vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
I have made multiple attempts to dispute NCB Management Services. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: PA

Complaint narrative:
This morning, I was stunned to find incorrect accounts on my credit report, and I dont understand how this happened. I check my credit report often, but suddenly, discrepancies showed up out of nowhere. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies were still there. Because of this, Im asking that the documents I've provided be carefully reviewed so I can finally stop stressing over this.

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 2024-10-23 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/year> I've made an investigation on LexisNexis regarding some improper information on my report. On XX/XX/year> I've received a letter stating that the list of errors were removed from my report. 
However when I received a new copy of my Lexisnexis Report on XX/XX/year> I still see the accounts on my report that Lexisnexis said was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MO

Complaint narrative:
On XX/XX/year> I checked my credit report and noticed an inquiry from XXXX XXXX XXXX on XX/XX/year>.

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 2024-10-23 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: MO

Complaint narrative:
On XX/XX/year> I checked my credit report and noticed an inquiry from XXXX XXXX XXXX on XX/XX/year>.

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 2024-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: AZ

Complaint narrative:
Cobb Law is attempting to collect a debt that is not owed. I did not renew a contract with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

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 non-monetary relief
Consumer complaint received 2024-10-23 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: TX

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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/year> I saw some incorrect items on my credit report I reached out to the company where they did not delete the request requested items off of my credit, due to the fair credit act these items below shouldve been deleted. 

XXXX. XXXX ( Account XXXX : XXXX ) ** The payment history reflects inconsistencies in late payments, especially regarding the XXXX late report compared to other bureaus. 
XXXXXXXX XXXX XXXXXXXX ( Account XXXX : XXXX ) ** The account is closed by the grantor, yet payment history reflects ongoing issues, suggesting errors in reporting. 
XXXX. XXXX ( Account Number : XXXX ) ** The account is marked as charged off, yet there is no clear explanation regarding the history of disputes and the current balance. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The report indicates the account was transferred or sold, but the payment history does not reflect this change. 
XXXX. XXXX XXXX ( Account XXXX : XXXX ) ** The account shows a discrepancy between the charged-off status and dispute resolution, suggesting incomplete updates. 
XXXX. XXXX  ( Account XXXX : XXXX ) ** The account is closed and paid, yet the payment history shows inconsistencies with the date of closure and balance resolution. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The account shows involuntary repossession, but the balance and last payment dates do not match other reports. 

As per the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to perform reasonable investigations and report only accurate, complete, and verifiable information. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an investigation determines that disputed information is incomplete, inaccurate, or unverifiable, Equifax is required to delete or modify the information accordingly. Since Equifax has failed to meet these standards, I believe the only fair resolution is the complete removal of the disputed accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to file a complaint regarding an unauthorized third-party collection appearing on my credit report. I have no record or knowledge of the debt that this third party claims I owe. The collection agency has not provided any verification or validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and assist in having this illegal collection removed from my credit report. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
There was an unauthorized charge on my XXXX XXXX XXXX 

purchase date : XX/XX/year> Amount : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

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 2024-10-23 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: MD

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 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: TX

Complaint narrative:
Caller called my personal phone XXXX back to back on each number and my work number and main number XXXX back to back. I never consented to called on recorded line I stated no when asked after speaking to me about the situation and when asked to call back the caller ignored my request and kept on talking and asking for money and did not acknowledge my request. I am in fear of losing my job because of this and I need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: PA

Complaint narrative:
Unauthorized inquiries suddenly appeared on my credit report this morning, and I have no explanation for why. I routinely check my report, but these discrepancies are completely new. I even tried refreshing my browser in case it was a technical issue, but the inquiries stayed. I demand that my documents be reviewed promptly so I can put this stressful situation behind me for good.

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 2024-10-23 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: TN

Complaint narrative:
I have been violated in numerous ways by these companies as federally protected consumer I have late payments I need updated immediately to paid as agreed this information is not reporting accurately and harming me tremendously. 15 USC 1666b also 15 USC 1681 these United States codes are being violated. According to 16 CFR 313 I have the right to privacy, as well as 15 USC 1681 inquiries need to be deleted immediately thank you for you duties to help consumers stay protected from predatory lending in the United States of America in God we trust!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TN

Complaint narrative:
I have been violated in numerous ways by these companies as federally protected consumer I have late payments I need updated immediately to paid as agreed this information is not reporting accurately and harming me tremendously. 15 USC 1666b also 15 USC 1681 these United States codes are being violated. According to 16 CFR 313 I have the right to privacy, as well as 15 USC 1681 inquiries need to be deleted immediately thank you for you duties to help consumers stay protected from predatory lending in the United States of America in God we trust!

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 2024-10-23 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: NC

Complaint narrative:
I recently checked by credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
I recently checked by credit report and saw accounts reporting that I do not recognize

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I reached out to PennyMac by phone on XX/XX/XXXX regarding a delinquency reported on my credit report. The agent, XXXX could not explain the delinquency and told me the XXXX department would reach out in XXXX  days. XXXX  days passed and the response was that they still had not update. On XXXX, they responded that their legal department would respond. On XX/XX/year>, I was still awaiting a response. XXXX, I received a response that their legal department declined my request to correct my credit report but still with no explanation of why the inaccurate information was reported.

Additionally, PennyMac has closed a renovation loan that had {$34000.00} of funds unused. Those funds, according to my closing documents were to by applied to my principal balance in the form of a principal reduction within 30 days of closing the loan. It has been over 2 months and those funds have not been applied to my principal balance. I reached out to the renovation XXXX regarding this error and he said he would reach out to another department. Again no action has been taken to fix the error. 

This company consistently engages in shady practices and needs to be closed due to their mismanagement of client accounts. Especially since the consumer has no way of stopping Pennymac from purchasing loans, forcing the client to do business with them or pay large fees to refinance.

The documents I have attached show payments to PennyMac from my bank account. The additional document shows my loan activity with no principal balance reduction for the unused renovation funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a transaction went through for an unauthorized purchase of around XXXX dollars made in XXXX XXXX, which is nearly two hours away from my location, on my AMEX gift card. About two days later, I called AMEX to dispute the charges, and they opened up a case. After waiting for around a month, they contacted me saying that my dispute was declined, and now I'm XXXX dollars short.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
I have had one subsidized loan and one unsubsidized loan. Both reached 120 qualified payments in XXXX XXXX the unsubsidized loan was forgiven but not the other. I contacted the dept of education and they said they sent the approval to mohela but have yet to be forgiven. MOHELA is saying they dont have approval

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief