vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a Chase bank notification that there were suspected fraudulent charges being made on my credit card account. I replied to the message saying that it wasn't me. My card was locked and a new one was issued to me. The next day, on XX/XX/XXXX, I got another message about fraudulent charges. This time in regards to my checking account. I once again stated that it wasn't me, and then my debit card was locked. I filed a claim with them, and they cleared the charges on my credit card, but refuse to reimburse the fraudulent charges on my debit card. I told them that I did not give out my card information, the charges were unauthorized, and I had both of my cards in my physical possession. They informed me that the charges were made from an XXXX pay account, however, I told them that I have never opened an XXXX pay account and I currently use a XXXX phone. After the first time they denied my claim, I provided evidence that I was at work and physically is XXXX, XXXX the day the charges were made. I also provided tollway charges on my car to show I was traveling to work that day. I provided time frame evidence, showing that I was in XXXX, XXXX working from XXXX pm to XXXX pm. I also explained that it should be obvious they are fraudulent charges because they are from the same store, across various cities in XXXX, and all the charges were around the same exact price. I wouldn't have enough time to go to XXXX different cities in XXXX and be able to work XXXX hours of the day in XXXX, XXXX  After multiple attempts, Chase bank has repeatedly refused to assist me with the fraudulent charges. I went to the police station and also filed a police report. I provided them with this information as well. As of now, I have only gotten the same response that " Unfortunately, there is nothing we can do to help. '' I will provide all charges, charge location, store number, and charge date below : XX/XX/XXXX : XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XX/XX/XXXX : XXXX # XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH mortgage responded to my original complaint that they did in fact pay other homes property taxes with our escrow money. Their response included that they would not complete an escrow analysis. An escrow was completed and we now have to pay {$1200.00} extra per month due to the shortage that should exist. PHH Mortgage is completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
My account with TransUnion 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. 


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.

TransUnion 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 non-monetary relief
Consumer complaint received 2024-09-27 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:
I know from reading my credit report that you say I have a chargeoff which is debt that has been XXXX and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity multiple times to CFPB and BBB for proof. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy immediately because we gave EQUIFAX XXXX XXXX multiple chances to make this right. 
Also, this account has previously been removed for fraud and re-inserted because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this negative item as well as compensation for the tremendous amount of time that this account has been reporting to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX, I set up credit freezes for my XXXXXXXX XXXX daughters. During the summer of XXXX, I started helping my oldest daughter, now age XXXX, to get credit freezes removed. XXXX and XXXX responded promptly. TransUnion has been problematic. After reading this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that others have experienced a similar frustration with TransUnion, I decided to submit an official complaint. My daughter has repeatedly reached out to TransUnion by phone, email, and on the company website. She has been unable to access her online account. She has provided the requested proof of identification to TransUnion multiple times and followed up multiple times. She has had no response, and she is still unable to access her online account or speak to anyone who will help get this freeze removed. She has been told tech support would follow up with her. They have not. For a process that should take minutes, we are now MONTHS into this request with no response or resolution from TransUnion.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/24, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 45 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 45 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the XXXX data breach, raising concerns that it may have fallen into the wrong hands.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/24, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 45 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 45 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the XXXX data breach, raising concerns that it may have fallen into the wrong hands.

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 2024-09-27 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX LVNV FUNDING LLC Account XXXX XXXX & XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, block information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information consists of the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report, which highlights the aforementioned fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries, and I did not authorize their opening. All of these entries are a direct result of identity theft and fraud. Additionally, I have attached a copy of my FTC identity theft complaint ( XXXX XXXXXXXX ) from the U.S. Federal Trade Commission, which serves as proof that these accounts and inquiries are fraudulent. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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 to the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, block information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information consists of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report, which highlights the aforementioned fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries, and I did not authorize their opening. All of these entries are a direct result of identity theft and fraud. Additionally, I have attached a copy of my FTC identity theft complaint XXXX XXXX XXXX XXXX  from the U.S. Federal Trade Commission, which serves as proof that these accounts and inquiries are fraudulent. 

Thank you for your prompt attention to 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 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Pennymac was invoiced by XXXX XXXXXXXX XXXX in early XXXX, but didn't send the payment until XX/XX/XXXXXXXX XXXX XXXX  I was informed by my agent that payment had not been received and that my insurance would be canceled at XXXX today unless I paid out of pocket. I made the full payment today to avoid cancelation and the risk/costs associated with being uninsured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
I have given XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all information to resolved this medical debt with blue cross blue shield of north dakota the insurance company responsible for this debt. I never received the original bill from XXXX XXXX response and it ended up in collections because i never received the bill. 

I would like debt recovery solutions to simply contact blue cross blue shield to file the claim to be paid and they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This lending company calls EVERYDAY, approximately every two hours, starting as early as XXXX XXXX XXXX XXXX. They call using various out-of-state unrecognizable cell # s. They leave long messages, always on a teleprompter, stating that my loan has been approved for up to {$80000.00}. 
I have one existing credit card with Capital One, which I became unable to make monthly, timely payments on due to divorce. I contacted Capital One, and got nowhere attempting to work with them. I have never requested a personal loan from XXXX nor from any other lending company that has continued to harass me everyday. I believe that Capital One is behind this. When I have spoken with many of these callers from various agencies, and told them that I have never applied for a loan with them, and that I am registered on a National Do Not Call Registry, ( and asked to have my name/cell XXXX  removed from their contact list ), the calls stop for several days, only to resume again. These are nothing but harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief