vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 2024-05-23 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: NC

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Equifax credit bureau has failed to take appropriate action and continues to report them. 
I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to XXXX Equifax @ XXXX proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX XXXX days are up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear sir and or madam please see attached of bureus response 's there is proof I did request my reports, attached is the same documents I attached in all three envelopes to XXXX XXXX @ Exsperian proof of idenity I AM NOT PUTTING THIS IN THE MAIL AGAIN this is how identity is stolen and I don't appreciate them asking for it over and over again, as well I don't appreciate there emails to me soliciting credit watch and easy access to my files XXXX for a fee, if you notice there asking me to supply this information attached again, in attached clearly stating I filed a dispute when I don't even know what is accurate or not only thing I asked for with attachments included requested my report and ask them with supporting documents to add a consumer statement to say : Anyone trying to extend credit in my name to call my cell phone first @ ( XXXX ) XXXX as you can see and still not resolved I have supplied PROOF CFPB that you must protect us from companies like this and I am holding you responsible for failure forcing them to comply OI BETTER HAVE MY FULL REPORTS BY THE XXXX XXXX XXXX XXXX 30 days are up

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 2024-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-05-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
My spouse and I applied for a mortgage loan through our broker with Pennymac, who we are existing customers with. My spouse is in the military and we are purchasing a home to relocate. Pennymac requested excessive documentation related to my work and job transfer, which was provided. I submitted a letter from my employer explaining that my job transfer would not affect my employment status with the agency and I will continue to receive my current pay or greater and my transfer package was under review. This did not satisfy Pennymac and they wanted an approval or an explanation why it cant be approved at this time. I provided another employer letter explaining the process of the transfer approval and it is under review with management and HR. Pennymac still wouldnt accept this and requested I provide proof of telework. I provided proof of telework, but they still wouldnt accept this because it wasnt remote and they wanted my employer to provide proof that they would grant me remote status, which my position is not classified for. I said I will take leave on in office days, again, Pennymac would not accept this. Eventually they told us that our application is denied. They didnt even ask for proof of my spouse being relocated ( I.e. military orders ). They denied us on the day we were supposed to close ( XX/XX/22 ) after trying to provide them everything they requested. They were trying to tell me that they needed me to provide proof from my employer granting impossible requests, which could not be done due to union regulations and rules. Their requests were excessive and unreasonable and cost us time and money and most importantly, our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
Opened on my report XX/XX/year> for the amount {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove these inquiries, as I have no knowledge of them, and the company did so without my consent.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Can you please review the documents? Some accounts listed are inaccurately reported, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
Kindly delete these inquiries. I am unaware of this, and the company proceeded without my permission.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IL

Complaint narrative:
I viewed my credit report and noticed that there are incorrect 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I took out a Parent loan from Sallie Mae/Navient in the amount of {$41000.00} to assist my daughter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as all the loans/grants she qualified and received were not sufficient to fund her education at XXXX. After paying on this loan for twenty years, I paid the balanced owed of {$39000.00} on XX/XX/XXXX. I paid off this loan with the money I inherited after my Father 's death and after I was forced to retire at the age of XXXX when the company I worked for moved their operations to XXXX. I was not able to make the {$280.00} monthly payments with only Social Security as income. On XX/XX/XXXX Navient sent me a letter telling me my expected loan pay off date was XXXX of XXXX when I would turn XXXX XXXX XXXX. I would like to have the amount paid over the original loan amount refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
This is an installment loan that was approved and funds disbursed when I was living in California on XX/XX/2019. The max APR for California is 41.3 % and my percentage is 64.41 %. interest alone is {$21000.00}. my original loan amount is {$8700.00}. {$30000.00} is the total loan payment. XXXX XXXX, also known as the California Fair Access to Credit Act, was signed into law by Governor XXXX XXXX in XX/XX/2019. Its primary goal is to protect consumers from predatory lending practices, particularly in the context of payday loans. Here are the key provisions of XXXX XXXX : Interest Rate Caps : XXXX XXXXXXXX prohibits payday lenders from charging exorbitant interest rates on certain loans. Specifically, it bars lenders from imposing interest rates exceeding 36 % plus the federal funds rate. This measure aims to prevent borrowers from falling into debt traps due to high-cost loans1.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Medical Bill was paid back in XXXX by my insurance carrier to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they still submitted the bill to Transworld Systems INC. Received this bill this collection agency dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received numerous offers to open a 0 % balance transfer offer on a credit card. I had several offers but decided to go with a bank where I already had accounts. I was pre-approved for the account and decided to move forward. Once I opened the card, the site said I could not transfer a balance. I called and was informed the account was new and I had to wait a few days. I waited several weeks and tried again. This time, I received the same message that the balance transfer was not available. I called and spoke to a rep who answered the phone and her supervisor. I was told there are no balance transfers available to me. I indicated I ONLY got the card for the balance transfer offer and what happened between when I applied and now. They indicated Capital One can change the terms at any time. This is a deceptive practice. I was deceived to get me to open an account. Now I have a negative inquiry on my credit score for no reason. Capital One needs to honor the promotion they offered. I have been a loyal customer for over 20 years and will likely move banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. XXXX, Transunion, and XXXX refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.

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 2024-05-23 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: TX

Complaint narrative:
there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. XXXX, XXXX, and Equifax refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.

Company response to consumer: Closed with explanation