vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt and my account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear XXXX Milestone Credit Services, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that XXXX Milestone Credit Services has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX Milestone Credit Services to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX Milestone Credit Services immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX Milestone Credit Services will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I sent 2 money orders that I purchased thru my checking account with chase bank. One for ( XXXX ) XXXX XXXX, and the other one for ( XXXX ) I sent them thru the mailbox, days later my landlord reached out to me and adviced that he has not received the rent money, therefore I went to the bank and asked for help and they opened and investigation to help get this resolve, they found out that someone stole it and cash it, I sent over all documentation that they asked for, for the past 6 months they have been asking me for multiple documents even the ones that I previously sent them. I received a letter yesterday requesting more information and they want a picture of the money order that was stolen, I asked the representative how is this possible if the money order was stolen, I submitted this claim on XX/XX/2023, 6 months later and I have yet get any resolution from chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: TX

Complaint narrative:
There were 3 charges taking out on XXXX XXXX XXXX 


* 2 charges for the amount of {$630.00} from XXXX XXXX I called the merchant and they never got any transactions. 
* 1 charge for the amount of {$120.00} from the same merchant XXXX XXXX and the foun bank refise to help me get my money back. Inform them that I did not authorize the transaction at all. They did nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: SC

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.

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 2024-01-23 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to buy a house I realized that I had multiple inquiry credit reports.

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 2024-01-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to buy a house I realized that I had multiple inquiry credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I tried to open an account with XXXX XXXX  last year. Early warning services has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed XXXX  XXXX XXXX of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: IL

Complaint narrative:
My credit file has numerous errors that ia have attached on this complaint, i have contacted the bureau mailed them, emailed them and faxed but this issues have not been fixed, as a consumer i have a right under the FCRA to have accurate information across the bureaus on the files i will be uploading you can see multiple and multiple errors/inaccuracies, i would like this issue to be fixed, i believe that these discrepancies violate the accuracy and integrity provisions outlined in 15 USC 1681e of the FCRA. This section requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

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 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/24 I received " Important Changes to Your Account Terms '' via first class mail from Synchrony Bank, XXXX XXXX  XXXX XXXX XXXX Synchrony Bank handles the Lowe 's store credit card. 

The changes include information about the Paper Statement Fee : " We are adding a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee as described below... We will charge a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form [ sic ]. ... 

Is such a fee compliant with US rules and regulations governing credit cards? 

I worry this sets precedent with other credit cards including major credit cards.

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 2024-01-23 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: FL

Complaint narrative:
I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, Credit XXXX XXXX ( XXXX  ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information 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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I have my property taxes escrowed each month along with my mortgage payment. Rocket Mortgage indicated that the taxes were paid on XX/XX/2023. However, when I checked with the local taxing authority if my property taxes had been paid, they said that the taxes had not been paid. Currently my taxes are delinquent, and my home is subject to being sold for non-payment of taxes. I contacted Rocket Mortgage and provided them with contact information for the revenue commissioner 's office and my tax account number and the parcel ID. However, Rocket Mortgage refused to pursue this matter and required me to get a letter from the revenue commissioner 's office stating that my taxes have not been paid before they would take any action. This is easier said than done. I live in a small rural community, and the revenue commissioner 's office has limited staff. I have no idea when I can get such a letter. I don't want to lose my house because of Rocket Mortgage 's failure to pay my taxes with money I have already given them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am requesting the removal of an account from my credit report as the charges were made more than 7 years ago. I was affected by Hurricane Harvey and had to evacuate my home during the time these charges accrued. However, the company continued to make frivolous charges. I tried to explain this issue in XXXX, but they did not show any understanding. The debt amount is {$120.00}. I can provide documents to prove that I was affected by Hurricane Harvey at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
AFFIDAVIT OF TRUTH. 
The writ I provide for the record, on the record and let the record show, I make freely, with first hand knowledge, as the truth, the whole truth and nothing but the truth, full competent affiant sayeth the following ; In or about XXXX XXXX an Indenture Security, secured by a Promissory Note [ money ] and real estate, for which I never received consideration for as the Grantor for said instruments, executed with whom I was let to believe was XXXX XXXX XXXX XXXXI am the beneficiary, and investor for both instruments, having never received disclosure for such. 
XXXX XXXX is the Holder of the Indenture Security, and has assigned PNC BANK , NATIONAL ASSOCIATION as the sub-servicer for the Indenture Security [ mortgage ]. 
At issue under the SAFE Act, XXXX XXXX XXXX XXXX XXXX, upon checking XXXX XXXX XXXX XXXX XXXX PNC BANK, N.A. has no license to engage in either " loan servicing, nor Indenture Security [ mortgage ] brokerage activities, and I see no records for them having prior authority, unless they can provide to the contrary. 
What they and XXXX XXXX have attempted to do, was switch roles to make me the Surety, Fiduciary, Trustee, when clearly as per INTERNAL REVENUE SERVICE MANUAL 1635 ( REV XXXX ), Catalog XXXX, section on Trust, see page 7, XXXX XXXX XXXX XXXX XXXX and by extension XXXX XXXX are Trustees, for the said instruments, and I the beneficiary, and Executive Order 13502, federal payments for Beneficiaries. 

They, XXXX XXXX, by and thru their Owner Trustee, under Indenture are responsible for any debt, and non payment, not I. 

Attorney XXXX XXXX XXXX, originally a defendant in suit I action against XXXX XXXX, XXXX PNC BANK, N.A. President, for fraud, along with XXXX XXXX XXXX, have sought to foreclose on an instrument neither are party too, and are the wrong party in interest, having no standing and their client no State of XXXX XXXX Loan/Mortgage license to take such actions. 

Consult the Trust Indenture Act, XXXX, XXXX, XXXX for reference on Indenture Security, the National Security Act for Notes, XXXX XXXX and SEC securities laws for registration of Promissory Notes secured by Real Estate. 

If my search is wrong, I ask them to provide proof of such for the record under their full commercial liability, and under the Penalty for Perjury, under the laws for UNITED STATES, the united States of America ; XXXX XXXX XXXX XXXX XXXX number, proof they are a Beneficiary, Title to the Property, registration number of the Promissory Note, registration number of the Indenture Security [ mortgage ] instrument, CUSIP AND CIN numbers, A UCCI Financial statement, proving me as the Debtor and they the Secured Party. 

I write this with full commercial liability, under the Penalty for Perjury, under the laws for UNITED STATES, the United States of America. 

XXXX XXXX, XXXX XXXX u/d/t.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: NJ

Complaint narrative:
This information is under my name and is causing me harm. I need it removed from my history. 


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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation