vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On XX/XX/2023, Penny Mac replied via mail, expressing they do not honor presentments and endorsements to discharge this mortgage debt. Instead they sent me two huge packages for a loan modification. I am clearly attempting to work with PennyMac in Good Faith, to setoff the debt, as PAID IN FULL, yet continue to be declined. 

Verbatim : In fact, your views are not recognized by any court of law or administrative tribunal within the United States. You are further reminded that your obligations under the terms of this duly executed Note and Security Deed are binding, valid and fully enforceable at law. 
Pennymac must respectfully decline the documents that you enclosed with your correspondence. 

Yet failed to return my presentation ( registered security ). Kindly return my presentation. 

Might I add. 
HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated the ability to PAY ( we the people ) our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public. 

By continuing to decline, I am expressing a conditional offer. Please see attachments. 

I would appreciate this matter being handled in a speedy manner, within the next ten business days, as I have been harassed weeks prior, regarding foreclosure proceedings etc, which are plenty civil penalties surrounding those efforts. I remain in GOOD FAITH to serve the public debt the lawful and correct way. 

I have taken many precautions to protect my rights as a consumer, such as filing XXXX with the state of XXXX, and want to work together to help service the countries negative deficit. 

Please adhere to my requests. Thanks in Great Faith XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I was notified by XXXX XXXX XX/XX/2023 that my SAVE account ( XXXX XXXX  XXXX XXXX ) was placed on hold. The link they provided to gain more information did not work, it sent me to a page to start a Credit Karma XXXX account instead. I chatted with a service agent on their site who escalated the problem. I received an email saying they were unable to provide any more information at this time. My money was unable to be accessed for transfer on the site during this time. A week later I emailed them again as it was still on hold. They again said there was no information available about the hold. 
" Unfortunately, no other details can be given at this time. We appreciate your patience and cooperation while your account is under review and we apologize for any inconvenience. You will be contacted once your case has been resolved. '' I received no further communications from them about my account status. A month later, I was able to transfer my money out. I chatted with an agent again and they said the hold was still " under review '' and they could not provide any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 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: PA

Complaint narrative:
In accordance with FCRA 15 U.S.C. 1681i : This is a Request for Description of Procedures used to determine Accuracy and Completeness of information because the results did not address the true basis of my dispute which was my privacy rights are being violated. 

15 U.S.C. Section 602 States I have a right to privacy.

15 U.S.C. Section 604 States a credit reporting agency can nit furnish an account without my written instructions.

Therefore, I do not understand the wording used in the results I received from Equifax.

Equifax did not address the heart of my dispute because the results in response to my dispute regarding my privacy rights being violated do not make sense to me. I do not understand why the 3 accounts listed below were not removed like the other accounts that were deleted. I am confused! 

Therefore in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) I need the names of the individuals you spoke with along with their name ( s ) addresses and telephone numbers. I need to know what procedures were used to come to the conclusion that these items were to be verified instead of removed from my credit report like the others were removed after your supposed investigation. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX I have included below the words used in the results I received in reference to the 3 accounts that I disputed which remain on my Equifax consumer report illegally. 

Equifax verified that this item belongs to you. The following fields have been verified that this item belongs to you The following fields have been modified. 

I understand you have 15 days in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to provide the Description referred to in FCRA 611 ( 6 ) ( B ) ( iii ) I am uploading my identification. 
I have already sent my identification but received another letter from Equifax requesting my identification eventhough I have sent it at least 3 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a credit card that I applied for from capital one & they told me it wasnt going to be a hard pull so i continued with the application & a few seconds later I got a notification from all 3 credit bureaus about a hard pull

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: CT

Complaint narrative:
As compensation for a program in which I participated in XXXX of XXXX, I received two prepaid cards from " Prepaid Digital Solutions '' for {$590.00} each. I tried to use the cards, but wasn't able to charge purchases to it. Before trying again, I contacted " Prepaid Digital Solutions '' to confirm the balance. They told me the card numbers are expired. I asked them to reissue the card numbers but they refused and told me the balance on the cards is forfeited. I was not aware that a prepaid credit card can have an expiration date, let alone one that is so short ; else I would have tried harder to get it to work it before that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 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: CA

Complaint narrative:
Base on a recently obtained copy of my credit report I do not recognize nor requested credit from these entities. 
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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1200.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.

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 2023-12-09 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: IL

Complaint narrative:
I recently checked my credit report and noticed some unauthorized accounts.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
They lied ; they reported one thing to CFPB and 2 credit score agencies. Then Comenity Capital Bank turned around and started the predatory practices all over again. My credit score is once again adversely effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has been a whole year and no relief so my issue is with Transunion, XXXX, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of XXXX. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by XXXX, Transunion, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.

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 2023-12-09 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: GA

Complaint narrative:
It has been a whole year and no relief so my issue is with XXXX, Equifax, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of 2022. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by Equifax, XXXX, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
They said it doesnt matter that debt was discharged they were still going to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 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 2023-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. XXXX XXXX XXXX ACC # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT XXXX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE XXXX I HAVE XXXX HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WHATS IS SO SAD ABOUT CAPITAL ONE, THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR XXXX  YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND XXXX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, I am a natural person and this is me XXXX XXXX submitting this dispute. This dispute is not being submitted by a third party. 

( Equifax, XXXX, XXXX ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute Cornell.edu 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors Equifax have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update these accounts. 

Creditor Account Number XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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 currently have some fraudulent accounts and inquiries appearing 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 explanation
Consumer complaint received 2023-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Base on a recently obtained copy of my credit report I do not recognize nor requested credit from these entities. 
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 2023-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Sunrise Credit Service has a fraudulent debt collection where someone used my social security # with made up names and phone numbers through XXXX XXXX XXXX XXXXr. Ive contacted XXXXunrise numerous times and they initially told me theyd send me a packet to start resolving this issue. Six months later and dozens of calls back to Sunrise Credit Services, I still have no answers as to how to fix this or no packet of information to fill out and send in. This is a fraudulent debt and I desperately just want help to try and resolve.

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