vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2024-08-16 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: FL

Complaint narrative:
consumer law 15 usc 1692c this law states if you don't have community with the debt collector and they can't provide your signature for the debt and if they have misinformation on you then that debt should be deleted from your credit report this is your consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
consumer law 15 usc 1692c this law states if you don't have community with the debt collector and they can't provide your signature for the debt and if they have misinformation on you then that debt should be deleted from your credit report this is your consumer rights

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 2024-08-16 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/XXXX, I was informed by XXXX affairs my property taxes was paid since XXXX XXXX because I am a XXXX XXXX XXXX XXXX XXXX  I have been paying my property taxes along with my monthly {$1300.00} mortgage payment of {$540.00}. I was only required to pay {$100.00} a month. I called Pennymac Morgage company on XXXX XX/XX/XXXX, XXXX. I was informed by customer service, I would be receiving a check in the amount of {$2800.00} ( check # XXXX ) in XXXX days because they was going to send it via XXXX. Once 5 days ( XX/XX/XXXX ) pasted I requested a tracking number. I then was told that it was sent regular mail. Pennymac location is in XXXX California and I am in XXXX  California. I have inclosed my bank routing information to speed up the process. It has been 5 days pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX/ Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX/ Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I checked my credit report and verified that this account that I'm reporting to delete and block is still reflecting on my credit report and its affecting my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to express my disappointment and concern regarding the recent decision by Chase Bank to close my accounts without sufficient justification or warning. As a customer of over 40 years, I have consistently maintained good standing with my accounts, and I find this sudden closure to be both unexpected and deeply frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I had a Navy Federal Credit Union XXXX Credit Card, but I needed help to keep up with the payments. The credit was closed by the credit union for over seven years ago. However, I also have a mortgage with the credit union and plenty of equity in my home. When asked if I could get a home equity loan using my home equity, I was turned down due to the old credit card. 

When I asked why I could not use the equity in my home, I was informed that it was because of my previous Visa. I could get a loan if I paid off the old credit card I owned. I could, which is more than seven years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXXXXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2024-08-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXXXXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: CT

Complaint narrative:
Hello I need help with a transfer that my friend sent on XX/XX/2024. She sent me {$140.00} via Xoom and the transfer code # XXXX. Instructions to pick up was Government ID and code # XXXX. However, when I showed my Driver license at a local branch in XXXX, CT, they told me at the local branch that I was not allowed to pick up the funds but I asked why I was not allowed to pick up the money but they did not give me any further details. I also when at a different branch on a different date I was not able to pick up the funds.So I contacted Xoom customer service on XX/XX/2024 about this matter to know why am I not allowed to pick up the {$140.00} transaction # XXXX that was sent me. Xoom customer support told me that they need to speak directly with the sender about this for the reason they asked me to tell the sender to contact Xoom. I answer them that I need answer about my issue, but if they want to speak with the sender they have her contact

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NV

Complaint narrative:
XXXX XXXX and Experian Is continually reporting false information ony credit report. These 3 reporting is not my debt I have disputes these accounts several times and they are still showing up on my credit report it have been over 30 days and they still there. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these belong to me I have never had account with these company neither owe them money. This is fraud.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balanced {$15000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00}

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 2024-08-16 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: NV

Complaint narrative:
TransUnion XXXX and XXXX Is continually reporting false information ony credit report. These XXXX reporting is not my debt I have disputes these accounts several times and they are still showing up on my credit report it have been over 30 days and they still there. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these belong to me I have never had account with these company neither owe them money. This is fraud.

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 2024-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
There's a company by the name of Autonation Finance which i only have partial of the account number which starts with XXXX, I've tried many ways to resolve this matter due to identity theft and me trying to dispute this account off my report because this debt doesn't belong to me nor does the address listed on my report that's linked to that account belongs to me but somehow even the credit reporting agencies refuse to remove the address that doesn't belong to me because it was stated that there's some open accounts on the address i tried to dispute, I even went as far as in asking for debt validation and it's been a few months and no respond from the company, I've even called and someone kept hanging up in my face. This is deeply affecting my credit ability to move forward and I would like for this debt that doesn't belong to me remove asap.

Company response to consumer: Closed with explanation