vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Bank XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account Number:XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX  Account Number:XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac states it takes UP TO 60 days to process an assumable loan. It has taken 94 days to date. 

The loan was scheduled to fund XX/XX/year>. Now the loan won't be funded for another 5 days post closing. 

Calls after calls.. no answers .. no resolution. 

Their customer service department either places me on extended hold and returns with a scripted answer, or hangs up. 

I have asked for supervisors multiple times, but get handed off to coworkers. 

The names given are unreachable. 

The funding department has no contact information. 

The Title company unable to reach the people who send emails. 

I am unable to reach the 'loan officer ' XXXX XXXX XXXX .. XXXX No one ever answers that phone.. there is no voice that comes on identifying the number as PennyMac. The recording has no identifying information. 

The Assumption Department ( XXXX ) XXXX .. just answers the phone and brushes me off with scripted answers. 

I did NOT choose PennyMac to be my loan service provider. They purchased my loan from who I set up my initial mortgage through. 

I would NEVER choose PennyMac as a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
XXXX XXXX XXXX placed a paid charged off timeshare account on my report. Because it is a real estate transaction it is preventing me from getting a home loan. I have never had an account nor signed up for timeshare with XXXX XXXX. Furthermore I have never paid the more than {$15000.00} that was required to pay off the charged off account to XXXX. 

On XX/XX/year> I sent a certified debt validation letter to XXXX and they received it on XX/XX/year> ( proof will be attached ) They have not sent any documentation validating the account and it has been more than 30 days. I sent a second validation request yesterday. 

I believe someone else with my name had this account but they put it on my report. I have never signed nor conducted any business with 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 2024-08-13 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: SC

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-13 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: SC

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-13 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX Acct : XXXX Negative item on credit report keeps reappearing after successful removal. And all information is totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent dispute requests to XXXX, XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.

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 2024-08-13 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
am writing to file a complaint against Jefferson Capital Systems LLC, regarding their violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. This complaint concerns an alleged debt related to a XXXX charge-off in the amount of {$1300.00}. 

Details of the Violation : Creditor : XXXX Amount : {$1300.00} Collection Agency : Jefferson Capital Systems LLC Reference Number : XXXX Description of the Violation : Jefferson Capital Systems LLC has engaged in practices that violate USC 1692c, which outlines proper communication protocols in connection with debt collection. Specifically : They contacted me at times and locations that I have explicitly stated as inconvenient. Continued communication after being notified in writing that I refuse to pay the debt and wish for all further communication to cease. 

They disclosed information about this debt to unauthorized third parties without my consent. 

These actions are intrusive, harassing, and directly violate the federal law designed to protect consumers from abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( 2011 ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.

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 2024-08-13 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: IL

Complaint narrative:
After I checked my credit profile I seen some inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I Have a fraud loan of {$5400.00} reporting on my XXXX  account with a fraud address ive never lived in in another state plus inquiries. i reported this FRAUD to the local police dept the FTC, IC3 & now the CFPB about the fraud loan i NEVER APPLIED FOR MYSELF.

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 2024-08-13 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: FL

Complaint narrative:
I Have a fraud loan of {$5400.00} reporting on my XXXX  account with a fraud address ive never lived in in another state plus inquiries. i reported this FRAUD to the local police dept the FTC, IC3 & now the CFPB about the fraud loan i NEVER APPLIED FOR MYSELF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$8700.00} XXXX XXXX XXXX. {$2000.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX. {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Lands End offers a {$20.00} reward if a new purchase outside of Lands End is made within a certain period. Despite my doing this, they did not send the reward. They sent a lower amount and made it expire quickly, and still have not sent the {$20.00} they advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. XXXX XXXX XXXX XXXX and JP Morgan Chase is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX XXXX XXXX XXXX is reporting {$16000.00} of canceled debt that is considered income and JP Morgan Chase is report {$1300.00} that is considered income. XXXX XXXX XXXX XXXX and JP Morgan Chase is also in violation of the Privacy Act of XXXX and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opting out. XXXX XXXX XXXX XXXX and JP Morgan Chase have canceled the debt and did not send a 1099c as required by the IRS and are still trying to illegally collect on discharged debt. Because of this violation, the accounts are to be remove from my consumer report immediately due to reporting of inaccuracy. This is a last attempt to resolve the this issue as notices have been sent out on XX/XX/XXXX and have been unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
ROBINHOOD HAS RUINED MY FINANCIAL LIFE. I CAN NOT PAY BILLS NOR HANDLE MY OWN MONEY. THEY HAVE CLOSED MY ACCOUNT WITHOUT WARNING, RESTRICTING ME FROM ACCESSING MY FUNDS WHICH ARE MY ONLY FUNDS I HAVE. I BANKED WITH THEM AND HAVE USED ROBINHOOD FO ABOUT 5 YEARS NOW. THEY HAD ABSOLUTELY NO REASON TO CLOSE MY ACCOUNT AND I VERIFIED EVERYTHING THEY ASKED. I NEED TO BE ABLE TO ACCESS MY MONEY. I CAN NOT PAY MY BILLS

Company response to consumer: Closed with explanation