vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CBC Companies, Inc.
State: MA

Complaint narrative:
as a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows : 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 2024-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I received approval for XXXX discharge of my student loans. Any payments made post XXXX  date of XX/XX/year> are required to be refunded per the XXXX. of XXXX. Aidvantage is saying that becuase the loans are closed they can not issue the refund. I have verified with a DOE rep as well as their website that says ANY payment made post TPD date is required to be refunded regardless of account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I went to use my Chase XXXX  card. The machine said card invalid. I went to use it on the computer, again invalid. 
I called Chase today XX/XX/year>. They had XXXX on the phone for XXXX hour saying it was XXXX who shut the card down. It wasn't. After much arguing I finally got a supervisor that had the card " reconfirmed ''. No one will tell me what that means or why. 
Why was I told that it was XXXX? why was the crad shut down even tho my account is in. very good standing. 

The card is working again but their customer service lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed an XXXX about this account. 
This is not my account. 
They keep contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation.

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, 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 2024-09-25 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:
Please help me get these unverifiable fraudulent accounts removed off my credit report. I have disputed and these companies seem to be ignoring me. Accounts in question Unknown : XXXX : {$400.00} XXXX XXXX : XXXX : {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-25 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I have had the same mortgage since XXXX or XXXX that waives escrow. I pay my taxes and insurance on my own in full when the amounts come due. PNC bought my mortgage from my previous servicer ( who had no issues ). I noticed that PNC drew {$2200.00} out of my account on XX/XX/XXXX which is double my P & I so I called to ask them what the deal was. They then told me I had an ESCROW shortage ... which I told them was impossible since I have no escrow. I asked them what insurance company they are paying and they stated an insurance company I have never heard of. Obviously they had placed me in forced insurance for NO REASON. 

The lady on the phone then said they had sent me letters asking for updated information sine they " didn't '' have my insurance company information on file. Which ended up being a lie since she stated she saw XXXX XXXX as the mortgagee in their system which is who I have insurance from ... .meaning they had all they needed to get this resolved. First, I never received a letter from PNC saying they needed anything on my insurance company, only mortgage statements monthly. Secondly, they NEVER called me or emailed me asking for anything. Thirdly, they had the correct insurance information from day 1 and NEVER called XXXX XXXX with any issues on my mortgage. INSTEAD, they decided to place me in forced place insurance and STEAL around {$7000.00} from my account. Since I have everything on autopay I did not notice this until the insurance grew to {$1000.00} A MONTH due to THEIR mishaps and lack of due diligence. I asked PNC how much exactly they have STOLEN from me over these last 2 years and the lady on the phone somehow could not give me an exact number... ..This should be 100 % illegal. I want my money back NOW ... ..They had every piece of information to call multiple parties to get whatever they needed but were too LAZY. 

Now I am being told that they are " requesting a partial refund ''. WHAT?? Absolutely not. I want every penny back since this is SQUARLY on PNC... .FULL REFUND or lawsuit. They also have submitted a " Escrow deletion '' that they state will take about a month to complete ... ..Which is absolutely hilarious considering how easily they were able to setup an escrow without my knowledge. They also said the request is going to take over a month which is equally hilarious by how quickly they just STOLE the money out of my account. 

CFPB, I need assistance here. I want my FULL REFUND and I want it now. If they deduct another {$1000.00} a month from now for THEIR insurance company I am going to the state secretary to get involved and my lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
I bought my car XX/XX/XXXX about 8 months ago the 3rd party payment auto withdraw stopped coming out I was unaware until almost 90 days in I made some.payments and continued to go back and forth between my bank and the finance company about the payments not coming out. My bank said the 3rd party never attempted to take any.paynents, the finance company XXXX they would.investigate. I was exhausted and my payments fell behind. I have opened a new account and have been calling emailing and filing complaints directly with CONSUMER Portfolio. They would call blocked and leave vm and when I returned the call they never answered. I called XX/XX/XXXX through customer care and was transferred to a rep the rep said I need XXXX I told her I got paid today and that I would need to transfer I to the new account, after speaking woth management they refused my payment said I didn't have the money, which is not true. They said I could do cash and call back, I explained I work until XXXX XXXX  XXXX they are closed at XXXX XXXX  my time and they are only open M-F. I am willing to pay and have the money but I am being refused and talked down to. I have my vehicle and want to keep it. Please help.me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did not authorize any companies to pull credit for the purchase of a vehicle. my identity was used and credit was pulled on XXXX different possible car loans without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 
Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights I looked at my Transunion credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I paid a payment on XX/XX/year>. 
The payment was NOT posted toward the balance due and was posted to a suspense account. 
I received a billing statement and a subsequent letter saying i was past due for a full payment when i was really only short {$280.00}. 
The letter also said that i was incurring interest charges on the late amount. 

Why wasn't my payment that was paid applied to my account balance? 
How can they charge interest on an amount due that has been paid. 
How can they post my payment to a suspense account and not toward the balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Please see attached am issue I brought to the attention of Chase Bank, Executive Office, the email is self explanatory and I won't waste your time duplicating my issue here. In response, I got a call from XXXX # XXXX his extension was XXXX. In a nutshell, he said that they won't be honoring my request, EVEN though they messed up by 1 ) unilaterally stopping my paper statements and allegedly emailing an old, defunct email they had on file from 2 decades ago. 2 ) They also messed up by illegally reversing my VALID credit card dispute and then not bothering to notify me. 3 ) To add insult to injury, they then reported me as being delinquent to the Credit Bureaus! I have paid through my nose for an illegally reversed CC dispute, I have paid fees upon fees, all that is just money. What REALLY makes me sick and really DAMAGES me is the adverse credit reporting, which 'll cause me THOUSANDS in damages. Please, PLEASE see how you can influence a POSITIVE outcome. Thanks! 

XXXX

Company response to consumer: Closed with explanation