vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent account and inquiry listed below from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am filing a complaint regarding incorrect information on my credit report due to identity theft. I became aware that my personal information, including my Social Security number and driver 's license number, was compromised and used to open fraudulent accounts without my knowledge or consent. The fraudulent activity has significantly impacted my credit report, and I request your assistance in rectifying the incorrect entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Last Wednesday, XX/XX/year>, PNC Bank called me to ask if I had made XXXX charges. I told the representative my last transaction to the account was a wire transfer on XX/XX/year>, in the amount of {$20000.00}. The PNC representative informed me someone had charged my card on XX/XX/XXXX and XXXX and the charges were over {$20000.00}. The following day I went into the PNC Branch at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and disputed the charges with Business Banking Center Assistant Manager XXXX XXXX I requested for the account to be credited because I was due to close on a loan with the funds that were stolen. She asked for me to file a police report and I filed the police report on Monday, XX/XX/year>, in XXXX XXXX, in-person because of the high amount stolen. XXXX XXXX told me it may take longer to credit the account because of how the theft occurred. Today I called and for over 2-hours given the run around from the bank about crediting the account. A rep reached out to me this afternoon XXXX XXXX, from PNC to discuss the issues and again provided no help. I am contacting Consumer Financial protection Bureau to assist with getting my funds back and to have PNC bank be transparent in where the process is and will go. XXXX XXXX stated some of my disputes were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint mortgage erroneously sent XXXX property insurance payments instead of XXXX. I received a large refund from the insurance company, and then replenished the escrow account at Shellpoint. However they raised my mortgage payment signicantly. This happened in XXXX. It is not XXXX, and they finally adjusted the payment, but it is still incorrect and {$900.00} per month higher than my previous payment. They are using what they call an " : Escrow shortage '' to justify, but they created the shortage with their errors. Also they are not applying the recent payment I sent because it is less than the new payment they are demanding.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hard inquiries appear on my consumer report from companies that I not authorized to engaged with my 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 explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am submitting this complaint due to inaccurate credit reporting by Equifax related to my XXXX XXXXXXXX XXXX account, despite several attempts to resolve this matter through previous disputes. Heres an outline of the key issues : Account Details and Timeline : This account was closed as of [ last known account status date ] and was reported with a {$0.00} balance on XX/XX/XXXX. Despite the account 's closure and my consistent on-time payments, Equifax reported a late payment for XX/XX/XXXX. 
Dispute History : I initiated disputes with XXXX and XXXX, both of which investigated and corrected the inaccurate reporting, removing the erroneous late payment. However, Equifax has not yet made these corrections despite being informed of this issue multiple times over the past year. 
Impact on Credit Report : Due to this discrepancy, my Equifax credit report inaccurately reflects a late payment. This inconsistency is negatively impacting my credit score and affecting my ability to secure favorable financial terms. 
Violation of FCRA Standards : Under the Fair Credit Reporting Act, Equifax is obligated to maintain accurate and timely reporting. I believe this prolonged inaccuracy and failure to correct the information after sufficient notice is a violation of 15 U.S.C. 1681i ( a ) on XXXX part. 
Desired Resolution I am requesting that the CFPB direct Equifax to conduct a full re-investigation of this account, ensure the removal of the erroneous late payment, and confirm the updated status of my credit report in writing. Additionally, I would appreciate XXXX explanation for the delays and errors in their reporting. 

Thank you for assisting with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
See my other complaints. XXXX XXXX did not refund the product that was returned to them. As a result, XXXX ruined my credit and will not respond.

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 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I used Santander Consumer for a car loan. 

My payments were roughly {$460.00} a month, in which i was paying {$500.00} a month. {$250.00} on the XXXX and {$250.00} on the XXXX. 

They wouldn't process my payment until after the XXXX claiming I was paying my payments late. 

Multiple times the company filed towards my credit that my payments were between XXXX and 90 days past due when they were not. 

The company also never called me but said they called some other number to contact me that I've never heard of. 

In XXXX I paid off the car and the manager there said she was going to fix all the negative remarks that went towards my credit.

Instead even after the car was paid off they filed that my payment was 90 days past due.

Over the period of almost 5 years that I had this car loan Santander Consumer has ruined my credit.

My credit score was almost XXXX again and now even after the car is paid off my credit is at XXXX making it impossible to get a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 request the blocking and permanent deletion of specific accounts and inquiries from my credit report due to a recent data breach. As a victim of identity theft, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have fraudulent information removed from my records.

Please block and delete the following account from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX  - XXXX - XX/XX/XXXX - {$9900.00} Inquiries to Be Removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a gift card that I had to return an item to lowes refund receipt attached and they returned funds to card and card not accessible so please send me a check and close the gift card. 

See all attached docs and below is what happens everytime I attempt to check gift card balance at american express The system has experienced an unknown error. Please wait a few minutes and try to log in again. 
The safety and security of your Gift Card is important to us. 
Check your balance only on the website or phone number printed on the Card. 
For online shopping, use at merchants that require the Card number, expiration, and security code. 
American Express - Check Balance Homepage Purchase Gift Cards Using your CardHelpCheck Balance GIFT CARDS AND BUSINESS GIFT CARDS Woman at Cafe Using Laptop Computer to Check American Express Amex Gift Card Balance Manage your Card Enter your Card details to check your balance CARD NUMBER ( 15 digits, no spaces ) EXPIRATION DATE ( MM / YY ) SECURITY CODE ( Enter 4-digit code ) EMAIL ADDRESS XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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 2024-11-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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 2024-11-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding an issue with a reinsertion of the XXXX  XXXX account on my credit report by EQUIFAX. I initially disputed this account, and it was successfully removed. However, on reviewing my credit report yesterday, I discovered that the account had been reinserted without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I should have been notified in writing within five business days of the reinsertion. This lack of compliance has caused unnecessary harm, impacting my credit standing and trust in the reporting process. I request the CFPB to intervene to ensure that this account is permanently removed from my report and that the bureau adheres strictly to notification requirements for any future changes. I also ask for appropriate oversight measures to prevent further violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I viewed my consumer report and noticed inaccurate and inconsistent information with the bureaus. The payment history, recent payment, balance, and status they are reporting for this account dont match my records. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX ITEMS IN DISPUTE : Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXXXXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: HI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
this account is 7 years old and should be deleted off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief