vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: NJ

Complaint narrative:
I filed a dispute with all three credit bureaus due to identity theft and mailed them the supporting documents which included in FTC identity theft report, but they all continue to claim that there is no identifiable information on the report, even though they managed to find my account to email me but claim they are unable to find my credit report Sending my Social Security number and all personal information and a letter is something I am not comfortable with doing. I provided all information Needed to identify me other than my Social Security number. They refuse to let me email or fax the documents over as well which would make it a lot easier for everybody involved they constantly give vague responses and say they are unable to identify me, which is not true because they email me and are able to find that information and when I call over the phone, they can see that the dispute is attached to my account. They just do not do their job and remove the information.

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank XXXX charge {$29.00} today XXXX ; String of Frauds to my Citibank account My account should be XXXX this morning XXXX and {$29.00} are again missing from account Account this morning available balance : {$770.00} Please find the {$29.00} money missing. 

Another theft was committed on XXXX in the the amount of {$14.00}. 

Read below : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. Citibank offered to reimburse, but only if I cancel my card and reorder a new one. At the moment, I CAN NOT do so as I am in transit to work today XXXX. Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. I will update PIN information. 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 2024-08-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: IN

Complaint narrative:
Im looking at my credit report and i notice something with the report that does not appear to be correct. I would like for you to investigate this account for complete accuracy. I believe that this is damaging to my credit and csausing me to be denied for credit. here is the account that i would to have investigated for accuracy, Account- XXXX XXXX - Acct # 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 2024-08-04 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have on multiple occasions disputed a XXXX XXXX XXXX XXXX REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
Experian, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.

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 2024-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
I received a property tax refunds from Washington, D.C. Office of Tax and Revenue ( OTR ) for overpayment of my property taxes. These refunds were sent directly to SN Servicing and they did not apply the refunds based on my request that these refunds be applied to my mortgage payment and they did not provide me with information on how these refunds were applied to my account. I have requested documentation to show how much refund was received from Washington, D.C.s Office of Tax and Revenue ( OTR ) information showing how these property tax refunds were applied to my account and have not received this information. Also, I have requested a payment history, and an escrow analysis and still have not received this information. The account manager is very rude and her rudeness is supported by her supervisor. She has hung the phone up on me on multiple occasions and have refused to provide me information on my account. I need help in making sure that the mortgage company has applied funds accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX hasnt followed federal evidence procedure XXXX in producing original wet signature on original debt instrument that contracts alleged debt. Furthermore with a cease and desist from both me and said entity this debt must be removed from my credit as it pertains to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX  ). Any communication about a debt direct or indirect made to a CRA about a disputed debt that hasnt been validated is in direct violation of FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit hasnt followed federal evidence procedure XXXX in producing original wet signature on original debt instrument that contracts alleged debt. Furthermore with a cease and desist from both me and said entity this debt must be removed from my credit as it pertains to XXXX XXXX Midland Credit Management , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Any communication about a debt direct or indirect made to a CRA about a disputed debt that hasnt been validated is in direct violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Portfolio Recovery LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Va XXXX ] Re : Debt Validation Request for [ XXXX ] Dear [ Portfolio Recovery LLC ], I am writing to you regarding the above-referenced account that you claim I owe. I request that you provide validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g.

Please provide me with the following information : 1. Verification of Debt : A complete account statement listing all payments I have made on this account.

2. Original Agreement : A copy of the original contract or agreement bearing my signature, which shows that I agreed to pay this debt.

3. Insurance Claims : Information on whether any insurance claim has been filed on this debt, including the dates and amounts of any such claims.

4. Chain of Title : Documentation proving that you have the legal right to collect this debt. This should include a chain of title that demonstrates the ownership history of the debt from the original creditor to your agency.

Please treat this letter as a formal dispute of the debt and a request for validation. Until you provide the information requested above, I will consider the debt to be in dispute and will not make any payments. Additionally, I request that you cease all collection activities, including reporting to credit bureaus, until the debt has been validated. 

I expect your timely response to this request, in writing, sent to my address listed above. According to the FDCPA, you are required to provide this validation within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Make sure to send this letter via certified mail with a return receipt requested so you have proof of the date they received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 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 2024-08-04 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: LoanCare, LLC
State: NJ

Complaint narrative:
Toom It May Concern : I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their ongoing issues with inaccurate credit reporting and their refusal to remove Private Mortgage Insurance ( PMI ) on my FHA loan, despite meeting the necessary conditions for its removal. 

I have been a customer of XXXX XXXX XXXX for over seven years, during which I have maintained an excellent payment history, especially notable during the challenges presented by the recent pandemic. Despite this, XXXX has reported multiple instances of late payments to credit bureaus that are factually incorrect. For example, my payment for XX/XX/XXXX was made on time, as per the XXXX of XXXX, which can be substantiated by the transaction records on their own online portal and my bank statements. However, XXXX incorrectly reported this payment as late to the credit bureaus, a mistake that they have acknowledged yet have failed to correct. 

Furthermore, I have been eligible for the removal of PMI due to the tenure of the loan exceeding seven years and the equity in my home increasing significantly. Despite multiple attempts to discuss and resolve these matters, XXXX has continually displayed a lack of cooperation and accountability. My most recent communication with them on XX/XX/XXXX involved prolonged hold times and being transferred between departments without resolution. During a conversation with a representative from the Loss Mitigation department, it was verbally acknowledged that the late payment reporting was erroneous. However, they refused to provide any written confirmation or documentation to verify their commitment to rectify this error. 

This lack of response and the continued mismanagement of my account details have not only caused significant distress but have also negatively impacted my credit score and financial standing. It is concerning that XXXX has previously been sued for similar issues, indicating a pattern of negligence and malpractice. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to intervene and investigate these practices by XXXX XXXX XXXX. I am seeking the correction of all inaccuracies in my credit reporting, written confirmation from XXXX regarding these corrections, and the removal of PMI from my loan as per the eligibility criteria. 

Thank you for your attention to this serious matter. I am eager to see this issue resolved promptly and fairly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX  can make mistakes. Check important info.

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 2024-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 2024-08-04 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: NJ

Complaint narrative:
I filed a dispute with all three credit bureaus due to identity theft and mailed them the supporting documents which included in FTC identity theft report, but they all continue to claim that there is no identifiable information on the report, even though they managed to find my account to email me but claim they are unable to find my credit report Sending my Social Security number and all personal information and a letter is something I am not comfortable with doing. I provided all information Needed to identify me other than my Social Security number. They refuse to let me email or fax the documents over as well which would make it a lot easier for everybody involved they constantly give vague responses and say they are unable to identify me, which is not true because they email me and are able to find that information and when I call over the phone, they can see that the dispute is attached to my account. They just do not do their job and remove the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: NJ

Complaint narrative:
I filed a dispute with all three credit bureaus due to identity theft and mailed them the supporting documents which included in FTC identity theft report, but they all continue to claim that there is no identifiable information on the report, even though they managed to find my account to email me but claim they are unable to find my credit report Sending my Social Security number and all personal information and a letter is something I am not comfortable with doing. I provided all information Needed to identify me other than my Social Security number. They refuse to let me email or fax the documents over as well which would make it a lot easier for everybody involved they constantly give vague responses and say they are unable to identify me, which is not true because they email me and are able to find that information and when I call over the phone, they can see that the dispute is attached to my account. They just do not do their job and remove the information.

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: FL

Complaint narrative:
So I had a account with NetSpend for years. I had a direct deposit that was set to hit my account on Wednesday. I notice that my direct deposit didn't hit. So I go to login to my NetSpend account and I notice that got a error message and it said to call customer service. I call customer service and they said my account is closed and said due to several risk factors their closing my account and that I can no longer be a customer with NetSpend. This throws my plans for the week out the window. I live paycheck to paycheck. I'm going to be late on my bills and I currently have a category 1 coming to Florida and have nothing in my house to sustain myself. On top of that they said that that it's going to take 6 business days to reject my direct deposit and my employer would receive it on XX/XX/XXXX. That's almost a full month without pay. I can not live like this and something needs to be done.

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 2024-08-04 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: TX

Complaint narrative:
The Collection agency did not comply to the laws of fair credit reporting and continue to proclaim that a paid off account is still in collections. I am prepared to escalate this matter into litigation that may not be financially amicable to the reporting agency. Be prepared to go to court, I am.

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 2024-08-04 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: FL

Complaint narrative:
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  I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from 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 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: WI

Complaint narrative:
I called the number they left, and told them I do not have any debts and therefore there information was not correct. They wanted personnal information, but I refused to give it to them. They still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: IN

Complaint narrative:
Im looking at my credit report and i notice something with the report that does not appear to be correct. I would like for you to investigate this account for complete accuracy. I believe that this is damaging to my credit and csausing me to be denied for credit. here is the account that i would to have investigated for accuracy, Account- XXXX  XXXX  - Acct # 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