vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
After filing a complaint against Pennymac Loan Preccessing with your agency, I got a call from them within XXXX hours. Thank you! 

Unfortunately they said they would send an email deleting my erroneous late fee and that I owed an amount of about {$97.00}. I don't think I owe that but to make the problem go away it is worth it to pay that amount. 

I got an email from them but it did not reflect what the customer service rep explained. I will not talk to them on the phone again and will communicate via email only ( they said they would send an email about our discussion but I have not seen it ). 

Please register this second compliant. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-06-22 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally financial and XXXX XXXX XXXX XXXX and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23

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 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted XXXX XXXX and capital one auto financial and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-22 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:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-06-22 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Some how a purchase on my credit card, and when I reported or stated a dispute they keep asking me things I don't have, I called them I said the only thing I have from that charge is a email receipt, which I sent it to over to navy today I received a email say? y dispute is Closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: NC

Complaint narrative:
This collection continues to be notated as valid, however no notification of this debt was provided so that I could dispute it being added to my report after being removed in XXXX. No documentation in the form of a final bill has been provided, that is required. I was sent an email outlining fees from someone that does not work for vivnt and the notification I should have received to notify me of my right to dispute is dated for XXXX although the collection was added XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: GA

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. 

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-06-22 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: Experian Information Solutions Inc.
State: GA

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. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Debt collection showed up on my report and is not mine. States that account was opened in XX/XX/22. Charge was for {$1600.00}. Definitely fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke with a representative by the name of XXXX with Capital One regarding the interest charge on my account. Ive paid {$1800.00} the balance in full and Capital One received it on XX/XX/XXXX but didnt post it until XX/XX/XXXX which caused a higher interest charge. The automated system verified the date of payment received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights. 

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

15 U.S.C. 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. 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was sitting at home one evening watching tv with my spouse after work. I only own a car, that's all we own in our household are cars when suddenly there were 2 withdrawals done out of my account amounting in almost XXXX for motorcycle parts online. I do not own a motorcycle nor do I work on motorcycles. I was given a temporary credit for the amounts but yesterday was notified that I'll have to refund one of the amounts. There is no good reason as to why I should have to. I did not make those purchases on XX/XX/XXXX... XXXX in the amount of XXXX and the other for XXXX. Those withdrawals set me back and almost made me get evicted from my place because that was my mortgage. Now I'm being faced with possibly being put in the same predicament again because of them denying my dispute. Please help : (.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Well due course of law and ''due process of law " expressed a Desire, in order prevent in order to prevent. Misconstruction or abuse .I am in a EMERGENCY BANKING ACT, MARCH 9, 1933, 48 STAT. 1, PUBLIC LAW 89-719 ; BEING BANKRUPT AND INSOLVENT.PLEASE LOOK OVER MY ACCOUNT AND ADDRESS ANY CHANGES NEED TO BE MADE. PLEASE APPLY THESE LAWS TO MY REPORT. 


Title 18 US Code Sec.241 & Sec . 242 Title 42 US Code Sec. 1983, Sec. 1985, & sec. 1986 : clearly established the right to sue any one violates my constitutional rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
I am submitting new known contact information about the creditor. 
I was poor at the time of service. I was too ill at the time of service to consent to care not covered by my insurance. I was sick and not able to apply for XXXX XXXX. XXXX XXXX of the XXXX surprised me with charges. Under the No Surprises Act 2022 such bill is now illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NY

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. 
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, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices.

You, Experian, 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. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

As per my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All listed with different dates By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes.

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 2023-06-22 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: CA

Complaint narrative:
My information was compromised as a result of identity theft. The following account was open. 

XXXX XXXX XX/XX/2016 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: 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. 

Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions 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. 

Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have recently disputed an account, it was once removed and is now showing up again in my credit report. I have disputed this account again this year and the creditor has reported the information submitted is verified and accurate. I requested validation to verify that this account belongs to me however I received nothing to validate this debt. Also, the account is showing inaccuracies amongst each credit bureau which would be a violation of the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA. If the account was verified and accurate each bureau would be reporting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IVE BEEN A VICTIM OF HAVING MY INFORMATION RELEASED TO THE PUBLIC WITH VARIOUS DATA BREACHES. THEREFORE, I HAVE HAD PLENTY OF INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT THAT WERE PREVIOUSLY DISPUTED. SOME ACCOUNTS CAME BACK AS VERIFIED WITHOUT ANY PROOF OF THE PROCESS THAT WAS USED TO VERIFY THESE INACCURATE AND INCOMPLETE ACCOUNTS. I NEED THESE ACCOUNT REMOVED IMMEDIATELY BECAUSE THEY ARE RUINING MY REPUTATION WITH THE BANKING SYSTEM. I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION MORE THAN 30 DAYS AGO AND I STILL HAVENT GOTTEN A RESPONSE

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