vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing to file a formal complaint against Chase Bank for improperly reporting a balance on my credit report that was supposed to be covered by GAP insurance. This balance should never have been assigned to me, as my GAP insurance provider was responsible for covering the outstanding amount due to an insured incident. Despite my efforts to resolve this matter with Chase Bank and to inform them of their error, they have continued to inaccurately report this balance, causing undue harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes a misleading representation of my debt obligations. It is Chase Banks duty to verify the accuracy of the information they report and to refrain from representing any balance as due when they know, or should have known, it was supposed to be paid by GAP insurance. The reporting of this balance as a legitimate debt violates the FDCPA 's prohibition against using unfair or deceptive means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-11-08 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2024-11-08 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-08 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXXXXXX XXXX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an unauthorized collection entry placed on my credit report by Procollect ( Adress- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX Phone- XXXX XXXX XXXX ) The agency first contacted me by phone call regarding this debt on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. However, before ever contacting me, they reported the debt to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These acts mandate that consumers have adequate notice and the opportunity to verify or dispute a debt before it appears on their credit report. 

Furthermore, I have proof that this debt was paid in full on XX/XX/XXXX. Despite this, Procollect inaccurately reported it, causing an immediate and severe impact on my credit score. This has led to significant distress and unfairly harmed my financial standing. 

I have made several attempts to resolve this matter directly. I have sent multiple emails and left messages on the agency 's website, but I have received no response or assistance in correcting the error. Additionally, I was forced to contact all three major credit bureaus ( XXXX, XXXX, and XXXX ) to file disputes to mitigate the impact on my credit score. 

I request that the CFPB investigate this matter and ensure the immediate removal of this incorrect entry from my credit report. Additionally, I seek assurances that the collection agency will comply with FCRA and FDCPA requirements in future actions.

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 2024-11-08 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$3700.00}

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 2024-11-08 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX we had used our bank PNC to XXXX over a total of {$3000.00} to purchase farm equipment for our nonprofit the XXXX XXXX XXXX The scam started on XXXX with a family that we knew. They were selling items and we purchased, two items for the total price of {$3000.00}. We signed a contract and then XXXX over the money with a pick up date at the address for XX/XX/XXXX. When we went to pick up the items, the owners of the house had no idea what we were talking about. we realize that someone had hacked into their XXXX account and impersonating them. We did not know as we thought we knew them so we XXXX  the money believing that we knew the people. PNC will not reimburse us this money, even though we have heard of other banks that have reimbursed others and similar situations. We can not pay our rent, we are financially in a very tough spot and were hoping that our bank would be able to reimburse this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
This concerns an alleged missing payment from XXXX XXXX and errors in my escrow account that Shellpoint mortgage refuses to recognize. Shellpoint mortgage has overcharged my escrow account since the beginning of the mortgage began.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XXXX and now XXXX and months prior the ATMs at both of my local 5th 3rd branches have been unable to provide receipts for transactions. This caused me to be afraid to make my deposits and ultimately I went into overdraft. I can only go to the bank XXXX XXXX  or after which is why I take advantage of their after hours ATM deposit method. I want a refund for the charges due to their ATMs being not 100 % functional. I have attached just a few of my pics showing the ATMs cant provide receipts. I have more from other dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
Experience credit bureau has allowed XXXX XXXX to violate my fair crediting act rights in closed and is complaint I will show that the account for XXXXXXXX XXXX  is a illegal account the account is over XXXX years old the account was originally open XXXX of XXXX we are now in XXXX of XXXX by fair crediting act laws This account should have deleted XXXX years ago XXXX XXXX had no rights to the account from the get-go the original creditor was XXXX XXXX XXXX XXXXXXXX has no information on this account because they closed it because they were sent a cease and desist in XXXX They have no knowledge on how XXXXXXXX XXXX even receive the account and told me not to pay XXXX XXXX anything because they can not collect on a debt that is past XXXX years old to begin with XXXX XXXX has uploaded more than {$86.00} negative remarks the account is showing closed but it's showing that it was sent to a lawyer and to a debt collecting agency within the company that is all a lie that is incorrect information They lied to experience and said that the account was open XXXX of XXXX which is another lie and it was done purposefully by XXXXXXXX XXXX  I was threatened by this company several times through phone calls This company has been sent a cease and desist I will enclose my original credit report from XXXX that shows the account from XXXX XXXXXXXX the original account and the account was open in XXXX of XXXX not XXXX of XXXX like XXXX XXXX reported on my credit report This company needs to be stopped I want all information from XXXX XXXX removed from my credit report immediately delete it completely all negative remarks to be deleted

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 2024-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am writing regarding sloppy and negligent recordkeeping by my mortgage servicer Shellpoint.I am in receipt of a document indicating an auction date of XX/XX/XXXX for a past due balance over {$20000.00}. This amount is erroneousand doesn't reflect a paid in full repayment plan initiatedin XXXX of XXXX is my belief that my servicer has intentionally given me false information in order to expedite an illegal foreclosure proceeding. 

ACH payments were discontinued without my knowledge creating this undue XXXX Missouri foreclosure proceedings legally cant occur until 120 days of delinquency.I also believe that the servicer intentionally XXXX the online portal to prevent me from making payments to further my delinquency and move towards foreclosure.I have attached records of our repayment agreement, as well as XXXX payments deducted from my account up until XXXX of this year, which Shellpoint claims didnt happen. 

Not only have they prematurely set an auction date, theyve also engaged in dual tracking, as I applied for forbearance thinking I owed {$20000.00} but in reality, Ive only missed a couple payments.I entered a repayment plan and paid monthly as promised, and the servicer has no record of it. 

Not only have they provided false information pertaining to the amount that I owe, they did not continue XXXX payments after the repayment was complete and made no provision for me to continue payment.I 've attached bank statements reflecting no overdrawn or insufficient funds for XXXX or XXXX representatives from Shellpoint indicate that I havent made an ACH payment since XX/XX/XXXX. As the payment history document attached can attest, that is not true. 

Per an email attached, XXXX XXXX indicates that she had spoken with her client regarding my hardship options when in fact she had not.

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 2024-11-08 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
Debt collectors has been sending text messages, emails, phone calls and voicemails daily threatening me and harassing me. They also sent someone over to my home with a XXXX. I withness someone taking pictures of my personal property and theyre calling my friends and family harassing them as well. I need help putting this to an end and stopping these people from intimidating my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). My personal information was compromised as a result of a recent data breach, leading to unauthorized accounts and inquiries being reported under my name.

I respectfully request that you block and permanently delete the following accounts from my credit file : Fraudulent 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 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 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 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 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 2024-11-08 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation