the correct account. Unfortunately, Pennymac refuses to remedy the situation with the credit bureaus. Pennymac has only waived the late payment fees of {$73.00}. I subsequently have an erroneous late payment penalty that is significantly affecting my credit score and is incurring severe hardship on my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TX

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIB Group, Inc.
State: WI

Complaint narrative:
This is in reference to my MIB report Several companies accessed my report without my explicit permission : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
I would like those inquiries erased. 

XXXX added false data to my report without my permission. they conducted a third party exam showing 3 problems. I had an exam consequently with a medical doctor and the results were opposite. I have contacted XXXX several times with out success. I would like their information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: UT

Complaint narrative:
THESE ACCOUNTS ARE TO BE DELETED IMMEDIATELY OR LEGAL ACTION WILL FOLLOW AND SUIT WILL BE BROUGHT UP ON TRANSUNION FOR VIOLATING MY RIGHTS!!! 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). you transunion have violated my rights i am disputing all of the debt they have allegedly verified and they stated all of the information on the accounts as accurate but that is not true i did my research and found improper inaccuracies there are many inconsistencies among the three credit bureaus even after the disputes and validation letters i sent them that include but are not limited to dates accounts opened, date last active, date of last payment, last reported date, past due amount, high credit and balance. furthermore in accordance with the fair credit reporting and convergent accounts # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # 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 a consumer reporting agency can not furnish an account without my written instructions you will be held liable i need the accounts deleted from my credit report immediately as you have now violated my rights and taken longer then 30 days to respond

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: KY

Complaint narrative:
company has failed to delete this inquires that are not mine my XXXX  and XXXX  show 0 inquires

Company response to consumer: Closed with explanation