vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against Equifax regarding their failure to properly investigate and remove a fraudulent account appearing on my credit report. As a victim of the Equifax data breach, my personal information was compromised, which has resulted in fraudulent activity on my credit report. 
On reviewing my credit report, I discovered a fraudulent account listed under XXXX XXXX XXXX, Account # XXXX, which was opened in a state where I do not and have never resided. This account was not authorized by me and is clearly fraudulent. 
Upon identifying the fraudulent account, I promptly filed a dispute with Equifax, providing sufficient documentation to prove the account was opened without my consent. Despite this, Equifax has failed to conduct a reasonable investigation and has continued to report this fraudulent account on my credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block and remove fraudulent information from a consumers credit report once notified and provided with appropriate supporting documentation. The law mandates that : Upon receiving the consumer 's request and supporting documents, the credit bureau must block the reporting of information resulting from identity theft. 
This action must be completed within four business days. 
Equifax has failed to comply with these legal obligations, continuing to report inaccurate and damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-17 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-17 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: TX

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 : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
a credit card was open in my name an was used for XXXX dollars without my consent an has put a negative account on my file also a XXXX account for XXXX was open too again without my consent or knowledge an 3 incorrect addresses reported with 6 hard inquiry 's all without my knowledge an fraudulent i called multiple times each company an also put Mutiple disputes in this is affecting my credit negatively so I would like these removed immediately DUE TO THE FCRA RULES. PLEASE AN THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report today and noticed that 1 of the accounts with XXXX XXXX XXXX is over 7 years old and needs to be removed off my credit report immediately. Below are the accounts that are over 7 years old. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Someone went behind my back and pulled XXXX out of my house that I paid off. I have the certificate of satisfaction the mortgage company confirmed that my loan was paid off. I requested documentation pertaining to the new loan and they told me that I wasnt on it, and they can not disclose information on the loan against my property. I asked them to discharge the loan because I have no knowledge of a loan being against my property. Ive also asked them to produce documentation supporting the charge off of a fraudulent loan against my property XXXX XXXX XXXX XXXX XXXX has refused to comply and produce documentation that I requested within 30 days. I am now requesting under the statue of law. I have also provided the company XXXX XXXX loan services with proof that the loan was done fraudulently. XXXX XXXX is refusing to remove the mortgage from the property as I am occupying the property currently they are proceeding a foreclosure against my property that a fraudulent mortgage was done on that I did not sign any loan documents or sign a house over to any third-party and do not have any knowledge of a mortgage Until XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Upon checking my credit I noticed an account still in collections that was settled and paid over 2 years ago. This should not be reflecting as a collections account this is according to FCRA 15 USC 1681 I HAVE A RIGHT TO an ACCURATE CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have difficulty in providing the data in a cohesive manner due to the choices provided. 
My complaint is with PayPal Credit. My account was always paid 100 % on time and always greater than the minimum required. My payments are through XXXXXXXX XXXX XXXX XXXX  XXXX. For years this method was handled smoothly by PayPal ; however, approximately XXXX or maybe XXXX months ago, I began to receive my bill payments from XXXX and made payable to PayPal in the amounts of {$120.00} to my home address. The post office returned the checks to my home address marked : Returned to sender as undeliverable as addressed. When I received the first of the bill pay checks payable to PayPal, I attempted to contact PayPal via the internet. I found contacting PayPal and communicating with an live person virtually impossible. However, I finally spoke with a person after the 2nd check from my bank 's bill pay was delivered to my mailbox. The same notification was attached to the envelope. Tried again to communicate with PayPal and spoke with a person and they indicated they could not provide the address where to send my payments. I received a letter of collections from PayPal and in the collection letter was an address where to send the payments. I placed the two post office returned checks with similar data I am computing to CFPB. I received no response from PayPal they received the two checks forwarded. Unfortunately, the third check was returned to my due to the same reason previously noted. I finally received the correct address where to send my payments. Unfortunately, the time frame of receiving the correct address the third payment is in the process of being send to the appropriate address which was a change of address from the address my bank 's bill pay had on record. The third check will be sent to the official address now indicated by PayPal as correct. Had I received the address as initially requested this letter would be not necessary. PayPal has charged late fees, interest, etc. raising my balance in an explosive amount. Had PayPal only permitted me the correct address as initially requested all this could have been avoided.

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 monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Re : Complaint Regarding Debt Collection Practices National Credit Systems Inc. 

Dear CFPB Representative, I am writing to express my sincere concern regarding the handling of a debt collection issue involving National Credit Systems Inc., a third-party debt collector. I seek your assistance in resolving this matter promptly. 

On XX/XX/year>, I received an email from National Credit Systems Inc. notifying me of a debt allegedly owed by myself, XXXX XXXX, in the amount of {$4400.00} to XXXXXXXX XXXX XXXX XXXX. The email indicated that National Credit Systems Inc. was attempting to collect this debt on behalf of the current creditor. 

On XX/XX/year>, I responded to their email requesting the following information to verify their authority to operate in this capacity : 1. Proof of National Credit Systems Inc. 's authority to operate as a valid business entity within the state of Texas. 
2. Proof of their authority to act on behalf of XXXXXXXX XXXX XXXXXXXX XXXX in the collection of this debt. 
3. A complete accounting of this account, including on-ledger and off-ledger entries, for both the private and public sides of all transactions and records associated with this account. 

I explicitly stated that failure to provide a complete and adequate response within seven ( 7 ) days from the date of my letter would be considered acquiescence on their part. Silence would be taken as agreement, and non-response would be viewed as a failure to substantiate their claim of authority. 

Having received no response, I followed up with a cease-and-desist letter on XX/XX/year>, demanding that National Credit Systems Inc. cease all collection efforts regarding this alleged debt due to their failure to provide the requested documentation and legal authority to collect on this debt per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Copies of the letters sent to National Credit Systems Inc. are attached for your reference. 

On XX/XX/year>, I sent a Formal Request for Investigation and Correction of my credit report file concerning National Credit Systems Inc. and another creditor listed on my credit report file, including my supporting documents ( emails sent to the creditor ), to all three credit reporting agencies : XXXX, XXXX, and XXXX. Copies of the supporting documentation are attached. 

As of today, XX/XX/year>XXXX I have not received any response from XXXX, XXXX, or XXXX regarding my request, and there has been no change in my credit file. I feel I have been left with no other option but to file this complaint and request CFPB 's assistance in resolving this matter. 

Thank you for your attention to this urgent issue. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

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 : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-17 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: TX

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 : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Upon checking my credit I noticed bridgecrest credit c has listed an account on my credit report as charged off however I did not receive a 1099c and according to Reg. 1.6050P-1 ( b ) ( 2 ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

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 : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-17 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: FL

Complaint narrative:
I pulled my credit my Experian credit report and noticed that the XXXX XXXX XXXX account is older than 7 years and should be removed from my credit report immediately.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report and noticed that the CHILD SUPPORT ENFORCEMENT account is over 7 years old and should be removed from my credit report immediately. Below is the account and the account number CHILD SUPPORT ENFORCEMENT 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 explanation