vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
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 2024-04-16 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: OH

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: OH

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1803 Capital, LLC
State: CA

Complaint narrative:
XXXX has seemed to not mind violating my constitutional rights by some how reporting that my vehicle loan is closed when it has only been sold. this misinformation has caused my credit score to decrease substantially by XXXX points and is creating an ( extreme ) hinderance to the functionality of my ability to prosper as a human being. This misinformation is to be reported accurate pusrsuant to 15 U.S.C 1681 FCRA regulations and is persecutable by law. Please correct a.s.a.p.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A dispute was submitted XX/XX/year> for inaccurate reports furnished on a consumer report. All of the inaccurate reports disputed was confirmed to be inaccurately reported and deleted by the consumer reporting agency. These inaccuracies violate 16 CFR Subchapter F, 15 USC 1681, Consumer Financial Protection Act, The Fair and Accurate Credit Transaction Act, Fair Trade Commission Act and The Privacy Act. There was no delivery of opt out notice provided ( 17 CFR 248 violation ) nor was there any verification of the information done with the consumer before the inaccurate furnishing ( 12 CFR 1022 violation ).

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
A company named Portfolio Recovery Associates has been harassing me with excessive phone calls for the past month. They spoof phone numbers similar to mine and will not stop calling and harassing me. I do not have any debt sent to collections and closely monitor my credit. I have asked them to stop calling and they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My XXXX passed away in XXXX. I am currently very XXXX and in a XXXX facility, with XXXX issues. My daughter XXXX XXXX has full power of attorney. This has been sent to Chase multiple times, including an original being brought to the XXXX branch months ago, and copies being uploaded through my account portal. 

Yesterday I tried to pay my XXXX via XXXX. My account was " frozen. '' I've been trying to unfreeze it with my daughter. No one at Chase will accept the power of attorney. I am told the only way I can " unfreeze '' it is to get a code to my cel phone -- I have never had a cel phone -- or go in person to a branch -- I'm XXXX and can not leave my facility. THAT'S WHY MY DAUGHTER HAS POWER OF ATTORNEY. 

I gave the person on the phone my date of birth, social security number, a picture of my driver 's license, my address, and so on. But I still can't pay my XXXX home bill -- Chase is holding my money until I go in person. 

I feel that this is a violation of the Americans with XXXX act. I would like Chase to reach out TO MY DAUGHTER as soon as possible. The XXXX  of the horrible person on the phone today has upset me too much. I understand you have to verify things, but I spent weeks getting all of my proxies and powers of attorney in place so I would not have to deal with these things, but Chase has decided to live by their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I am having issues with XXXX XXXX XXXX License # XXXX. They are reporting inaccurate information on my credit report that is severely hurting my credit. I asked several times to remove this inaccurate information and they still refused. I also researched this company and found they have no license to operate in my state of Texas. 

I also asked Experian to investigate and they replied with a generic response that they did the investigation and the information was accurate. However, this company is not even licensed to collect debt in Texas

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 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a Synchrony Bank card for Lowes. My credit limit is only {$1000.00}. I have no interest for 12 months. I have had the card less than 12 months and made XXXX payments. Latest payment was XX/XX/24 in the amount of {$84.00}. The paper mailed bill has the pay before date of XX/XX/24. When I requested why my account was closed but the bank is still calling daily and leaving voicemails for me to call and become current. I. am current! I have no intention of paying the remaining balance until more information is provided or lawyers become involved. I am at a lose on how a bank can cancel a store card when their own due date was met with the minimum payment but decided to close the account with no explanation and still harassing the account owner daily for additional payment. 
Remaining balance {$690.00}. 

If there is some assistance for the following to ensure the bank did not act unlawfully at the discretion of personnel regardless of financial laws Account #

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 2024-04-16 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: GA

Complaint narrative:
I XXXX XXXX XXXX recently reviewed my credit report and notice I had fraudulent and inaccurate accounts on my report. Please remove this account from my report. This is 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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year> {$1200.00} Credit Corp Solutions , Inc I have no knowledge of this account. I never received any letter or email about this. There is no information about the original owner of this debt. I found about this debt while checking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Around XX/XX/2024 XXXX XXXX XXXX placed a debit collection on my credit report ( which they shouldn't have ). After them removing it all the credit limits on my credit cards started declining and my credit score went down I reached out to Equifax to understand what had happened. given an they could not tell me I am believing they have committing fraud reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I worked with a local company and got an XXXX  loan in XX/XX/2021. At closing I prepaid ( as is normal ) my insurance, taxes - escrow for the coming year. 

The local company sold, without my prior knowledge, my loan to Pennymac. 

I received from Pennymac a notice dated XX/XX/2021 stating the purpose to be to inform me that my " mortgage loan '' number XXXX, " was sold to PENNYMAC LOAN SERVICES , LLC ( Creditor ) on XX/XX/2021 It goes on to say this : " no action is required on your part '' again, after it puts these words highlighted in the caption! 

However, when I learned months after this was sold that my insurance company was gon na cancel my homeowners that I prepaid the mortgage company because they did not receive the payment. I called Pennymac, and Pennymac had the audacity to tell me that it was MY FAULT -- that I was supposed to send them the insurance company info. My first Lender says that Pennymac HAD THAT INFO, and I have read several complaints with XXXX  and review stating that Pennymac failed to pay THEIR PREPAID INSURANCE ALSO. 

I believe Pennymac must be operating a scam. 

Pennymac paid the insurance late, and the insurance company sent me a notice stating they were going to cancel -- a notice which was sent to me AFTER the deadline date in that letter! So I called Pennymac again and we had a conference call with the insurance company, and even though Pennymac paid them MONTHS LATE - THE insurance company rep said they would reinstate it. 

I DID NOT LEARN until later that Pennymac had bought it's own EXPENSIVE INSURANCE AND STARTED CHARGING ME EXORBITANT AMOUNT FOR IT. 

Because they refused to take responsibility for this and blamed me, and they would not tell me how to appeal or how to contact their superior in the company, at the time I had to settle for a payment plan where they added only part of the amount per month to make up for the EXCESSS I NOW KNOW THEY CAUSED. 

i AM NOW TRYING TO FIND OUT WHO WILL HELP WITH THIS BECAUSE I DO NOT OWE FOR PENNYMAC 'S NEGLIGENCE. aFTER READING THAT THEY HAVE DONE THIS TO OTHERS, I AM CERTAIN THIS IS A SCAM. 


My original payment was XXXX and is now XXXX - AND THAT DOESN'T EVEN INCLUDE THE FULL AMOUNT. THIS WAS ADDED TO MY MORTGAGE FOR SEVERAL MONTHS. AS SOON AS i REALIZED THEY WERE DOING THIS, i GOT MY OWN INSURANCE POLICY, BUT THEY DID THIS WITHOUT TELLING ME AND NOW EXPECT ME TO COVER THE COST. 

IF THEY ARE DOING THIS AND GETTING KICKBACKS FROM EXPENSIVE INSURANCE COMPANIES I WOULD NOT BE SURPRISED. 

I WANT THE ENTIRE AMOUNT OF PENNYMAC 'S ADDED INSURANCE REFUNDED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding erroneous reporting of late payments by Equifax, associated with my XXXX account number XXXX. I have wrote a letter to Equifax dated XX/XX/XXXX and did not receive a response back. According to my credit report, Equifax has recorded late payments of 30 days in XX/XX/XXXX and XX/XX/XXXX. However, I assert that these late payments are a result of a billing error rather than any negligence on my part. 

As per the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ), creditors are required to send billing statements at least 21 days before the payment due date. I have not received the statements for the mentioned months within the stipulated time frame. Therefore, I believe that the reported late payments are unjust and inaccurately damaging my credit score. 

I request that the late payments on my account be promptly updated to reflect that they were paid on time. It is imperative that this correction is made as soon as possible to mitigate any further adverse effects on my creditworthiness. 

Additionally, if XXXX insists that the billing statements were indeed sent to me within the required time frame, I kindly request that they provide me with a copy of the certified receipt bearing my signature as proof of delivery. Without such evidence, I maintain that the late payments were erroneously reported and thus require correction. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in my credit report. Please keep me informed of any developments regarding this complaint and provide guidance on any further steps I should take to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEALTHFRONT CORPORATION
State: VA

Complaint narrative:
I contacted Wealthfront to change a phone number on my account on XX/XX/year>. Since the account was old not funded they would need to disable the profile, so that I could setup a new account. I successfully setup the account and linked one of my banks to deposit {$250.00} which appeared to be successful. Moments later I received an email that stated my account was denied due to the inability to verify my identity. I promptly contacted Wealthfront and stated to customer svc rep " XXXX '' what could be done to resolve the identity issue he stated " NOTHING ''. Immediately disturbed by the response I forwarded my denial email to XXXX, XXXX for further guidance.

Company response to consumer: Closed with explanation