vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Lets just start off by saying I HATE PNC BANK! XXXX have THE worse customer service EVER. Lack of knowledge customer service agents, call avoidance, just everything is all wrong! They are the worse to communicate with. As soon as I find time to open another bank I will do so! They reverse dispute credits and put your account in negative and charge fees for every little thing! And then lie about why the charge was reverse! Extremely hard to speak to an higher level of support! Dealing with the customer service agents makes my XXXX XXXX rise! They put you on extended wait times without checking in. This is a corruption!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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:
This company is providing fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
After the XXXX XXXX data breach along with XXXX  loss of private information, we noticed unusual activity rose from several companies including Jefferson Capital Systems. I provided the HR department with many documents proving my information was fraudulently used. This matter went ignored, I then requested that they provide me with hard core proof linking me to sed account. This company has still failed to meet my requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
XXXX credit card on my credit reporting of potentially negative on XXXX XXXX XXXX for 30 days late payment. 

15 U.S code 1681a ( 2 ) ( Ai ) 15 U.S code 1666b ( a ) 15 u.s code 6802

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX credit card on my credit reporting of potentially negative on XXXX XXXX XXXX for 30 days late payment. 

15 U.S code 1681a ( 2 ) ( Ai ) 15 U.S code 1666b ( a ) 15 u.s code 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding my experience with American Express and its refusal to approve my application for a credit card, as well as its apparent blacklisting of my identity. I applied for an American Express Platinum Card on XX/XX/XXXX ( application number : XXXX ). Despite my good faith efforts to address my credit history, American Express denied my application immediately, and subsequent correspondence has indicated that I have been placed on an internal blacklist by the company, which I believe is unlawful.

American Express Cast The First Stone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I wrote to American Express requesting that my name be removed from any internal blacklist affecting my ability to obtain a credit card. I acknowledged previous identity theft-related negative marks on my credit history, but I have been working diligently with credit restoration specialists from XXXX, XXXX, and XXXX to improve my credit file. I also raised concerns about possible discrimination, citing the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ), requesting that American Express review my case for discriminatory factors.

On XX/XX/XXXX, I received a letter from American Express explaining that my application was declined due to the cancellation of my previous account. I wrote Amex regarding a difficult divorce, which resulted in financial loss and identity theft. I believe this account closure, which occurred under extreme personal and financial hardship, should not impact my ability to secure a new credit card today.

Blacklisting previous credit card customers is illegal, unconstitutional, harmful, and discriminatory. The FCRA, passed in XXXX, prohibits the maintenance of hard blacklists to prevent discrimination in lending and ensure proper use of citizens ' private data. The ECOA, enacted in XXXX, also forbids maintaining blacklists to ensure fair and equal access to credit for all consumers. Blacklisting exacerbates economic inequalities and permanently excludes individuals from access to credit, blacklisting prevents people from rebuilding their financial lives. Blacklisting denies individuals the opportunity to challenge or appeal their status, which goes against principles of fairness and due process and unfortunately widespread blacklisting can have broader economic consequences by limiting consumer spending and economic growth. Blacklists often contain errors that unfairly penalize innocent consumers who have fallen victim to identity theft. Blacklisting contradicts the societal goal of allowing individuals to improve their credit standing. The criteria for blacklisting is inconsistent or arbitrary, leading to unfair treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon notification and receipt of supporting documentation.

The fraudulent items I am disputing include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX Unauthorized Credit Inquiries : XXXX 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 To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary.

Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above..

Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address XXXX FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: IA

Complaint narrative:
On XX/XX/XXXX, the mortgage company ( HomeLoanServ ) claimed to have sent me an escrow overage check. I never received the check. I contacted HomeLoanServ in XX/XX/XXXX because I had become XXXX earlier in XXXX and wanted help while I was applying for XXXX. Meanwhile the mortgage company was sitting on this payment. They did not send me the check or apply the amount to my mortgage. In the meantime, they denied my requests for forbearance and continued trying to foreclose on my home. In XX/XX/XXXX, I realized that the escrow overage was never given to me and contacted the company. I had to be quite aggressive before they would listen and apply the amount to my mortgage. The escrow overage check was more than 365 days overdue, far past the 30 days allowed by law. HomeLoanServ still holds the interest they collected on my escrow overage and they refuse to remove the late fees that would not have occurred had they originally applied the escrow overage to my mortgage in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding Exeter Finance and their handling of my attempts to voluntarily surrender my vehicle and address the associated fees. I have faced significant challenges in receiving any meaningful communication or cooperation from the company, and I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter. 

On XX/XX/year>, I sent a certified return mail letter ( tracking number : XXXX ) to Exeter Finance, clearly stating my intention to voluntarily surrender the vehicle and work collaboratively with the company to find a solution that would be mutually beneficial. Additionally, I included a request to address the outstanding fees in a reasonable manner. I still have the vehicle and will not surrender it without written communication from Exeter Finance. There have been too many issues in the past with relying solely on verbal communication with representatives. I also requested clear instructions on how to proceed with the surrender process. In conjunction with this written communication, I submitted an inquiry via Exeter Finances customer portal to further express my intention and seek assistance. In response, I was merely advised to call their customer service line. Despite following their instructions and making efforts to communicate, I have not received any formal written response or meaningful guidance from the company.

Furthermore, I included the return receipt tracking number ( XXXX ) as proof of

delivery for my certified mail communication, which shows that Exeter Finance received my correspondence. The lack of acknowledgment or response to my written and electronic communications is deeply frustrating and unprofessional. I am extremely disappointed with the company 's unwillingness to provide viable solutions to assist customers like myself. Exeter Finance 's interest rates are exorbitantly high, and they offer no meaningful support to retain customers or assist with financial hardships. Their apparent lack of communication and refusal to engage in constructive problem-solving only exacerbates an already difficult situation. I respectfully request that the Consumer Financial Protection Bureau intervene to ensure Exeter Finance provides a timely and comprehensive response to my inquiries. I am seeking a resolution that allows for a fair and transparent process to turn over the vehicle and address any associated fees without punitive measures. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX I was asked by Wells Fargo to send m

y Flood Insurance to them. I uploaded to the email sent to me. I got a letter stating they got the information and at the same time got my escrow showing they purchased a Flood Plan. I resent the Flood Ins showing they already had this information and requesting a call. I asked them to call me about the additional Insurance plan they make me carry. No one has called, I got an email stating they would contact me in 10 days. This was around the Holidays. I emailed again stating I do not believe I need the additional plan and it is too expensive to continue to carry. I pay in my HOA for coverage and due to Insurance going up my HOA is just shy of XXXX a month. I can not continue to pay all this coverage in double.

I do not trust that Wells Fargo is checking my Insurance plans that I have and just making me get more coverage. I have emailed and even called at XXXX XXXX to speak to someone. No one answers it is hold and disconnect and no one emails back.

I can no longer pay all this insurance and this will affect my loan. I have a statement now because of the get me a plan cancel a plan and all the in and out on my escrow showing a XXXX shortage and I do not believe this is correct and can not speak to anyone. Please help me take the appropriate steps to fix what Wells Fargo can not help me with.

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 explanation
Consumer complaint received 2025-02-06 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:
I have reached out to the following companies Experian, Equifax and Transunion, along with XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX. I provided them with an FTC report as well as a sworn police report Number ref here : ( XXXX ). 

XXXX XXXX XXXX$15000.00}, XXXX {$11000.00}, XXXX XXXX {$13000.00}, XXXX {$16000.00}, XXXX {$7900.00}. 

My concern is that they are erroneously processing my block request as a dispute and conducting an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
I have reached out to the following companies Experian, Equifax and Transunion, along with XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX. I provided them with an FTC report as well as a sworn police report Number ref here : ( XXXX ). 

XXXX XXXX XXXX$15000.00}, XXXX {$11000.00}, XXXX XXXX {$13000.00}, XXXX {$16000.00}, XXXX {$7900.00}. 

My concern is that they are erroneously processing my block request as a dispute and conducting an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime 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 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Date of service XX/XX/XXXX. I received numerous bills from XXXX XXXX. I contacted their billing office and reconfirmed billing information that my primary insurance was XXXX my secondary insurance XXXX XXXX XXXX XXXX XXXX. Called XXXX XXXX billing. They said ok to hold off on payment until they billed XXXX. Received same bill again/ called again and the billing office said they would follow up and bill XXXX.. they had not yet billed them. OK to hold off payment. 
On XX/XX/XXXX Cornerstone XXXX XXXX issued two debt collection letters. My mail was held until XX/XX/XXXX as I was out of state. I first saw this debt notice on XX/XX/XXXX. I called Cornerstone XXXX on XX/XX/XXXX and disputed this debt. I advised that XXXX XXXXXXXX had said that they would bill my secondary XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance BC/BS and asked collector to double check with the medical provider to confirm bill was still owed. Collector refused to do that saying it wasnt her job. She said she assumed XXXX had not paid because it was sent to collections. I told her I thought she needed to double check to see if bill paid. She said at beginning of call that she had lots of accounts from XXXX XXXXXXXX. I said sounds like their billing is messed up. On XX/XX/XXXX I called billing at XXXX XXXX and spoke to XXXX. She put me on a long hold for about 25 minutes. She then reported my bills had already been paid in full by XXXX and shouldnt go to Collections I repeated that they already had. I asked if she would notify Cornerstone XXXX and she said she would. My complaint is about XXXX XXXX for repeatedly trying to bill me and referring my bills to Collection when bill was paid. Also complaint that Cornerstone XXXX refused to take any action to verify was valid debt for unpaid bill. Before sending collection letters, Cornerstone XXXX should verify that the debt is indeed valid. This was not valid debt. Bill was paid in full. Was wrongly referred to collections,

Company response to consumer: Closed with explanation