vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a letter from Penn Credit Corporation, trying to collect a debt from XXXX XXXX in Texas, where my social security number appears. The debt does not belong to me, because another name appears that is not mine, and on the other hand I do not live in the state of Texas. The company was called and they indicate that the service was used for 16 days. The company XXXX XXXX is charging the amount of {$96.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO XXXX, AND TRANSUNION, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}

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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO EXPERIAN, AND XXXX, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IVE NEVER FILED XXXX XXXX XXXX AND EXPERIAN AND XXXX CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from XXXX CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA XXXX a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all 3 credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am concerned because i only owed XXXX on my care credit and out of nowhere they raised that I now owe XXXX I understand that there was a promotion for a year and that the year is up. But why are they charging me XXXX more to my new balance instead of now charging me interest fees? As my understanding they should charge interest now that the promotion is over but why add XXXX to the balance? As well as I was paying XXXX dollars interest every month before the promotion was over.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.

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 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
The company is violating my privacy by reporting late payments to the credit bureaus. In XXXX I submitted a complaint to the company about the vehicle, I have drove this vehicle a handful of times. The transmission went 3 times and then the engine. I no longer have their vehicle as it was junked. I never signed MY SIGNATURE on any documents! I have tried to contact the company several times to remove any late payments and lower the amount but instead the only care about adding on fees and charging more money on to the loan. A car that was worth XXXX is now up to XXXX. During XXXX the CARES ACT was provided no company was to report or add on to bills and this company was still adding on late fees and reporting late payments to the credit bureaus when I was not even working and sick. Ive tried to come to SEVERAL AGREEMENTS with the company and so they care about is the vehicle! Im ready to take legal action now because now this has been over 6 years and still adding interest and I have been trying to make payments and yet they do NOTHING to work with people!!!!! I will no longer pay and I will have my attorney fix it unless they are willing to send in to the credit bureaus a letter to fix late payments!!!

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name SXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number 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 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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: TX

Complaint narrative:
Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
We have a mortgage on our home and on the adjacent 18.6 acres ( separate PIN # s and tax bills ). Taxes in XXXX XXXX are paid twice a year in XXXX and XXXX with 1/2 the total tax amount due at each payment time. Total tax on the home is {$5400.00} and total tax on the land is {$75.00}. On XX/XX/22, I received an escrow analysis stating our monthly escrow payments would be increased from $ XXXX to $ XXXX starting XX/XX/22. After reviewing the escrow information, I found several mistakes including incorrect PIN #, incorrect amounts of tax and a duplicate entry. I called PennyMac on XX/XX/22 and talked to Carlos. We went through the escrow information and he submitted the corrections. The PIN # s are now correct and the duplicate house tax was removed. However, the land tax due in XXXX is now shown as {$2700.00} instead of the {$37.00} actually due. On XX/XX/22, I called PennyMac and talked to XXXX. I explained the problem and she told me I would have to call the county and get the tax bills and send them to PennyMac since the bill documents were not in their system. I told her that I don't get the tax bills, PennyMac does. She kept repeating the same information over and over. XXXX XXXX does not print tax bills for escrow accounts, the bills are sent electronically to the mortgage company. 
I tried to get the escrow account corrected last year to no avail. PennyMac didn't pay the tax on the land last XXXX After receiving an overdue bill from the county, I called PennyMac and they paid part of the bill. I had to go to the county and pay the storm water portion of the bill. 
This appears to be creative accounting or incompetent accounting on PennyMac 's part. If they can't get a simple escrow account and the tax bills correct, they should not be in the mortgage servicing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX my Us Bank Reliacard was declined. This has happened 3 previous times due to fraudulent activity on my account. This time, when I called customer service, the automated service stated all operators were busy, please try again. I have called multiple times a day, every day since XX/XX/XXXX without talking to anyone. I need access to my money!!

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 monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all 3 should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. XXXX did not respond at all. Transunion sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of XXXX, XXXX, and Transunion.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all XXXX should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. Equifax did not respond at all. XXXX sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I, the consumer and natural person was denied credit by this financial institution when I applied for an loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Which is in violation of 15 U.S.C 1642 U.S.C 1681 and 12 crf 1001 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit ) on behalf of this financial institution. If the financial institution fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card, I will indeed make the financial institution criminally and civilly liable for all actual damages pursuant to 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} ) per violation.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
PENFED is suppressing ( NOT reporting ) my payment history on my POSITIVE installment TradeLine. PENFED is also currently reporting negative information, proving that their suppression of my POSITIVE payment history is punitive, retaliatory, harassing, and deliberate. PENFED is violating my FCRA rights and is causing me great hardship regarding finding an apartment and employment. PENFED is also preventing me from obtaining credit at reasonable rates. PENFED CAR LOAN XXXX ( on my XXXX Credit Bureau Report ) clearly shows UNKNOWN PAYMENT HISTORY. I have filed numerous disputes with XXXX and PENFED to correct this, but XXXX claims that PENFED is NOT REPORTING the POSITIVE payment history. PENFED must restore my POSITIVE payment history, which was listed on my XXXX file previously but is now not being reported by PENFED.

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