vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number XXXX, has violated my rights. 

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 states. A consumer reporting agency can not furnish a account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper has been in charge of and has handled my escrow account from the time they purchased my mortgage, they handle my Private Mortgage Insurance ( PMI ), Hazard Fire Insurance through XXXX XXXX XXXX, my Wrap-Around Hazard insurance through XXXX, and my county taxes. They failed to pay my XXXX XXXX XXXX insurance by XX/XX/XXXX even when they knew the expiration date was approaching. My XXXX XXXXXXXX XXXX expired XX/XX/2024. I paid my insurance on XX/XX/2024 ( I was notified by XXXX XXXX XXXX that my insurance will be cancelled if not paid and there is no grace period ). Mr Cooper policy states insurance will be paid 10 days prior to expiration date, Mr. Cooper failed to follow there own policy and would have made me lose insurance coverage for my home if I had not caught their mistake.

Mr. Cooper sent me notice of expired insurance on XX/XX/XXXX ( well past the actual expiration on XX/XX/XXXX ) and asked for proof of insurance. 
I sent proof of insurance on XX/XX/XXXX to Mr. Cooper and got confirmation that they recieved my proof of insurance. The document that I sent states in bold letters " THIS IS NOT A BILL ''. Mr. Cooper ( without informing or asking me ) took it upon themselves to pay in full my insurance that I had already paid, at this point my insurance is double paid and my escrow account is missing {$2100.00}. On XX/XX/XXXX I talked to three different individuals at Mr. Cooper, I asked them to cancel the transaction on their end and refund the {$2100.00} to my escrow account. Mr. Cooper told me they couldn't do anything about the transaction and I would get a follow up email within 5 days. It has been greater than 5 days and my account is still missing {$2100.00}. My XXXX XXXX XXXX XXXX does not show any activity from Mr. Cooper, only the payment that I myself had made. {$2100.00} is in limbo from my escrow account and Mr. Cooper has stated they can't help with the issue. Another concern is that I would not have had insurance on my property between XX/XX/XXXX and XX/XX/XXXX had I not caught Mr. Cooper 's mistake. I ultimately wish to close my escrow account through Mr. Cooper, they have proven themselves incompetent with handling my accounts and can not be trusted to handle finances or pay my debts. I am concerned I will incur fees, and interest when Mr. Cooper fails to pay my insurance or property taxes within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, with an account number ending in XXXX totaling at {$13000.00} ; a fraudulent credit card account opened at XXXX XXXX in XXXX, XXXX, with an account number ending in XXXX totaling at {$590.00} ; and fraudulent XXXX services obtained from XXXX XXXX XXXX XXXX in XXXX, XXXX, totaling {$700.00}. 

These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

You are also in violation of 15 U.S.C. 6802. Obligations with respect to disclosures of personal 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 2024-11-14 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, with an account number ending in XXXX totaling at {$13000.00} ; a fraudulent credit card account opened at XXXX XXXX in XXXX, XXXX, with an account number ending in XXXX totaling at {$590.00} ; and fraudulent XXXX services obtained from XXXX XXXX XXXX XXXX in XXXX, XXXX, totaling {$700.00}. 

These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

You are also in violation of 15 U.S.C. 6802. Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Company closed my account after 15 years in good standing. This adversely impacted my credit score. I attempted to reopen the account and they denied the request due to my credit report ( which was damaged as a result of their actions ). Very poor customer service as well.

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 2024-11-14 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: TN

Complaint narrative:
I am requesting and authorizing that the security freeze applied on my TransUnion credit report be lifted. As I have been a victim of Identity theft and I need changes to be made on my report to prevent further fraudulent activity and this has been negatively affecting my mental health and financial standing. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.

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 2024-11-14 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: TN

Complaint narrative:
I have been a victim of Identity theft and I need changes to be made on my report to prevent further fraudulent activity and this has been negatively affecting my mental health and financial standing. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am writing to dispute the validity of the debt listed on my credit report. In accordance with the FCRA 15 USC 6802, I didn't give you permissible purpose to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX, while in the process of moving, I started researching credit card benefits, specifically looking for one with a 0 % APR to help cover expenses. I found that the XXXX XXXX XXXX offered 1.5 % on all purchases and doubled points earned during the first year. I called a Chase branch to schedule a meeting and discuss which card would be the best fit. When I met with an associate, they informed me that by opening the XXXX XXXX in-branch, I would receive XXXX bonus points instead of the usual XXXX. The address to that branch is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I filed a complaint shortly after receiving the incorrect bonus amount XXXX instead of XXXX, but I was repeatedly given the runaround. Finally, an associate explained that it was likely due to a branch-specific promotion. I then filed a complaint directly with the branch. The complaint department quickly called me back, only to inform me that there was nothing they could do about it. 

Short of driving XXXX hours XXXX way to that specific branch I've received no help about this issue. I have repeatedly called and I can not speak to that specific branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-11-15 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/year> SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The TransUnion Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The TransUnion Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft 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 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XX/XX/year>, I got off the phone with best buy Citi bank visa customer service and they refused to answer why they will not accept my credit card as legal tender. I trust my bank more than I trust them, and the links provided don't feel secure. Also, when I was asking the representative honest questions, she would not answer. Her replies were only " only accepting debit card, bank account or checking account ''. Because it felt like a call straight from an XXXX scam call center, I did not feel safe giving that information. ( I am not XXXX, just using the stereotype as a reference ). Also, the way Citi bank refuses makes the website and company feel fraudulent in their financial practices. I am glad I chose the option for no interest. I really want to pay this card, but they are making it unsafe to do so.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

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 explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
My accounts 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/updated. 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. 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!

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 2024-11-14 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: AL

Complaint narrative:
I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the accounts being verified and currently remain on my credit report.

I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice.

Your agency has clearly refused to obey the law and honor my previous request so I am requesting now a reinvestigation and demanding that your agency to explain your Method of Verification, in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 U.S Code 1681i ( 7 )

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 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: NE

Complaint narrative:
The company stopped sending me statements/billing documents in XXXX of 2024. On the online portal it also only shows statements until XX/XX/scrub> 2024. My loan isnt finished and there is still a balance but I am not receiving any billing statements. I have reached out to them multiple times to get billing statements and I keep being told they put in a ticket and theyll fix it. It is now XXXX and it is not fixed and I have no billing statements still. Here are some of the dates that I called and spoke to agents/put in tickets : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have also requested official account summaries and I keep being told they will do it and never do.

Company response to consumer: Closed with explanation