vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
XXXX XXXX XXXX  is reporting incorrect and inaccurate information to my XXXX credit reportsWhich is a violation of the FCRA.Im requesting them to furnish and provide me with proper documentation.Which will properly verify the legitimacy of the accountThey must I by federal law provide information.Which properly verify the account..I want a copy of the original credit agreement with Terms and ConditionsI also want a copy of all my statements for history of the account If you dont supply me with what Im asking for I will file a lawsuit in US District Court pay the {$500.00} filing fee.Then I will request legal discovery and ask the judge for the right to subpoena documentsThen you will be legally obligated to supply me with the documents. 

Im not playing Im giving you 30 days to get me what im asking for I will contacting the South Dakota Attorney General The Comptroller of the Currency and Maryland Attorney about this matterThis is a serious civil matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
XXXX XXXX XXXX  is reporting incorrect and inaccurate information to my XXXX credit reportsWhich is a violation of the FCRA.Im requesting them to furnish and provide me with proper documentation.Which will properly verify the legitimacy of the accountThey must I by federal law provide information.Which properly verify the account..I want a copy of the original credit agreement with Terms and ConditionsI also want a copy of all my statements for history of the account If you dont supply me with what Im asking for I will file a lawsuit in US District Court pay the {$500.00} filing fee.Then I will request legal discovery and ask the judge for the right to subpoena documentsThen you will be legally obligated to supply me with the documents. 

Im not playing Im giving you 30 days to get me what im asking for I will contacting the South Dakota Attorney General The Comptroller of the Currency and Maryland Attorney about this matterThis is a serious civil 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to express my grave concern and to seek immediate resolution regarding my claim ( Ticket # XXXX ), which is a direct result of the significant impact I have suffered from the Equifax data breach. To encapsulate the situation, my personal information was severely compromised in the breach, leading to identity theft and the unauthorized opening of accounts in my name across various financial institutions. This has been a distressing experience, with profound implications for my financial stability and peace of mind. On XX/XX/XXXX, I received an update on my claim, indicating that a deficiency notice had been sent to me on XX/XX/XXXX. I want to clarify that I have been diligent in my efforts to address any deficiencies as per the instructions provided. If there has been any oversight or misunderstanding in this process, it was not for lack of action on my part. Furthermore, on XX/XX/XXXX, I received another email suggesting that I did not respond to the Incomplete Claim Notice by the deadline. This is perplexing and disconcerting as I have conscientiously provided all the necessary documentation and information required to prove my class membership and to rectify any deficiencies in my claim. I am deeply troubled by the implication that I have not complied with the process when, in fact, I have adhered to every step as instructed. It seems as though there is a disconnect that is preventing the proper processing of my claim, and it is critically important that this matter is rectified promptly. I am reaching out to you in good faith with the expectation that Equifax will honor its commitment to assist those affected by the breach. As such, I am requesting a thorough review of my case and a clear explanation of any discrepancies that may have arisen during the processing of my claim. Additionally, if there is any further information or additional steps required from my side, please communicate this with detailed instructions so that I can comply without delay. Given the seriousness of this issue and its impact on my life, I would appreciate a prompt and direct response to this email. I am eager to resolve this matter and move forward with the necessary support from Equifax. Thank you for your immediate attention to this urgent matter. I look forward to your swift response. Warm regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-08-12 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: IL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-12 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I had a mortgage through PNC Bank on a home I purchased in XXXX and sold on XX/XX/XXXX. At closing the real estate taxes for XXXX and through XX/XX/XXXX were deducted from my proceeds and payed by the title company. After numerous phone calls to PNC Bank, I was advised they had mailed an escrow refund check to the address I had just sold. PNC customer service said they would be canceling that check and sending me another check to my current address. On or about XX/XX/XXXX I received an escrow refund check from PNC Bank in the amount of {$1900.00}. On or about XX/XX/XXXX I received a second check from PNC Bank for {$1900.00}. I also received an escrow account activity statement from PNC Bank showing at the time of closing my account, the balance was {$3900.00}. The activity sheet also showed the last XXXX actions in the account to be XXXX separate refund checks in the amount of {$1900.00} each as well as a final PMI payment of {$37.00} which took the account balance to {$0.00}. I deposited both checks I received into my PNC Bank checking account and was advised by PNC Bank that they had stopped payment on one of the checks because it was a duplicate. I contacted PNC Bank mortgage customer service numerous times and they were unable or unwilling to explain to me how an account with a balance of {$3900.00} can be zeroed out with a check for {$1900.00} and a {$37.00} PMI payment. I will be attaching a copy of the escrow account activity provided by PNC Bank as well as a copy of the XXXX checks and XXXX stop payment issued by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Spam calls all day for 7 days straight, leaving voicemails that I will be served with court documents to appear in court regarding a credit card account that was XXXX in XXXX bankruptcy in 2013. Both women I spoke with were highly rude when I spoke to them about their false claims! They spoke over me when I tried to speak. I asked for an email address to send my documents to to verify the account was XXXX in the bankruptcy and was told I could show my docs in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
To Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC, I am disgusted and outraged by the absolute incompetence and disregard your company has shown in handling my mortgage account. After being dragged through an unnecessarily lengthy process, I was approved for a three-month forbearance plan, which explicitly stated that no payments were required until the plan ended. 

Despite this, your company took it upon itself to deduct money from my bank account, leaving me completely broke and unable to afford even basic necessities, including medicine. This is not just a mistakethis is theft. 

I have repeatedly asked for auto payments to be disabled, yet your company outright refuses to comply, continuing to steal from my account while I am still under a forbearance plan. This is beyond negligence ; its outright malicious. 

Your customer service is a joke. Calls and emails are ignored, and there is zero care or urgency in addressing serious issues. Its clear your company doesnt give a damn about your customers, especially when theyre in distress. 

To everyone reading this : Do not, under any circumstances, allow Shellpoint Mortgage Servicing or Newrez Mortgage LLC to service your mortgage. You will regret it. My experience has been nothing short of a nightmare, and I wouldnt wish it on my worst enemy. 

I demand the immediate return of the funds your company has stolen from my account and expect no further unauthorized deductions. If this is not resolved immediately, I will take this to every regulatory authority and consumer protection agency available. 

Fix this. Now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I am a victim of the XXXX XXXX breach and have some accounts listed below that I want to be removed from my credit report immediately for fraudulent accounts Attached in this report is the proper identity theft reports with the accounts listed below for removal from my credit report 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

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 2024-08-12 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 a victim of the XXXX XXXX breach and have some accounts listed below that I want to be removed from my credit report immediately for fraudulent accounts Attached in this report is the proper identity theft reports with the accounts listed below for removal from my credit report 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

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, my Citi bank credit card was charged {$14.00}, {$14.00}, and {$19.00}, all from XXXX XXXX XXXX XXXX XXXX I called my credit card company to dispute these charges. They canceled my card and issued a new one. Today, XX/XX/year>, I received a text message that charges were posted on my latest card, which I have not yet activated. Again, XXXX charges stated they were from XXXX + XXXX for {$14.00}, {$14.00}, and {$14.00}. I called Citi Bank again, and they will remove the charges. I have locked my card. I have also called XXXX, and they verified that I did not make those charges. The more significant issue is how anyone can access a card that has not been activated. I believe Citi Bank needs to do an internal investigation.

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 2024-08-12 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: IL

Complaint narrative:
I am asking for your help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with my family.

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 2024-08-12 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation