vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a missed payment reported on my credit report for the month of XX/XX/year>, associated with my account with PennyMac Loan Services. This entry is inaccurate and should be corrected under the provisions of 15 U.S. Code 1666b, which governs timely payments when delays are caused by the creditor 's system. 

In XXXX, PennyMacs payment processing system experienced issues that prevented multiple payments, including mine, from being successfully processed. I promptly notified PennyMac of the issue and received confirmation that the delay was caused by their system malfunction. The problem was later resolved, and my payment was processed. Despite this, the late payment was erroneously recorded on my credit report. 

In accordance with 15 U.S. Code 1666b, which states that payments delayed due to creditor system failures can not be treated as late, I request that this matter be investigated and corrected. I have also asked PennyMac Loan Services to rectify this issue, but to date, the entry remains uncorrected.

To assist with your investigation, I can provide the below supporting documents : A copy of PennyMacs acknowledgment of their payment processing issue.

Proof of my payment attempt within the due date. 
A copy of the erroneous credit report entry. 
I respectfully request that you review this matter promptly and ensure that my credit report is updated to accurately reflect my payment history. Additionally, I ask that you require PennyMac to comply with the provisions of 15 U.S. Code 1666b.

Please acknowledge receipt of this email and keep me informed on the progress of your investigation. I appreciate your attention to this matter and look forward to its resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
I received a wage garnishment from XXXX from a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I've ask repeatedly to validate the date which they have not they received a judgement against me when I was not even aware of a court date they then stated that it was for a credit card company I stated that the debt would have been written off with that companies XXXX tax return under bad debt and if in fact that was not done then I want proof that it was not done which i did not get also I would need proof that it was not a securitized line of credit which they did not provide I can not afford to pay for a debt that is being reported as 2 different amounts I wish to stop this wage garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I lost my job and contacted them in XXXX. They set up a payment deferment for payments to resume on XX/XX/XXXX. Since XXXX of XXXX they have been constantly call texting and harassing me and threatening me and tacking on fees and damaging my credit for " non-payment '' despite there having told me NOT to make the 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 monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> at about XXXX ; XXXX I received a text message from Bank of america saying someone tried to charge {$580.00} on on my debit card. I text back No. 
Next comes a phone call from Bank of America, a person Identifying himself as XXXX with BofA ID XXXX XXXX, asking if I authorized purchased of A Airline ticket of {$900.00} in Arizona, I said No. 
He mentioned another charge, but I cant remember who or how much, by noq I was upset. 
He also asked if I had zelle anyone, I said No. 
At this time he said he would check my security on my account, and will send me some codes and repeat them to him. Those nrs where, XXXX, XXXX He told me not to go to my account for XXXX to XXXX hrs due to BofA whats to check IP adresses to see where the fraud was coming from, and that fraudster use codes to get what they want.He said he call me back at XXXX ; XXXX next day, I waited till XXXX XXXX ; XXXX and I checked my account and found {$14000.00} missing thrue XXXX to a person named XXXX XXXX, At no time did I commit to any type of transfer, XXXX, nr or accont Nrs

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX bank is refusing to update my Equifax report after paying their requested amount to close the account. 

Theyre still reporting this as a derogatory account which is a direct violation of the Fair Credit Reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
Please help me get these unauthorized inquiries off my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I booked XXXX XXXX tickets on American Express XXXX XXXX from XXXX to XXXX. I cancelled these XXXX tickets within XXXX minutes of booking because i saw cheaper tickets via XXXX Airlines on the same travel portal. XXXX XXXX XXXX XXXX XXXX You can cancel the tickets within XXXX hours for full refund to your original form of payment, in this case, my credit card. I cancelled the delta tickets and got email confirmation that the tickets had been cancelled and the full payment had been refunded to my card. I was going to use the 'plan it ' feature by American express XXXX pay for my tickets ( instalments ). Now, XXXX has notified me of refund but these charges still show on my American express statement. I have reached out to AMEX customer care but they keep saying the charge will fall off by itself after sometime but this hasn't happened. please assist to dispute this charge as these delta tickets ( XXXX ) is not longer live. i do not want any airline credits instead, i want my full refund to card as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX {$8300.00} open XXXX, XXXX XXXX {$820.00}, {$6100.00}, {$3600.00} open XXXX, XXXX bank {$340.00}, resurgent receivables {$430.00} XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
- Deposited {$200.00} check to my Wells Fargo account via mobile app on XXXX XXXX XXXX Ref Number XXXX - Check paid by XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00} with XXXX XXXX XXXX - Received text notification from Wells Fargo on XXXX XXXX XXXX that check was returned due to insufficient funds and {$200.00} was taken out of my Wells Fargo account. A letter stating the same arrived via XXXX but the check number and account number of the returned check did not match the check number and account number of check I deposited. 
- Contacted Wells Fargo and open claim XXXX - Contacted check writer on XXXX XXXX XXXX and obtained proof from XXXX XXXX XXXX check cleared- Contacted Wells Fargo several more times via phone ( a couple of times with check writer on the line ) and provided information from XXXX XXXX ( i.e. trace number ) in an effort to resolve the issue. Noted that the account number and check number did not match the deposited check but still had no resolution - Visited XXXX XXXX on XXXX XXXX XXXX  to confirm check clearance from their institution and proof was provided - Brought the XXXX XXXX proof to Wells Fargo branch in XXXX XXXX XXXX XXXX in XXXX, VA on XXXX XXXX XXXX whereby a dispute was opened. Ref XXXX. Told that it would take up to XXXX business days to respond. 
- I called Wells Fargo after XXXX business days ( XXXX XXXX XXXX ) because I had not heard back and was told that the case was closed but I had not received their resolution.

- Received letter after my phone call from Wells Fargo dtd XXXX XXXX XXXX just restating check was returned. Therefore, there is still no resolution.

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 2024-12-31 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: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) responded regarding the account ending in XXXX, purchased from XXXX XXXX XXXX  XXXX verified the account was opened on XX/XX/XXXX, and stated a balance of {$450.00} was due at the time of purchase. They indicated that an initial notification letter was sent on XX/XX/XXXX, and no disputes were recorded as received. 

XXXX affirmed their compliance with all applicable laws and indicated that they have the right to report account information to consumer reporting agencies without customer permission. They initiated a dispute investigation and have notified the reporting agencies of the dispute, emphasizing their commitment to reviewing all relevant 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Request for Correction on my Credit Report 15 U.S. Code 1681 Request to Removal of Closed Accounts Due to 2015 Experian Data Breach To request the correction of inaccurate information on my credit report. I have reviewed my report and found that incorrect names and addresses are listed, which could negatively affect my credit score due to the presence of inaccurate personal information. Under 15 U.S. Code 1681 and the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Additionally, I formally request the removal of any closed or charged off accounts that are not related to me from my credit report. As you are aware, the data breach that occurred in XX/XX/year> exposed during this incident the personal information of XXXX millions of individuals, including myself. I believe this exposure may have contributed to fraudulent or inaccurate information being included on my credit report. 

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any information affected by the breach be removed from my credit report within XXXX to XXXX business days after this claim has been received. I kindly ask that you review my credit report and remove any closed accounts or inaccurate information related to the breach that may still appear.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX {$8300.00} open XXXX, XXXX XXXX {$820.00}, {$6100.00}, {$3600.00} open XXXX, XXXXXXXX XXXX {$340.00}, resurgent receivables {$430.00} XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief