vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and New Jersey State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - XXXX XXXX has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the New Jersey Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, XXXX XXXX has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, XXXXXXXX XXXX has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, XXXX XXXX continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXXXXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank Housing Complaint due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in thXXXX amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD XXXX I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX. The division Single Point of Contact is XXXX XXXX, phone no. XXXX ext. XXXX, M-F, XXXX AM - XXXX XXXX XXXX. The division email address is : XXXX. The XXXX XXXX, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank XXXX loan was part of the {$900000.00} PNC Bank XXXX XXXX 

I recently contacted PNC Bank, President/CEO XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$900000.00}. PNC Bank response was : XXXX. ) I was responsible for the SCAM/FRAUD XXXX. ) PNC Bank refused to apologize for the SCAM/FRAUD XXXX XXXX ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money XXXX. ) PNC Bank refused to acknowledge that an XXXX of irregular activity occurred XXXX. ) PNC did not conduct Know Your Customer ( KYC ) on my accounts XXXX. ) PNC approved the International Wires sent to XXXX XXXX  and XXXX, possible Terrorism ( This is a Federal Offense ). XXXX. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I recently reviewed my consumer report from XXXX and XXXX, and I noticed your company OneMain Financial has furnished some transactions as late on my consumer report. After carefully reading my consumer laws 15 USC 1681a ( 2 ) A ( i ), it speaks about the exclusion of a consumer ( which is me ), experiences and transaction with the creditor, ( which OneMain Financial ). I am very curious to know how you were able to furnish a transaction or experience as late when clearly 15 USC 1681a ( 2 ) A ( i ) says this is excluded from a consumer report. This means my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. 


When your company reports a late payment you are reporting the experience between the consumer and the creditor the person making the report. The payment history comes from the transaction history, and there can't be a payment history without transactions. So if transactions and experiences are excluded from a consumer report, how can you report a payment as late if there is no transaction history? 

Furthermore, the only way a payment can be reported late is if you follow 15 USC 1666 ( b ). Therefore, I am requesting that you provide me with, in writing, the reasonable procedures according to 15 USC 1666 ( b ). Provide proof that you have adopted reasonable procedures to ensure that each periodic statement was mailed or delivered to me 21 days prior to my payment due date. This law does not state email or electronic mail. Also include proof of all the information required by sec 1637 ( b ) of title 15 USC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. I am writing to file a complaint against Equifax for not meeting this standard. 

Despite claiming a proper investigation, Equifax continues to report inaccuracies, such as incorrect open dates, dates last active, and dates last reported. These inaccuracies are grounds for removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent. 
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX XXXX # XXXX, ** Equifax reports the account status as " Derogatory, '' a high credit of {$10000.00}, and a last reported date of XX/XX/XXXX. However, XXXX reports different information. 

For XXXX XXXX XXXX XXXXXXXX, ** Equifax is the only bureau still reporting this account despite my requests to delete it. I do not recall it being opened on XX/XX/XXXX, nor last active on XX/XX/XXXX. 

For XXXX XXXX, ** Equifax shows a date opened as XX/XX/XXXX, a term of 0 months, and a last reported date of XX/XX/XXXX, which do not match other bureaus ' records. 

I have repeatedly disputed these inaccuracies, but Equifax continues to ignore my concerns. I have included a copy of my credit reports for your review. If these discrepancies are not resolved within 15 days, I will consider legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE HELP ME, THESE COLLECTION OR FRAUDULENT ACCOUNTS ARE NOT MINE.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On or about XX/XX/year>, my daughter told me that she didn't have access to her Bank of America accounts. I then checked mine and I also did not have access to my Bank of America accounts. I tried logging in online and could not. I tried to reset my password and I was informed online that they had no record of my credentials. I called Bank of America 's main number on XX/XX/year>. I asked why I didn't have any access to my accounts and I was told that the bank was closing my accounts. I asked why and the only thing that they could tell me that it was a " business decision. '' I have no idea why they closed my accounts. I don't know of anything that I did that would warrant closure of my accounts. Also, I was told that I can't open another Bank of America 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 2024-07-25 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: MI

Complaint narrative:
I recently looked at my consumers report and noticed accounts with inaccuracies. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for full accuracy. these are the accounts in question.1. ( XXXX  XXXX account number XXXX ) XXXX. ( XXXX XXXX  account number XXXX ) XXXX. ( XXXX XXXX XXXX  account number ( 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 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear XXXX, SYNCB/CARE CREDIT ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear XXXX, SYNCB/CARE CREDIT ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Re : Dispute of Alleged Debt Account Number/Case # XXXX Linebarger Goggan Blair & Sampson , LLP I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ).

2. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

3. Provide a copy of the original contract or agreement that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

4. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

5. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

6. Confirm that this debt is within the statute of limitations for collection in my state.

7. Verify that you are licensed to collect debts in my state, as required by many state laws. 

8. Additionally, I invoke the principle established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which states that a state may not impose a charge for the enjoyment of a right granted by the federal constitution. If this alleged debt stems from the exercise of a constitutionally protected right, I contend that it may be invalid under this precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: REGIONS FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/year> We sent over a Termination Request to XXXX. We were told by them that this process could take XXXX to XXXX days. On the XXXX day. We sent and email asking for an update. No response was received so we called and we were told that no email was ever received which made no sense as we verified we had the correct email address. We were told to resend the email and that they would put a rush on it/basically expedite it. We were told XXXX to 4 days. today is day number XXXX and nothing has been done on the file, I was told today that it might be XXXX to 60 days that basically they were very busy and they have no idea when the Termination will be completed. This is the only thing that is holding up my refinance as it can not be process until the Termination is completed. I have asked to speak with a supervisor and i have been repeatedly told them there is no one else to talk to so i am finally this complaint to hopefully get this resolved.

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 2024-07-25 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: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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