vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I received notice from XXXX that a derogatory entry had been made on my credit report. 
Upon investigation, I found that my mortgage company, Pennymac, reported a late payment to my credit report. Up until that time, I received NO contact from Pennymac telling me a mortgage payment was late. I was on an AutoPay with Pennymac for about 2 years, and had no prior issues.

I immediately contacted Pennymac and was told my account was in arrears for my XX/XX/XXXX payment. I told them I was never notified my phone, voice mail, text or email. They told me they had called several times with no answer. I had previously received numerous calls and mail from Pennymac trying to sell me a HELOC. I told them I already had one from another lender and was not interested. Despite that, they kept calling over and over and sending letters by mail- ALL trying to sell me a HELOC. I got so many of those calls that I stopped answering them. 

I NEVER received a voice mail, letter, text message or email telling me my XXXX payment was overdue. 

When I called them and asked them to remove the late payment from my credit bureaus, they told me I had cancelled my AutoPay in XXXX and made a manual payment that month. I DID NOT cancel my AutoPay. They kept telling me I did cancel it and that they called several times to tell me my XXXX payment was overdue- AGAIN, I never received a voicemail, text or email message from them about the late payment. 
I wrote to them several times explaining the situation and lack of notice and asked them to remove the late payment from my credit reports. They denied it 2 times. 

I don't know how the autopay was cancelled, unless someone hacked my online Pennymac account. I did NOT do so. When I called them the first time- on XX/XX/XXXX, I immediately paid the XXXX and XXXX payments and the late charge. I also redid the AutoPay online.

AFTER all of this back and forth, I received a letter from them dated XX/XX/XXXX and received on XX/XX/XXXX or XXXX, telling me my XXXX payment is past due - at that point the payments were already made. 
To restate, I NEVER received ANY voice messages, emails, text messages about any late payments. The only calls I received from them were about selling me a HELOC. So many calls that I finally stopped answering them. 
NONE of the calls I received from them resulted in a voice message- and voice mail has been setup and working on my phone number - XXXX for over 10 years. 

I have NEVER had ANY late payments or missing payments on ANYT of my accounts- including Pennymac XXXX credit cards, personal loans etc. in OVER 40 YEARS- NEVER. I told them that and that they can confirm that on my credit record- all to no avail. 

Please contact them to have this late payment deleted from my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing fraudulent charges reported by XXXX XXXX XXXXXXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX XXXX XXXX as a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 2. The name and contact details of the entity that verified the disputed charges. 3. Copies of any documentation relied upon for verification. If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). Enclosed, I have included copies of police report. Please provide your response in writing. Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.

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 2025-02-14 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
When I called Synchrony Bank about my Amazon XXXX Secured Card they told me that they closed my account due to two returned payments in the last 12 months : XX/XX/XXXX and XX/XX/XXXX. I asked if it could be reinstated but I was simply told no and that you can always reapply.

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 2025-02-14 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: NM

Complaint narrative:
Self lender is reporting to all my 3 credit bureaus that I had a personal loan with them, or something called a self credit builder. I have told them repeatedly that I never did this or started this and they refuse to help or remove that information from my credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NM

Complaint narrative:
XXXX XXXX is reporting to all my 3 credit bureaus that I had a personal loan with them, or something called a self credit builder. I have told them repeatedly that I never did this or started this and they refuse to help or remove that information from my credit bureaus

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 2025-02-14 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: NM

Complaint narrative:
XXXX XXXX is reporting to all my 3 credit bureaus that I had a personal loan with them, or something called a self credit builder. I have told them repeatedly that I never did this or started this and they refuse to help or remove that information from my credit bureaus

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-02-14 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-02-14 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: CA

Complaint narrative:
I had an unpaid collection on my credit report.. I paid the collection and filed a dispute with Experian stating that it was paid. Experian stated that my dispute failed.

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 2025-02-14 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-14 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-14 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: OH

Complaint narrative:
I use experience I have tried to dispute my XXXX XXXX is cuz there's bank accounts through banks I've never been a part of or had bank accounts through them before so I don't know where any of this is coming from I've tried to dispute multiple times and they will not take it off so now my credit is really bad when I've never owned a home I've never taken out loans student loans none of that stuff so I would like to get my credit at back at a good standing

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 2025-02-14 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint against your company regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). My primary purpose in submitting this complaint is not to seek validation of this account, but rather to ensure that this account is permanently removed from my credit report and that I am compensated for the violation of my consumer rights. 

I want to be clear : I am not claiming that this account was opened without my permission. I am, however, stating that your company has violated my consumer rights under the FCRA. 

Please note that I do not accept the claim that the FCRA does not apply to your company because you are not a " debt collector. '' According to the FCRA, the term " debt collector '' includes any person or entity that uses any instrumentality of interstate commerce or the mails in any business whose principal purpose is the collection of debts or who regularly collects or attempts to collect debts owed or asserted to be owed by another. 

The FCRA further defines " debt collector '' as including any creditor who, in the process of collecting their own debts, uses a name other than their own that would indicate a third party is involved in the collection of the debt. Additionally, any person who uses instruments of interstate commerce or mails for the enforcement of a security interest is considered a " debt collector. '' Based on the definitions and provisions outlined above, it is clear that your company falls within the scope of the term " debt collector '' as per the FCRA, and therefore, the law applies to your actions. 

I am specifically citing violations of the following sections under U.S. law : 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681b ( a ) ( 2 ) 50 U.S.C. 1681 15 U.S.C. 1692j 15 U.S.C. 1681e ( b ) I request that this account be removed from my credit report immediately and that appropriate measures be taken to address the violations of my consumer rights. 

Please treat this matter with the seriousness it deserves. I expect a prompt resolution to ensure that my rights are fully respected under the law. 

Thank you for your attention to this matter. I look forward to receiving confirmation that the account has been removed and that corrective actions have been taken.

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 2025-02-14 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: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NC

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LoanCare, LLC
State: MI

Complaint narrative:
RE : Account number XXXX ; and Misrepresented Instrument - Bill of Attainder / Foreign Bill of Exchange titled Loan Statement dated, XXXX. 

There are two different loan numbers for XXXX XXXX XXXX XXXX 
XXXX. As of this date you have waived your due process rights by failing to answer and prove your claim of an alleged debt which constitutes default. Your default stands as conclusive evidence of your admission by silence to you being guiltynof fraud and swindles under Title 18 USC 1341. 
Your default also stands as conclusive proof of you having no valid claim of a debt, and proof that your misrepresented instrument - bill of attainder /foreign bill of exchange titled MORTGAGE STATEMENT dated XX/XX/XXXX, and any other instrument associated with account number [ redacted ] XXXX are unconstitutional, notwithstanding. null and void ab initio, and are unenforceable for fraud. See United States v. XXXX, XXXX XXXX. 
XXXXXXXX XXXX XXXX ( " Fraud vitiates the most solemn contracts, documents, and even judgments. " ) .XXXX : Account number XXXX ; and Misrepresented Instrument - Bill of Attainder / Foreign Bill of Exchange titled Loan Statement dated, XXXX. 


All correspondence have gone or answered has the statutory 30 days required by federal law.

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