vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting Experian as I have made several attempts to have XXXX XXXX Removed from the account. I have realized it is reporting as Closed-Charge off. Again, this company never issued validation of debt and their tactics were aggressive in the past. I now will be seeking damages with Experian as it is IN VIOLATION of my rights and the FCRA. It has been about 2+ years that I have told you all about this account and it has not been REMOVED!

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 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to follow up on my previous correspondence regarding the ongoing issues with Select Portfolio Servicing. Despite my earlier attempts to resolve these matters directly, the servicer continues to engage in practices that adversely affect my financial interests. I respectfully request that the CFPB investigate and take appropriate action regarding the following concerns : Failure to Timely Pay Property Taxes : Select Portfolio Servicing has not remitted my property taxes on time. This delay has significant consequences, potentially jeopardizing my standing as a homeowner and exposing me to unnecessary financial risk. 

Failure to Update Insurance Information : My property has consistently been insured by XXXX. However, due to internal issues within Select Portfolio Servicing, the insurance information on file is inconsistent. The servicer has removed the insurance from its records and refused to update the mortgagee clause accordingly. As a result, the insurance payments have not been made, further compounding the situation. 

During my interactions, representatives from Select Portfolio Servicing have stated that the CFPB lacks the authority to intervene in their internal decisions. I respectfully disagree. As a consumer, I believe it is critical for the CFPB to ensure that loan servicerswho are not the actual owners of the underlying loansfulfill their regulatory obligations. Allowing such practices to continue not only harms individual consumers like myself but may also contribute to broader anti-market practices within the industry. 

For your reference, I have attached the updated mortgagee clause and documentation of the property address. I trust that these materials will assist in your review of my case. 

I appreciate your prompt attention to this matter and am hopeful that the CFPB will take steps to protect consumers from such practices. Please do not hesitate to contact me if you require any additional information or clarification. 

Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal took {$430.00} out my account and transferred it to my credit card thats delinquent. I didnt authorize that & now theyre not trying to give my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: IN

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, Experian, Equifax 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned 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 aforementioned 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-08 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: IN

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, Experian, Equifax 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned 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 aforementioned 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my Equifax credit report and to notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, all information reported to credit reporting agencies must be accurate and validated within a 30-day timeframe. 

To date, this company has failed to provide accurate verification of the disputed account within the required 30-day period. Despite this, the account has continued to be reported on my credit file, violating my rights and demonstrating unfair and potentially unlawful debt collection practices. I believe that this premature reporting is a clear violation of the law. 

Specifically, Equifax has incorrectly reported the account as " closed, '' when it should not be on my report at all. After a thorough investigation, XXXX recently conducted a thorough investigation into the same account and removed it ast it was inaccurately reported, in line with consumer rights. This discrepancy between how Equifax and XXXX handled the investigation highlights that Equifax 's failure to correct these issues is in violation of my rights under consumer protection law. 

Despite my previous communication and a formal dispute, Equifax has failed to update and remove these inaccuracies as required by law. 

Account : XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Good day, I was offered a promotional reward to open an American Express - Gold Delta Skymiles credit card in XXXX. I was approved for the opening of the credit card on XX/XX/XXXX. 

The offer was to spend {$3000.00} in 90 days to receive a XXXX bonus miles. I spent the {$3000.00} in under 90 days, but never received the bonus. I called customer service at the time and they advised that due to their system block, they could not offer the bonus. 

I believe American Express was fined recently for not honoring their offers for credit cards rewards. 

Could you kindly look into this matter? I have attached the below documents as evidence I completed their offer, but was not honored the points. 

1 ) Referral offer to spend {$3000.00} under 90 days to receive XXXX miles 2 ) Approval of the opening of the credit card on XX/XX/XXXX XXXX ) Statements from American Express showing I spent {$3000.00} in 90 days Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company closed my credit Card, And then reopened the credit card to close it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal 152 action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no 34 permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to XXXX Aggravated Identity Theft pursuant to 18 .S. G. d028 And cotchave knowingly conransfersad, possessed, or used, without consent

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 2025-02-08 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: CT

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CT

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Between XXXX and XX/XX/year>, I made eight attempts to enroll in Capital Ones hardship program, only to face repeated obstacles. Each time I called, I was told that I needed to submit documentation verifying that my payment account was mine. I went through this process at least five times, submitting the required documentation on every occasion. Despite my efforts, two representatives I spoke with expressed confusion as to why the restriction on my account had not been lifted, especially since I had provided the correct information. One representative even submitted a formal complaint on my behalf about the ongoing issue. 

