vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac Files Notice of Data Breach That Leaked Thousands of SSNs XXXX XXXX, XXXX. 

On XX/XX/year>, PennyMac Loan Services sent out data breach letters to anyone who was affected by the recent data security incident. These letters should provide victims with a list of what information belonging to them was compromised. According to the Texas Attorney General, these notices went out in the mail to all XXXX Texas victims of the PennyMac data breach. Of course, there are likely additional victims throughout the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
On or around XX/XX/year>, I submitted a written request to MOHELA to report the most up to date information about my loan statuses to all three credit report agencies. No changes have been applied my credit reports and I have not received a response from MOHELA. MOHELA stopped reporting to all three credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : 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 ( TransUnion, XXXX, XXXX ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to 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 2024-12-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Collection account came back as verified and accurate

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 2024-12-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA
State: CA

Complaint narrative:
To Whom It May Concern, As for an opening statement, I could not find a pertinent box to my Student Loan Discharge! So I selected the closest one, though I have not filed bankrupsy! 
I am writing you with a reference I found on line posted by XXXX XXXX XXXX XXXX about Mohela their contractor 's miosconduct! Which all of the above applies to me! 
XXXX XXXX and XXXX I have a student loan settlement through XXXX XXXX XXXX as well! XXXX XXXX I have contacted XXXX XXXX  XXXX in regards and they said to call Mohela directly! 
After numerous attempts of calling Mohela, I am yet to reach an analyst passed the recorded message asking for a check! 
My Loan was fraudulent initially through XXXX XXXX and they have had their share of lawsuits in regards! I was one taking action on XXXX  as well! XXXX XXXX XXXX. was my representing attorney which the case ended up being taking the thief to its chief like story! Meaning I don't know what happened to it after a couple of court hearings. thereof! 
Back to the post the XXXX loans initiated for around {$3000.00} each and the rest is what Mohela has added on as well! 
Furthermore, this loan was XXXX by XXXX XXXX XXXX due to my being retired and living off of a {$620.00} XXXX monthly and some XXXX! I am facing multiple health problems such as XXXX XXXX, XXXX and now XXXX XXXX related XXXX XXXX! Mohela the worst of all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: IL

Complaint narrative:
Subject : Formal Dispute and Demand for Removal of Unauthorized/Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute and demand the removal of several credit inquiries listed on my credit report that are not attached to any open account and/or were not authorized by me. The presence of these inquiries violates my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the permissible use and accuracy of consumer credit information. 

1. Violation of FCRA Inaccurate Credit Reporting The credit inquiries listed below are not connected to any open or active account, nor were they authorized in compliance with permissible purposes under : 15 U.S.C. 1681b : Permissible purposes of consumer reports. 
Credit inquiries should only appear on a consumers report if they were authorized or resulted from a transaction initiated by the consumer. Reporting unauthorized or inaccurate inquiries constitutes a violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of consumer credit information. 
2. Credit Inquiries in Question The following inquiries are inaccurate and must be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 3. Negative Impact on Credit Profile These inaccurate inquiries are unfairly affecting my credit score and overall creditworthiness, resulting in material harm to my financial reputation. 

4. Request for Immediate Removal of Disputed Inquiries To resolve this matter, I demand that your agency : Investigate and verify each disputed inquiry listed above. 
Immediately remove any inquiry that can not be verified as authorized or attached to an open account. 
Provide a written statement confirming the removal of these inquiries and an updated copy of my credit report reflecting the changes. 

5. Legal Consequences for Non-Compliance Failure to investigate and correct these inaccuracies within the time frame required by law ( 30 days ) may result in legal action to enforce my rights under the FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if these inquiries are not promptly removed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NY

Complaint narrative:
I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Experian credit 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 XXXXXXXX These nine accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

Specifically, I want 9 accounts removed.

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 2024-12-08 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: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to address the discrepancies on my credit report, which I have been reviewing to secure housing for my family. Upon examination, I found two charge-off accounts with Jefferson Capitol , despite having no contractual agreement with them. When I requested validation proof through my signature, I received a bill with payment arrangements for one account, but no signature proof was provided. Following my disputes, which began in XXXX, the accounts were reopened, and I was assured of the accuracy of the information, but no supporting documentation was provided. I have previously contacted XXXX regarding this matter multiple times, most recently on XX/XX/XXXX. According to 15 U.S. Code 1601-1667f, I dispute the accuracy and fairness of these accounts, which I believe constitute defamation of character and hinder my ability to provide shelter for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A data breach at XXXX XXXX, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced byXXXX XXXX XXXXXXXX An unauthorized party apparently a ransomware group known asXXXX accessed the customers ' information through XXXX XXXXXXXX XXXX  system, notXXXX XXXX XXXX XXXX according toa letterXXXX XXXX sent to affected customers, publishedby Maine 's attorney general.XXXX XXXX XXXXprovided standard two-year identity theft protection to the affected customers. 

The breach occurred XXXX XXXX, according to the letter, and XXXXXXXX XXXX notifiedXXXX XXXX XXXXabout the breach on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A data breach at XXXX XXXX, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced byXXXX XXXX XXXXXXXX An unauthorized party apparently a ransomware group known asXXXX accessed the customers ' information through XXXX XXXXXXXX XXXX  system, notXXXX XXXX XXXX XXXX, according toa letterXXXX XXXXXXXX sent to affected customers, publishedby Maine 's attorney general.XXXX XXXX XXXXprovided standard two-year identity theft protection to the affected customers. 

The breach occurred XXXX XXXX, according to the letter, and XXXXXXXX XXXX notifiedXXXX XXXX XXXXabout the breach on 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 2024-12-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have submitted a report recently about being scammed. I have reached out to capital one and it is very frustrating that after multiple investigations they still cant seem to help me. I have lost a lot of money and I am struggling to recover from this. I will be attracting an imagine if the person literally sending a picture of them in my account. I have a new account with capital one so if I am helped with recovering my funds they will be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: MOHELA
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX  XXXX, XXXX, an auto loan account opened at XXXX XXXX XXXX and XXXX XXXX XXXX also student loans with Dept Nelnet under multiple account numbers, and a collections account opened at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FC HoldCo LLC
State: TX

Complaint narrative:
I want all these hard inquiries remove I did not authorize to run my credit its fraudulent. The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
Details of the Complaint : I am filing this complaint regarding Velocity Investments failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and their improper handling of a disputed debt. 

1. Failure to Validate the Debt ( 15 U.S.C. 1692g ) : Despite my written request for debt validation, Velocity Investments has not provided : A copy of the original contract between me and the original creditor, XXXX. 
A clear breakdown of the debt, including principal, interest, and fees. 
Proof of their legal right to collect this debt, bill of sale, contract of loan sale, purchase and sales agreement or chain of title. 


2. Violation of Arbitration Agreement : The original agreement with XXXX includes a binding arbitration clause requiring disputes to be resolved outside of court. Velocity Investments ignored this clause and initiated a lawsuit, violating federal arbitration laws.

3. Misrepresentation of Legal Status ( 15 U.S.C. 1692e ) : Velocity Investments has misrepresented the legal status of this debt, including falsely implying that they have provided sufficient validation.

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 2024-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCG Equities, LLC
State: PA

Complaint narrative:
I initially got the vehicle from XXXX XXXX The vehocle broke down and I was unable to trade it in due to condition make and model of the vehicle. Did a voluntary repo. offered to make {$50.00} payments per month to pay off remaining bal owed. Was advised by company who took over for XXXX XXXX  after they closed they would only be able to accept payments of XXXX XXXX monthly. i informed them that I was unable to pay that much per month. Next thing I know a new debt collection agency bought the debt and sued me for it. i wasnt able to make the court date due to having to work. Now I dont know what to do

Company response to consumer: Closed with explanation