vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Mortgage comp failed to disclose county tax bills and now have to paid for taxes and penalties. Mortgage comp will not disclose phone calls alleging that they did in fact advise me on that issue. I have no issue paying my county taxes but not the penalties. I have ask mortgage comp for phone calls alleging that in fact they informed me of the issue which they will not provide me with. This cause my mortgage to rise a lot which I can not afford not only that stress on myself as a sole provider of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed the student loan account with XXXX  for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for my loan applications.DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX XXXX****,DEPTEDXXXX  XXXX**** and DEPTEDXXXX  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 2019-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hi I looked at my XXXX  credit report and there are at least 5 fraudulent inquiries with American Express on XX/XX/XXXX and XX/XX/2019 and I never applied for a credit card and I notified American Express and they Mark few credit cards application as fraud and told me they will be removed and never did at all and as for XX/XX/XXXX inquiry American Express told me they don’t go back 6 months and they nothing they can’t do .... and I’ve been waiting and I never received a letter from them I stated that I never applied for a XXXX XXXX  on XX/XX/XXXX and other cards afterwards and I would like for these inquiries removed from my XXXX  credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: CO

Complaint narrative:
In this description I will repeat myself several times, because God knows Equifax with Claim they don’t know what I’m asking for.… They do this because they don’t want to correct their errors.I have tried repeatedly to get Equifax to correct this fraudulent account. I don’t understand how Equifax is not sanctioned and fined more than they already have been.  Beyond breach; their systems are poorly ran - their completely incompetent and they never check fraud properly.  Leaving consumers to consistently have to waste time on via phone, mail and Complaints to this agency.   There’s a tiny collection from XXXX on my account,  It’s only $XXXX  but I never authorized this debt. If I had I would’ve paid it!  For gosh sake’s it’s only $XXXX but it’s not mine. I first tried to dispute because I’m not sure how it ended up onReport.I never approved nor signed for this service. Yet once again Equifax fails to ask for proof in writing. I demand written proof with my signature approving any and procedure for this date of service. I know it doesn’t exist because I never authorized service from this company from this time period.My demands1. Demand of proof of signature or authorization of service.2. Removal immediately - Since I know I did not authorize this they should be immediate!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX - Acc # XXXXXX - PAID This was disputed and then removed from my credit report under the name "DIRECT LOANS", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor.DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX   XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXXL/XXXX - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the 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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor. DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX 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 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****,XXXX XXXX****,XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****,XXXX   (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**,XXXX XXXX XXXX XXXX****,US DEP ED XXXX****,US DEP ED XXXX**** andXXXX 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 2019-08-19 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX   XXXX****, XXXX (Original Creditor: 1XXXX XXXX XXXX) XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX**** and 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 2019-08-19 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX   XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX**** and XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  and 	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 2019-08-19 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: FL

Complaint narrative:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX  - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX  was a fraudulent account, but is now showing as closed with "failure to pay" in the 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 2019-08-19 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: FL

Complaint narrative:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX - Acc # XXXXXX - PAID This was disputed and then removed from my credit report under the name "DIRECT LOANS", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX,XXXX XXXX,XXXX,XXXX XXXX XXXX,XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:I did not authorize the said inquiries, please delete.XXXX XXXX XXXX,XXXX/XXXX XXXX XXXX,XXXX XXXX and 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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting negative information on my credit file. I’ve requested validation multiple times and they have failed to provide this information. The account was previously sold to XXXX XXXX XXXX. They have ceased all collections and removed the collection account from my credit file. I’m addition I received notification from XXXX XXXX   and equifax that the XXXX XXXX account had been removed from my credit reports. As of today it is still reporting negatively. I am requesting for the account to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a delinquency reporting in my payment history, although I have no delinquent accounts. So my credit report shows that all my accounts are paid with no late payments, but simultaneously it says I have a late payment dated 2 years and 4 months ago.

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 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust has lied to me and told me that funds for a check were being held due to “inside banking information that the funds would not clear” for my BUSINESS ACCOUNT.  This was AFTER I told them I did not want to have a banking relationship with them as well as AFTER the funds were already cleared the next day which allowed me to pull the balance to transfer out and make a XXXX balance.  On top of that, they have the nerves to apply fees to my account for their lie.  I wanted to close the account to begin with due to inconsistent information given to me and bogus overdraft fees for small amounts to my account as low as a $XXXX for a $XXXX charge as well as picking and choosing which transactions they want to go thru on the account to apply numerous fees.  I have stated many times before to them, if the money isn’t there don’t allow the transaction to go thru but they keep doing it to get more and more money.  Over $500 in fees in one month alone!!!  I am not only sending this complaint to XXXX but CFPB and collecting others to join in on a class action suit to file.  They are ridiculous and liars.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, how are you writing this regarding some FRAUDULENT queries in my credit report already filed and the same complaint, for someone else is using my personal information to try to open accounts in my name, please remove all these fraudulent queries 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
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX  flagged my credit report for a debt that is not mine. This account shows up on my credit report as flagged and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights Remove XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, how are you writing this regarding some FRAUDULENT queries in my credit report already filed and the same complaint, for someone else is using my personal information to try to open accounts in my name, please remove all these fraudulent queries from  my credit report ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent several requests for dispute via certified mail and the results come back as verified and accurate but bo proof of this has been provided by the credit bureau. Per the law; the credit bureau has an obligation to provide me with the information they have that states this is item that is on my personal file actually and factual belongs to me and they have not done that.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights RemoveXXXX, 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 explanation