However, despite these efforts, every time I checked my account to see if the restriction had been removed so I could enroll in the hardship program, the restriction remained in place. This led to the very consequence I had been trying to avoid : Capital One reported my account to the credit bureaus for late payments, even though I was actively working to prevent that from happening. Now that the late payments have been reported, I am left with no choice but to enter a repayment plan. 

I can't help but feel that this situation was intentionally set up to harm my credit history, which will have long-term effects and make it incredibly difficult to engage in any credit-related activity moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Company I am disputing : XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Phone XXXX Credit Card Company : PNC Bank I am writing to dispute a charge of {$37.00} for an event in XXXXXXXX XXXX that I did not attend but purchased in error on my credit card account on XX/XX/year>. The charge is in error because it was a duplicate purchase. The website defaulted to the XXXXXXXX XXXX date when I went to checkout. I purchased tickets for the correct date XX/XX/year>, the event which I did attend in the amount of {$40.00} which posted on XX/XX/year>. I have not been successful in explaining this to my bank or the owner as I have attempted to correct the initial purchase ( XXXX ) that was in error since XXXXXXXX XXXX. I have been charged for services that I did not receive. The owner sent me a text after I contacted my bank and said she would refund the XXXX however, I have not heard from her since. 
I am requesting that the error be corrected, and the XXXX related to the disputed amount be credited to my account. Also, the owner should have disclosure on her website the ask visitors to verify their purchase dates etc. because there is not a way to receive a refund. 
I do have copies of the event invitation with the date and my back statement showing the 2 purchases. The company did not issue a hard copy ticket it was a XXXX XXXX only. I am asking PNC to please correct the error on my account promptly with a final credit of XXXX or the owner of the XXXX provide me a full refund in the amount of XXXX. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] and FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], Equifax has repeatedly failed to conduct reasonable investigations of disputed information on my credit report. Despite multiple disputes, they continue to report materially false information in violation of FCRA 623 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ]. 
The following inaccurate information persists : False identity information - violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] 's requirement for " maximum possible accuracy '' : - Names I have never used or been associated with - Multiple addresses where I have never resided - Employment relationships that never existed In violation of FDCPA 807 [ 15 U.S.C. 1692e ], Equifax continues to report false representations about my identity and history. Their failure to provide documentation of their verification methods after multiple disputes also violates FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] 's validation requirements. 
I have submitted comprehensive documentation ( bank statements, 1099 forms, utility bills ) proving these inaccuracies. Under FCRA 611 ( a ) ( 6 ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ], Equifax was required to provide written results of their reinvestigation, including the specific documents and sources used to verify the disputed information. They have failed to meet this obligation. 
Furthermore, Equifax 's continued reporting of unverified information after disputes violates FDCPA 808 [ 15 U.S.C. 1692f ] 's prohibition on unfair practices and FCRA 623 ( b ) ( 1 ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ] 's investigation requirements. 
I request : - Complete removal of all unverified information - Documentation of their investigation procedures as required by FDCPA 809 - Written explanation of how they verified each disputed item - Review of their compliance with FCRA 's " reasonable procedures to assure maximum possible accuracy '' requirement These ongoing violations have damaged my credit profile and caused undue hardship in violation of both FDCPA and FCRA consumer protection provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Charged-Off Account on Credit Report Dear CFPB, I am writing to formally dispute the information on my credit report regarding an account listed under XXXX DIGITAL/SYNOVUS/VT, which has been charged off and sold to Resurgent Acquisitions LLC. This account appears on my XXXX credit report with the following details : Creditor : XXXX DIGITAL/SYNOVUS/VT Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off, {$490.00} written off Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX I believe this information is either inaccurate, incomplete, or unverifiable. I request an immediate investigation into this matter and ask that this account be removed or corrected accordingly under the Fair Credit Reporting Act ( FCRA ). 

Please provide any documentation verifying the legitimacy of this account, including the original creditor agreement, payment history, and any communication regarding the charge-off. If the information can not be verified, I request that it be deleted from my credit file. 

I appreciate your prompt attention to this matter. Please provide a response in writing to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
Equifax is reporting accounts on my credit report as open late and delinquent. These accounts are listed in my XXXX  XXXX bankruptcy which is listed on my credit report. This information is contradictory and hurting my ability to obtain a proper credit score and 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