vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and fraudulent account : NAVIENT XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXX XXXX XXXX XXXX  in amount of 1998

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 2022-06-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Experian, and XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXX XXXX XXXX XXXX  in amount of 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}

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 2022-06-15 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:
In accordance with the fair credit reporting act XXXX  these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: NV

Complaint narrative:
I am being continually harassed on acctXXXX for the student loan debt of a stranger with a different name that has NEVER lived in my home of XXXX yrs. On XX/XX/22 our mail carrier confirmed the borrower lives at XXXX XXXX XXXX. Despite numerous contact attempts the collector refuses to update the records of a {$20000.00} debt comprised of {$6000.00}, {$6000.00}, {$4500.00} & {$3500.00} so that's the total I'm considering suing for in defamation & damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( EQUIFAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/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 2022-06-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
INACCUCRACIES ON CONSUMER REPORT XXXX  ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus me.

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 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
This is a request to open a previously submitted CFPB Complaint # XXXX. I've received a follow-up from the originator of my refinance XXXXXXXX XXXX  regarding a previous CFPB complaint case made against XXXX and the follow-up read as follows : " XXXX reviewed the closing of this loan upon receipt of the complaint. XXXX found that the the loan was closed correctly. The error is on Investors side once the loan was sold and went into their onboarding for servicing. The investor was contacted and confirmed that they had received a complaint as well, which they are in the process of researching. XXXX XXXX, XXXX customer service manager, spoke with the borrower to inform him of this. The borrower confirmed that he was also been contacted by the investor & is aware that they are reviewing and will be providing him with a resolution. '' As previously brought to Penny Mac 's attention in my initial CFPB complaint case, it was Penny Mac 's responsibility to ascertain the taxes due on the loan before closing. I wouldn't have had any control the calculations and determinations of my final refinancing of my loan ; that's Penny Mac 's responsibility. Penalizing me and requiring me to augment my pay structure to compensate a sizeable tax increase on the error of Penny 's fault, should be on them and not me. If Penny Mac did it's job correctly, and had the proper XXXX  and procedures in place, they would have accounted for the tax increase prior to the closing and the final interest rates and payment structure. Due to Penny Mac 's failed actions, I had to adjust my refinancing after the fact and be financially injured to less than optimal payment arrangements than had Penny Mac accounted for the increase before closing the loan. Due to their error, I had to adjust my own personal finances to absorb this unexpected obligation. Typically, property taxes may change over time and that's by nature, but for this to have occurred soon after closing speaks volumes to Penny Mac 's credit and lending administration practices and procedures.

Penny mac refuted my complaint and buried me in technical jargon to escape blame of obligation to do their job. Shame on you Penny Mac. Using technical nonsense to explain why you are not at a fault to an innocent borrower is disgraceful and again is why we need agencies, such as the CFPB. Despite your conclusions, it is your failed processes that got me in this mess and it is your failed processes that has caused me financial injury and embarrassment by the local tax office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are inaccurately reporting my payment history .. Ive tried explaining to them and provided proof .. the inaccurate payment history is affecting my credit in a negative way as i have maintained stellar payment history. XXXX correctly displays my stellar payment history.

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 2022-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in 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 2022-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NJ

Complaint narrative:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF accounts XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.

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 2022-06-15 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX  XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry CREDIT ACCEPTANCE Inquired on XX/XX/XXXX company caused a hard inquiry. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry

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 2022-06-15 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: Bepensa Capital, Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX  Inquired on XX/XX/XXXX company caused a hard inquiry XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry. 

AFS ACCEPTANCE LLC Inquired on XX/XX/XXXX company caused a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF accounts XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation