vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The companies listed below are illegally reporting on my consumer report. They are blatantly reporting my NON PUBLIC PERSONAL INFORMATION in violation of Title 15 USC 6802 ( GLBA ) which states that a federally protected consumer like myself should initially be given NOTICE that I have rights to OPT OUT of credit reporting and these companies are in violation of the Gramm- Leach Billey Act ( GLBA ) I for transporting my personal information to non affiliated 3rd parties without my PERMISSION as I will sware to never receiving any " NOTICE '' in a court of LAW.

I want these items listed below Deleted from my consumer report ( s ) immediately as they are reporting without my permission and that is ID Theft! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-23 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: PA

Complaint narrative:
The companies listed below are illegally reporting on my consumer report. They are blatantly reporting my NON PUBLIC PERSONAL INFORMATION in violation of Title 15 USC 6802 ( GLBA ) which states that a federally protected consumer like myself should initially be given NOTICE that I have rights to OPT OUT of credit reporting and these companies are in violation of the Gramm- Leach Billey Act ( GLBA ) I for transporting my personal information to non affiliated 3rd parties without my PERMISSION as I will sware to never receiving any " NOTICE '' in a court of LAW.

I want these items listed below Deleted from my consumer report ( s ) immediately as they are reporting without my permission and that is ID Theft! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-23 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Im making payments to XXXX XXXX they are giving me credit for payment capital one garshment of wage and almost paid off will not give me credit for payment they are both charging off account so capital one should be required to give me credit because they are get paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
15 U.S. C. 1681 section 602 A. State I the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692C ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: MS

Complaint narrative:
An auto loan for XXXX XXXX was open fraudulently in my name. XXXX XXXX is an account thats open fraudulently and XXXX XXXX. I have submitted a police report and went to my local authorities for this matter. I also sent certified mail to each company they agreed to remove these accounts, somehow is still getting reported as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TX

Complaint narrative:
After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 ( 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TX

Complaint narrative:
After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 ( 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: IL

Complaint narrative:
This is my formal complaint to EXPERIAN for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

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 2023-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NH

Complaint narrative:
Several of my accounts are showing late payments, this should not be as all my accounts are in forbearance. 

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 U.S.C 1681.

Accounts with Nelnet 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED

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 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I received a letter from my mortgage company, PennyMac, with this text on the outside : " IMPORTANT INFORMATION ABOUT YOUR HOME LOAN ''.

Of course I had to open the letter. ( After I realized it was an advertisement, I realized that looking for the presorted-standard postage was the clue that the text was a lie ) The letter offers me up to {$50000.00} with a cash-out refinance. 
Reading the fine print, they're offering me a {$340000.00} loan at an interest rate of 7.624 % after paying for XXXX discount points and with a XXXX score of XXXX. This will have a mortgage payment of $ XXXX ( without escrow ). 

My current interest rate is 2.75 % on about {$290000.00} balance ( XXXX years remaining ). My non-escrow mortgage payment is currently $ XXXX. They're looking to raise my monthly payment by $ XXXX. 

I guess I have several problems here. 

1 ) I think it is wildly dishonest to require my attention for an advertisement. Given the important financial relationship I have with PennyMac, I have to pay attention to communications from them ... so sending advertisements under the guise of " IMPORTANT INFORMATION ABOUT YOUR HOME LOAN '' is extremely misleading. 

2 ) PennyMac has all the information to know that this is a terrible deal for me. It is an absolutely usurious offer. There are very few situations where this offer would be anything other than a terrible deal designed to entrap a financially stressed person.

3 ) I had already requested to be opted out of marketing, but apparently that may have only applied to email marketing, not snail-mail too?

I have included images of the envelope, front/back of the letter, and insert. Please feel free to reach out to me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: WA

Complaint narrative:
Submitted claim on XX/XX/2023 for identity theft on the amount of {$8000.00} Discover claims : We found you liable for the transactions for the following reasons : Multiple fraud claims with like transactions. Valid payments are made on account without disputing balance when card is near limit and the credit from the payment allows transactions to go through. Valid keyed and/or swiped transactions mixed with fraud transactions. Claims made of not traveling in or near where the fraud took place, however login sessions or IP address reports back in the area the fraud transactions occurred. 

