vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: FL

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 explanation
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Forbearance because I was in 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This company IC Systems INC has called me and my family members over 10 times in a day. threatening to suit me and destroy my credit and has even went as far as telling my mom my personal medical history. i have never sign any contract with this company or never have made any agreement its causing me sleepless nights and more health problems. According to HIPPA law HIPAA and Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 
The Privacy Rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
I am requesting you promptly rescind all such account information furnished to IC Systems and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. 
You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care 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 2024-07-07 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: FL

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of Limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account from my report immediately : Account name : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my credit report and notice I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report. These fraudulent accounts are hurting my ability to obtain credit and buy a home.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac reported inaccurately that my mortgage payment was 30 days late, on XX/XX/year> ; which resulted in decreasing my score from XXXX to XXXX. I send the payment from my bank, monthly. Which I can easily prove with bank statements. PennyMac also has stolen money from my escrow to cover false " late fees ''. They sent me a threatening letter to stop posting in a XXXX XXXX with other people complaining about this same problem. Their letter also offered zero explanation, just more lies regarding the fees. I have paid well before the actual late date which is mid-month. When they tanked my XXXX XXXX, I had actually paid twice, once for XXXX and for XXXX. They are XXXX and scare people with letters and XXXX phone calls. I have worked incredibly hard to build my credit up and for them to destroy it over false pretenses is devastating. I filed complaints with the credit bureaus but that got me nowhere. A member of this XXXX XXXX posted you all were a great help and I am hoping the same. I can't even sell this house and buy another as with them messing up my credit, I wouldn't qualify for a new mortgage. Their actions are truly criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Please see attachments. 

This creditor goes by so many names : XXXX, which is also XXXX and Ashely furniture store synchrony bank. Creditor is confusing consumers. 
Account ending n XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXX XXXX this previously. 
Also, in collections, so the balance should say 0 with no activity And account was also paid by the insurance premium in the finance charge This is corporate 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 2024-07-07 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a charge off listed on my credit report, account number XXXX, which inaccurately reflects an unpaid debt. The erroneous nature of this entry stems from the fact that I never received a Form XXXX related to this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Pursuant to this right, I request a thorough investigation into the validity of the charge off in question. 

The debt in question allegedly arose from [ Brief Description of Debt, e.g., a credit card, loan, etc. ], with the creditor being XXXX XXXX. Despite diligent efforts to maintain communication regarding my financial obligations, I did not receive any correspondence or notifications regarding the issuance of a Form XXXX from the creditor or any affiliated entities. 

It is imperative to highlight that the non-receipt of the XXXX XXXX hindered my ability to appropriately address any tax implications associated with the discharged debt. Furthermore, it is crucial to emphasize that the absence of this crucial documentation casts doubt on the accuracy and legality of the charge off reported on my credit profile. 

In light of the above, I kindly request the following actions : Verification of the accuracy of the charge off and the associated debt. 
Confirmation of whether a Form XXXX was issued for the debt in question. 
Removal of the charge off from my credit report if it is found to be inaccurate or incomplete. 

I understand that you have 30 days to investigate this matter, as per the FCRA. Therefore, I anticipate a prompt response within this timeframe. 

Please find enclosed copies of relevant documentation supporting my claim, including proof of my attempts to communicate with the creditor regarding this matter. 

Thank you for your attention to this matter. I look forward to the resolution of this dispute and the accurate representation of my credit profile. 

Sincerely, 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 explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a charge off listed on my credit report, account number XXXX, which inaccurately reflects an unpaid debt. The erroneous nature of this entry stems from the fact that I never received a Form XXXX related to this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Pursuant to this right, I request a thorough investigation into the validity of the charge off in question. 

The debt in question allegedly arose from [ Brief Description of Debt, e.g., a credit card, loan, etc. ], with the creditor being XXXX XXXX. Despite diligent efforts to maintain communication regarding my financial obligations, I did not receive any correspondence or notifications regarding the issuance of a Form XXXX from the creditor or any affiliated entities. 

It is imperative to highlight that the non-receipt of the XXXX XXXX hindered my ability to appropriately address any tax implications associated with the discharged debt. Furthermore, it is crucial to emphasize that the absence of this crucial documentation casts doubt on the accuracy and legality of the charge off reported on my credit profile. 

In light of the above, I kindly request the following actions : Verification of the accuracy of the charge off and the associated debt. 
Confirmation of whether a Form XXXX was issued for the debt in question. 
Removal of the charge off from my credit report if it is found to be inaccurate or incomplete. 

I understand that you have 30 days to investigate this matter, as per the FCRA. Therefore, I anticipate a prompt response within this timeframe. 

Please find enclosed copies of relevant documentation supporting my claim, including proof of my attempts to communicate with the creditor regarding this matter. 

Thank you for your attention to this matter. I look forward to the resolution of this dispute and the accurate representation of my credit profile. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
They said I have applied to a secure loan with them but I never have applied for any loans and never have made a payment on the account. I asked them to validate this account by sending me all the information that I need in order to validate and they never did. In addition, they continuously reporting such accounts to the credit bureaus. Specially XXXX that in going agains the law with the charge off accounts. I know my rights that every charge off accounts after written off they should sent me a 1099c I could filled for taxes but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: AL

Complaint narrative:
From the start of the contract the information provided to the creditor was wrong. They had my name down as the person responsible for the contract but the vehicle did not belong to me. I was the co-signer. Once the car was repossessed I contacted the creditor ( vw ) to request information about the contract before the vehicle went up for auction. I gave them my correct contact information and even called a few times after speaking with them asking why I had not received any information about the vehicle and explained to them that under the laws in the state of Alabama I along with the original person who purchased the vehicle had the right to be contacted first to have a chance to buy back the vehicle in which vw failed to do so. I didn't receive anything from them until XXXX of XXXX XXXX about the vehicle at that point the vehicle had already been sold at auction. Now inaccurate reporting is being done on my credit report for this account. It says the account has been paid off at 100 % but still shows a high balance of XXXX. It does not show anything about the vehicle being sold or a new amount that's owed after the resale of the vehicle. My FCRA rights have been violated on so many levels from this account alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I bank with chime and my account was charged numerous time from XX/XX/year> to XX/XX/year> for a total of {$4000.00} by XXXX. I do not know who this merchant is and have explained that to chime but they denied me getting my money back twice!!! My phone and card was stolen at the mall and all my information was compromised as explained. I stated I just want my money back in my account and that merchant to be blocked so no future transactions are made. This was my bill money for the month and now im out of luck because I have no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
Experian, XXXX and XXXX failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within XXXX business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to Experian, XXXX and XXXX previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of Experian, XXXX and XXXX investigations, Experian, XXXX and XXXX stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, Experian, XXXX and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, XXXX and XXXX are required to ... promptly DELETE all information which can not be verified.

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 2024-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: CA

Complaint narrative:
It does not matter howe many times I try to check out, or what page ( store ) I'm checking out from I will NEVER get approved by Afterpay. I'm sure they confusing my information with other customers, otherwise there's no other explanation. I keep on sending emails and I keep on getting the same response. This is getting out of hands and I believe they're something ( human made ) overriding those decisions. It makes no sense I have {$600.00} credit line and never been able to use it. Credit score on the XXXX and clean and secondaries credit bureaus also clean. I have no idea what is going on. 

Account needs to be refreshed, overridden and manually set to approve me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: IN

Complaint narrative:
I do not have a contract with the current creditors. Please remove the following accounts from my credit report.

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