vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

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

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I made a Credit Card Payment to BarclayCard US ( Barclay ) in XX/XX/2023. Barclay acknowledges they received the payment and I have supplied them with the ACH Trace ID number as proof. Barclay alleges they returned the payment 5 days later to my credit union but refuses to provide legitimate proof ( such as an ACH Trace ID number ) this actually happened so my financial institution can research it. My financial institution does not have any transaction history that Barclay returned the payment. Barclay believes they are still owed this payment and have been charging late fees and interest which are negatively affecting my credit worthiness. Funds were removed from my account by Barclay and not returned.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am an XXXX XXXX XXXXXXXX XXXX and have banked with PNC bank for over 25 years. A check was made out to my insurance company XXXX XXXX and mailed out in the amount of {$120.00}. I found out a few months later, after my insurance company saying I never made my payment, that my check was washed and altered to {$920.00} and made out to a XXXX named XXXX and cashed. I then filed a dispute with the bank and they denied the dispute and never mailed me an explanation. I am an XXXX XXXX  that lives off of my social security and {$900.00} is a lot of money to let it go. You can clearly see the check was altered and the handwriting is not the same. I would like something done about this and my funds returned to me. Not only am I out the {$920.00} this guy fraudulently cashed, but I also still had to pay that month owed to my health insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
Complaint Against Select Portfolio Servicing , Inc. for Incorrect Tax Payment and Non-Refund of Overpaid Amount. 

I am writing to file a formal complaint against Select Portfolio Servicing, Inc. regarding an incorrect tax payment made from my loan escrow account and the subsequent failure to refund the overpaid amount, resulting in a significant increase in my monthly loan payments. 

On XX/XX/XXXX, Select Portfolio Servicing, Inc. erroneously disbursed {$45000.00} from my loan escrow account for a tax payment. This incorrect payment led to an increase in my monthly loan payment from {$11000.00} to {$22000.00}. Despite numerous attempts to resolve this issue through calls, emails, and mailed communications throughout the past year, the company has failed to refund the full amount to my escrow account. 

Furthermore, I received a Dispute Resolution Letter from Select Portfolio Servicing , Inc. on XX/XX/XXXX. The letter inaccurately stated that the tax disbursements were in accordance with information from the county website. However, there is no document supporting the payment of {$45000.00} made on XX/XX/XXXX. 

The letter also mentioned an adjustment of {$11000.00} has moved to this loan, but this adjustment was not reflected in the accompanying escrow disbursement history. 

Additionally, the Annual Escrow Account Disclosure Statement I received on XX/XX/XXXX, from Select Portfolio Servicing , Inc. shows an estimated disbursement of {$47000.00} for city tax, which is disproportionately high compared to taxes for my other XXXX properties. This suggests that Select Portfolio Servicing , Inc. has not acknowledged their error and may repeat the same mistake in future payments. 

This situation has caused me significant financial strain and distress. I request your urgent intervention to resolve this matter. I am seeking a full refund of the overpaid amount to my escrow account, an adjustment to my monthly payments to the correct amount, and a thorough investigation into the practices of Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, names/spelling and addresses where I have never lived. I've reached out to one company in question, which is called the XXXX XXXX. They are stating that I leased and actually lived there. However, this is inaccurate. I have been a resident at my current home since XXXX, which is where I have lived since birth along with my parents. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
My student loans show deferred with payments to begin XX/XX/2025 yet my student loan account is paid in full see photo attached.

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 2023-12-11 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: TX

Complaint narrative:
I have no knowledge of this account listed as XXXX XXXX XXXX XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I refuse to pay any debt to XXXX XXXX XXXX account # : XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: VI

Complaint narrative:
I was affected by the XXXX breach and believe I am a victim of identity fraud. I asked for proof that accounts were mines and all they sent were statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
After opening this free checking account for XXXX XXXX, I was not able to perform online transaction without a PIN number. Customer Service stated that they would mail me the no. I never received it. I had to call several more times but in the meantime I got a dormant account penalty of {$5.00}. On XXXX. I called local XXXX, Mo. branch and talked to XXXX XXXX and he told me that he would have the bank manager reimburse me the {$5.00}. Then on XXXX I checked for the reimbursement and found out not only was it not taken off but an additional {$5.00}. Was placed onto my account which made {$10.00}. Dormant fees for an account that I couldnt use because they never would send me the PIN number. I talked to XXXX at XXXX branch and he promised me that the XXXX. Would be reimbursed but it never was. 
I went to the bank branch on XXXX and asked XXXX again to refund me and he said that he could not. I had to close the account to keep from taking more of my money. 
I feel like it was not dormant but I was not able to transfer funds into it without the PIN That they would not help me get.- it was their fault and they stole my {$10.00} from me.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX  Dear, Transunion I, XXXX XXXX XXXX, have written this letter to dispute the claim that is falsely listed on my credit Report with your bureau. The amounts owed are no longer outstanding for the following items : Party Owed XXXX XXXX Amount : {$1400.00} Account number XXXX Party owed : XXXX XXXX XXXX : {$1200.00} Account number XXXX Party Owed : XXXX XXXX XXXX : {$1100.00} Account number XXXX Party Owed XXXX XXXX  XXXX XXXX Amount {$110.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$100.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$210.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount {$100.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$2200.00} Account number XXXX I am disputing this claim due to THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 

ssn XXXX drivers license XXXX Enclosed may be additional evidence to support my claim. 
Sincerely, 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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Consumer believes PNC Bank breached the terms of a personal checking account promotion : {$400.00} bonus to be posted within 60-90 days of qualifying activities. 

Consumer met the qualification criteria on XX/XX/. As of XX/XX/, the {$400.00} signup bonus as not posted. 

Relief sought : {$400.00}

Company response to consumer: Closed with monetary relief