However the account 's information was stolen through cloning, online banking data breach, and/or social engineering. IP address faked using VPN. I did not consent to having my card and funding used to pay for these things, and have evidence to support my claims that these transactions are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolutions has been reporting information to XXXX, XXXX and XXXX that is inaccurate and fraudulent under 18 U.S Code 1028 ( d ) ( 12 ). They have consistently tried to sue for monies not owed to them. They have NOT provided proof of any kind, with a LAWFUL two-party contract binding both parties signed in wet ink by both parties, bearing my signature, to prove I in fact owe this debt. Therefore they are committing fraud to collect on a debt not owed. They have failed to comply with FDCPA, 15 USC 1692g Sec. 809 ( b ) which states I have the right to dispute the debt and request validation of the information they claim to have on file. I have been sent NO proof. They have currently violated 8 of my rights as a consumer and continue to not comply with the Fair Credit Reporting Act, the Fair Debt Collection Practice Act and The Uniform Commercial Code. I am taking the next step to seek remedy for damages per violation at a minimum of {$1000.00} each. It has been over 90 days and I am requesting to have this account deleted immediately and cease further attempts to collect on the said debt before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for about 3 months to solve this problem with the XXXX XXXX that reports this negative, incorrect, inaccurate information in which is the second dispute that I make through you for that same problem, because the company was in charge of saying that they could not continue with the investigation because they could not confirm that I was the person, so I hope that this letter will be taken into consideration. 

In the month of XX/XX/2023 I started a dispute with this company and they only update the information claiming that the information is correct and verified but in the attached documents they could see that the information they share is exactly the same, having multiple errors where they first show a verification of 22 months of the account but they only report 20 months of payment history, they show apart only 7 months as payments and the. 

The account to be disputed is that of XXXX  XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an email from American Express on XX/XX/XXXX that my credit score is down by XXXX points due to a delinquent account. After a careful investigation, I find my American Express credit card ending in XXXX has unrecognized charges posted on it since XX/XX/XXXX ( {$25.00} ), together with interest charges, late fees and another unrecognized charge on XX/XX/XXXX ( {$25.00} ). There are several evidence to show that I experienced identify theft. First, the charges were for XXXX - XXXX XXXX, but I no longer own any car since XXXX of XXXX. Second, the charges took place in New York XXXX XXXX, but I live in XXXX Massachusetts. Third, I never received any email notification from this credit card regarding the credit balance. I found the email contact under this account is not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
submitted a final complaint to XXXX XXXX XXXX after filing six complaints regarding identity theft issues. The most recent complaint was lodged within the last 30 days, and on XX/XX/2023, they responded by rejecting my claim. Throughout this process, the bank has made several errors and has been unwilling to provide me with an itemized statement that would allow me to identify potentially fraudulent charges. Instead, they only submitted a proof of lending document and statement grand totals without any itemization. Moreover, I am unable to access my account as I am no longer a customer. Adding to the ordeal, the bank lost my last fee payments and then advised me to close the account during the COVID-19 pandemic. I had to file a claim for the lost payment, which the bank eventually found, but by then, my credit had already been severely damaged. I feel like I am being bullied by this trillion-dollar bank, and their actions are causing significant pain in my personal life and impacting my credit with no resolution in sight. To make matters worse, XXXX XXXX XXXX sent Cooling & Winter to my brother 's home, and they intimidated him. As a result, my brother filed a police report of harassment against Cooling & Winter and XXXX XXXX XXXXXXXX. I urgently seek assistance in resolving this situation, as it is causing distress in my personal life and damaging my credit. Your intervention and guidance in dealing with this billion-dollar bank would be greatly appreciated. 

This is my 2nd complaint with CFPB and I am asking to dismissal due to this company not providing me with my account ( s ) statements to look over the fraud activities on the accounts.

Company response to consumer: Closed with explanation