vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX telling me that a new hard inquiry showed up on my credit report and that it lowered my score. I was very shocked at this because I had not done any recent activity that wasnt already reflected on my credit report, and so I went to investigate. I received a hard inquiry on XX/XX/XXXX by a loan company called Flagship Credit Acceptance, a company I had never heard of or used before. I was looking into personal loans a couple days prior to this, but I NEVER submitted a formal application to any company, much less a company Ive never heard of before. 

I emailed Flagship Credit Acceptance on XX/XX/XXXX and asked them to dispute this unsolicited hard inquiry with the XXXX XXXX credit bureau so that my credit score could return to what it was before they wrongfully affected it. I was quite upset at this and so I also decided to call Flagship Credit AcceptancXXXX on XX/XX/XXXX to try to resolve the issue sooner. Flagship Credit Acceptances phone line requires you to have an account made with them in order to speak to a customer service representative. Now, as I said before, I have never been associated with or used this company so of course I do not have an account with them, and so I was unable to speak to anyone to get this problem fixed. 

Flagship Credit Acceptance finally emailed me back on XX/XX/XXXX, but apparently they are not allowed to discuss certain information through email and they said that I had to call them. Verbatim the email said : Thank you for your recent email. Flagship Credit Acceptance does not have a secured email. For the protection of our customers and Flagship we are unable to email information. Please contact customer service at ( XXXX ) XXXX. 

This is the exact number I had called the day before, so obviously this company is putting me through a loop that is preventing me from reaching them.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On or about XX/XX/2022, I received a Navy Federal Credit ( NFCU ) credit card of which I did not apply for, on or about XX/XX/2022 I received a credit card statement in the amount of {$7500.00} XXXX immediately telephoned NFCU to report the suspected identity theft to which they said they would look into it, they also advised that I alert all credit reporting agencies of the situation. During that call the customer service rep indicated that I complete a Declaration of Forgery/Fraud document and return to them. I completed the form and returned along with the unused credit card, the statement and sent via XXXX certified return receipt. 
I have received the XXXX receipt indicating that the documents were received however I received the next month 's statement, upon receiving that I telephoned again and explained the situation and they claim that the did not receive the documents and suggested that I send the Declaration of Forgery/Fraud via email of which I did. 
I have now received a letter from NFCU stating that legal action will be taken as this account is in arrears. I have reached out no less than XXXX times to NFCU for relief asking that this matter be rectified, and my credit be restored, and this account be removed from my name along with a letter indicating such. 
I am seeking relief and guidance to clear my name and credit of this unauthorized use of my name and information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my consumer report. There are many accounts on there I do not know where they came from.

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 2022-12-21 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXX  XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter from Advanced Resolution Services , Inc. ( ARS ), XXXX XXXX XXXX, XXXX, AZ XXXX. They informed that between XX/XX/XXXX and XX/XX/XXXX, the following information was added to my ARS consumer report : At least XXXX occurrence ( XXXX ) of unauthorized card use If I would like a copy of the ARS consumer report I must send a written request that included a copy of the letter and : Full Name Social Security Number Proof of Identity ( my case a copy of my Driver License ) Address Phone Number They attached a form for all this information to be added. 

I called on XX/XX/XXXX and was told they have to have all this information with my signature in order to give me a copy of this report. 

Who in their right mind would provide all of this information to any company asking for this and to be sent via mail? 

I have not had ANY occurrences of unauthorized card use nor have I reported such. 

I understand this is a legit company but their website is very vague and to ask for such sensitive information to be sent via mail in order to obtain the information that they are accusing me of is not right and to publish this incorrect information on my credit report is WRONG with the only option of not having it published on my XXXX  is to provide this info. Since they sent me a letter letting me know they are going to have this placed on my XXXX  report, don't they already have my XXXX number?? This is information that should be readily available to me with all of the identity theft going on. Very scammy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX party illegaly collected a debt on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
The bank sent me a statement prior to the credit card. I was charged a {$39.00} fee on XX/XX/2022 before I activated the card. I did not have the opportunity to enroll in automatic payments to have the fee waived and did not activate the card until 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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I've tried many times to explain to this collection that this nit mine and ask fir it to be verified with a contract and id that was never done its 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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was unable to access my PNC online banking at the beginning of XXXX. I called PNC customer support right away and then I have been told to wait someone would call me and provide more information about current issue on my account. I missed the call from PNC at the earlier morning, and I got the email from one of retailer managers on XX/XX/2022 asking me to provide a good phone number or call by phone at XXXX, extension XXXX to discuss the matter further. However, no one replied to my followup email, and no one returned phone calls to me, at the same time, I am unable to login my online banking to review transactions history also transfer my funds to my banks. 

Today, I just called PNC customer support again, there is no useful information has been added to my case in the past of XXXX  months, and I have been told that I have to wait few more months or a year to get my account closed by itself, and there is no way to close my account currently which means I am unable to access my online banking to withdraw my money until it get closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

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 2022-12-21 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: OneMain Finance Corporation
State: VA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTIMG ACT ONEMAIN ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-21 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-21 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 — Was not notified of investigation status or results
Company: AFNI INC.
State: FL

Complaint narrative:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: GA

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
THE SUMMARY OF EVENTS/ COMPLAINT. 
PennyMac keeps failing to comply with loan servicing and loss mitigation guidelines. I have been attempting to get a loss mitigation compromise from PennyMac which allows me to keep my home for months. I keep getting bad information from PennyMac and am stuck due to issues on PennyMacs side. 
I am divorced from XXXX XXXX, who was a co-borrower and a co-owner. She has not lived here for years and she has not been an owner of this property for more than 3 years. PennyMac has a copy of the deed which proves that XXXX XXXX transferred her ownership interests to me in XXXX. I am not in touch with XXXX XXXX, I am not able to get in touch with her, and she is not cooperative or involved in this. 
PennyMac keeps sending documents, including to my address, which are addressed to XXXX XXXX. PennyMac has known for years that XXXX XXXX does not live here. 
One example of PennyMacs behavior is that it told me I had to have XXXX XXXX permission to sell the home ( not that I want to sell it ) even though shes no longer an owner. I now believe that statement to be completely wrong. 
PennyMac also stated that it was sending me a loan modification type offer which included removing XXXX XXXX as a borrower. This turned out to be false. Instead, it again sent partial claim documents to be signed by me and by XXXX XXXX. 
Instead of moving forward with the type of offer which would resolve this, PennyMac filed a foreclosure case. While I waited for the offer I was supposed to get, the amount of the delinquency claimed grew larger. 
I am obviously not the only person who has been divorced from a co-borrower. There must be options for modifications when an ex-spouse who is NOT an owner wont cooperate. I have done what PennyMac has told me to do each time to modify my loan and take XXXX XXXX off the documents such as the deed in my name and then insurance in my name, divorce decree. Each time they would ask for one of those and I was told that they would take her name off. in the mean time they said to skip that payment thus putting another month behind. I can afford to the house payment but they have misguided to the point of where I am. 
**There is a foreclosure hearing scheduled for XX/XX/XXXX. At that hearing, PennyMacs agents will be seeking to schedule a foreclosure sale of my home. ** THE RESOLUTION/ WHAT SHOULD BE DONE. 
The foreclosure case should not go forward. PennyMac should direct its North Carolina agents to dismiss or at least put on hold XXXX XXXX, North Carolina case # XXXX SP XXXX. 
PennyMac should provide a loss mitigation option which allows me to retain my home, taking into account that my former wife, co-borrower XXXX XXXX, is not an owner, not a resident of the property, and not cooperative.

Company response to consumer: Closed with explanation