vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX XXXX  permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to 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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX  XXXX permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RFNA, LP
State: LA

Complaint narrative:
Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Amount : {$1500.00} Action taken : account was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Amount : {$1500.00} Action taken : account was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Mortgage — FHA 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: NJ

Complaint narrative:
I have ask for 3 month of repayment plan behind XXXX i alredy made XXXX then XX/XX/year> but i am getting notice of Dfault and intention to foreclose i dnt unstand when we agrrre on payment plan XXXX XXXX and XXXX XXXX XXXX  XXXX # XXXX # loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNTS THAT WILL BE SENT TO COLLECTIONS ON XX/XX/2024, IS NOT MY ACCOUNT!!! SHE LIVES IN FLORIDA, I RESIDE IN XXXX, OHIO! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks

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 2024-07-28 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: PINNACLE FINANCIAL PARTNERS, INC.
State: SC

Complaint narrative:
Dear XXXX : I, XXXX, the consumer and natural person, was denied credit by PINNACLE BANK when I applied as Co-signer for the Amount {$12000.00}. 
Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act which his codified in 15 U.S.C. 1691 ( c ) and is pursuant to Civil Liability under 15 U.S.C 1692 ( K ).

You are subject to criminal liability for violating 15 U.S. C. 1691 as I have proof that I was discriminated against by PINNACLE BANK and this CONSUMER TRANSACTION, has negatively and harmfully impacted my CONSUMER CREDIT REPORT.

PINNACLE BANK is in violation of 15 U.S. Code 1642 USC 1681 ( m ) and 12 CFR 1002.2 ( 2 ) ( z ) because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number /credit card was used and I received NO benefit from this consumer transaction. This is proof of fraudulent activity under 15 USC 1602 ( p ) [ unauthorized of credit card ] on be behalf of PINNACLE BANK.

If your PINNACLE BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card and negative inquiry placed on all credit bureaus ; I will indeed make PINNACLE BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ).

" Without prejudice, All Natural Inalienable Rights Reserved '' ( UCC 1-308 } Thank-you, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
1, The credit card Diamond xxxx XXXX does not expire until XX/XX/year>, but already has a new number, purchases declined 2. The new card was first sent 2-3 months ago, never received -THE USUAL STORY WITH THE CITI BANK, EACH TIME SAME, Requested that a new card be send to me directly to XXXX, via XXXX, instead XXXX it was allegedly mailed again, to my XXXX address, IN THE ACCOUNT, THE NEW CARD IS MARKED AGAIN AS OUT FOR DELIVERY XXXX, XXXX XXXX- but, as usual, no tracking information and nobody received it, DEMAND THAT IT BE SENT TO ME IN XXXX VIA XXXX XXXX XXXX  XXXX, IMMEDIATELY, 3, Dispute about the XXXX  purchase was filed on line, with detailed explanation of what happened to one item and my email to XXXX attached as evidence, For THREE days I have been bombarded by the notifications of some mail in my mailbox on the Citi web site XXXX Well, finally, they uploaded that letter today, BUT IN THE ACCOUNT THAT BELONGS TO THE ONE OF THE CARDS THEY ALLEGEDLY MAILED, Finally I found it, So, they issued a conditional credit and want me to mail them a letter with the informaiton they have alredy received - DEFECTIVE AND UNUSABLE ITEM- the XXXX, which is supposed to arrive with XXXX  but did not have one, which makes it unusable, and unreturnable, as I am in XXXX and it would cost me as much as the XXXX  itself to ship it from XXXX to XXXX and then another {$25.00} to ship the dress to me,, NOT ONLY CITI XXXX CONSISTENTLY REFUSES TO READ,, they, knowiing that I am in XXXX, ask me to MAIL THEM THE LETTER WITH THE INFORMATION THEY ALREADY HAVE, 4, FOR FIVE YEARS, I have been asking Citi to please change the method of sending their confirmation codes from a phone call to SMS send to the same phone, I have written to the XXXX, to the Executive Service, again and again, explaiing, that, whe I am in XXXX, I can not receive their codes send via phone and demanding " press o, I,, 2, 3 '' I can hear the messages, but I can not make phone calls to XXXX/ XXXX  WHY OTHER CREDIT CARDS GIVE AN OPTION OF SENDING TEXT MESSAGES, BUT CITI, WHO ALSO HAVE IT, REFUSE TO MAKE IT AVAILABLE? TO MAKE LIFE AS INCONVENIENT AS POSSIBLE FOR THE CUSTOMERS, WHO THEY CHARGE XXXX XXXX  PLUS interest rate, refusing to lower it to a saner interest rate??? 
5, Citi has been pushing on me their wonderful personal loa option, refusing, to give me access to the information about that loan, because they want me, to confirm my identity via telephone, Supplying them with the travel notice, as their incompetent XXXX suggested, did not help a bit,

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 monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute with the reporting agencies 2 months ago and never received the investigation results from them. There is an unverifiable account being reported and it is hurting my credit rating, credit standing and credit capacity

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute with the reporting agencies 2 months ago and never received the investigation results from them. There is an unverifiable account being reported and it is hurting my credit rating, credit standing and credit capacity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
Other consumer reporting agencies deleted this information from my report as it is unverifiable. How did transunion verify it

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 2024-07-28 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: OR

Complaint narrative:
Inquiry on transunion from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on transunion from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on transunion from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX XXXXXXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2024-07-28 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: OR

Complaint narrative:
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from EQUIFAX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on equifax from EQUIFAX MORTGAGE SOL on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). 

I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-28 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-28 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: GA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation