vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
On XX/XX/year>, our mortgage company ( XXXX XXXX ), make XXXX additional disbursements out of our escrow account to XXXX IDs that did not match our XXXX ID. Those amounts were for XXXX ID XXXX ( which belong to our neighbors ) and included County Taxes {$2200.00} and City Taxes {$1800.00}. When we received our new house payment effectively due XX/XX/year> that was adjusted for escrow, we noticed that they said our house payment would increase by {$700.00} per month due to escrow shortage. I logged into the XXXX portal to view the activity on XX/XX/year> to see why our payment would be increasing so much and saw they had made XXXX disbursements out of our account on XX/XX/year> .... XXXX of those were our own City and County taxes, and the other XXXX were unknown property City and County taxes. So in addition to paying someone elses property taxes out of our escrow, they also calculated our new payment that will be due XX/XX/year> based on XXXX property tax payments ( our XXXX and the unknown XXXX ). I immediately reached out to the company beginning XX/XX/year>, questioning these transactions, and asking for a revision to my new upcoming payment as well as returning the funds to my escrow that were fraudulently disbursed for an unknown property. I also called the company on XX/XX/year> and they assured me that a XXXX would return my call before XXXX am XX/XX/year>. I have still yet to get a call back and the only response they will give me is " we are researching the issue. '' I am attaching the email trail from the portal, the escrow activity showing all XXXX payments coming out of our account, the escrow analysis showing they incorrectly calculated my new payment to include XXXX tax payments instead of XXXX tax payments, a copy of our city and county taxes with accurate XXXX IDs, and a copy of the County tax notice for my neighbor which shows his parcel ID. XXXX still has not acknowledged their error, explained to us why our funds were used without our permission, or offered an apology for not catching the error themselves. We do not want to pay an incorrect house payment XX/XX/year> and think it is unfair to expect us to do so since it was not our error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On and off since XX/XX/year>, an account was put into collections and my name attached. This is an energy bill from a home in Texas. I have lived in New Jersey my whole life. I called Transworld collections to remove my information and they wanted to charge me {$200.00} to do that. They did see that my information was not accurate on the account. The bill is for {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter from citi stating my online user id was now active ( I recently activated it after a loan was approved and processed ) and that my ATMDebit card ending in XXXX was linked to the account. 
I did not apply for a credit/debit card, I do not want any card. Customer Service is horrible and I will refinance the recent loan elsewhere and pay it off for a better interest rate and better customer service. 
I was logged into the account, chatting with a supervisor who told me to log in and basically said I wasnt when I absolutely was. 
I want this card ending in XXXX ( only numbers I have as I FO NOT have any physical card removed from my name and account.

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 2024-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened a savings account in just my name with Chase bank. At the time of opening the savings account I asked several times if my husband would have access to the account. I was reassured he would not. 
On XX/XX/year> a fraud alert was sent to him for my savings account that he is not on. I called customer service and the fraud line, I was first told that this didnt happen when I stated I had a screen shot that it did happen I was transferred twice and told someone would call me back. I waited until XX/XX/year> and no call so I called again. Once again transferred multiple times, told that didnt happen and that someone would look into it and call me back. Still no call back by XX/XX/year> so once again call placed to customer service, transferred serval times and once I reached the escalation department I was hung up on when I explained what happened and that this was a breach of my confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Several years ago I filed legal action against Experian after they refused to remove an account off of my credit report. Since that time, Experian has not permitted me to file a dispute in a manner consistent with their standard operating procedure, which is to file online and have it be resolved. Each time I am instructed to call or to send the dispute by mail. I feel this is unfair and it violates my rights under the Fair Debt Collection Practices act and other applicable laws.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello and good day. You are violating my right to privacy by reporting this information on my credit report without my consent. This breach is not only deeply insulting but also a defamation of my character. Your actions are damaging my credit score and negatively affecting my life, as my new credit applications are being denied because of your negligence.

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 2024-11-14 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: MO

Complaint narrative:
I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n , 15 USC 1681a , 15 USC 6801, and 15 USC 6802 . There are well over a XXXX federal consumer violations EQUIFAX is furnishing with the XXXX XXXXXXXX XXXX  accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting 's by EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-14 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file immediately : Unauthorized Accounts XXXX. Creditor : XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Balance : {$2800.00} XXXX. Creditor : XXXX XXXX Account XXXX : XXXXXXXX XXXX Balance : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/ aprox {$8800.00} sycrhony bank debt i m not aware of. I asked for debt validation and written notice which they can not provide. I saw they already claimed charged off for the amount. They keep calling all my cell numbers & i asked for the 1099c since they claimed charged off. I believe these is harming my credit score and should be removed.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX US BKPT CT XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout XXXX I have requested it Shows up on experian XXXX and XXXX Requested how did they obtain the information To verify and send me copies never received a letter or proof

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 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: MI

Complaint narrative:
Request to Remove Negative Items Due to XXXX XXXX Victimization I am writing to request the removal of negative items from my account/credit report. I am a victim of XXXXXXXX XXXX during which my personal information was misused without my consent. As a result, several accounts were opened or misused in my name, leading to negative entries that do not reflect my actions or financial responsibility. 

I am protected under the XXXX XXXX XXXX XXXX XXXX XXXX  ) and the Fair Credit Reporting Act ( FCRA ) as a XXXX survivor. Therefore, I kindly request the removal of all negative items associated with the period of my victimization. 

Thank you for your prompt assistance in this matter. Please let me know if further documentation is needed. 

Sincerely, 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is 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 2024-11-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accuracy is not correct on my equifax report. 
I applied for auto loan and three separate company ran my credit for said loan on the same day.. 
XX/XX/XXXX th XXXX snd i was hit with three seperate inquiries which dropped my credit score. 
In XXXX and XXXX of XXXX i was looking for a mortgage and the same thing yhing occurr it was XXXX  as three seperate inquiries as opposed to one which dropped my credit score because if the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I filed a dispute explaining that a loan company that turned out to be a scam withdrew funds from my account without my permission nor signature. Upon explaining that information to Navy Federal they closed my account, ruled it out as fraud, and left me with a outstanding balance along with overdraft fees without any further explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation