vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am writing to formally resubmit my complaint to SYNCB/XXXX XXXX regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XXXX XXXX XXXX The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.

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 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
1. Pennymac mortgage increased my payments in a letter on XXXX XXXX XXXX  from {$1200.00} to {$2300.00} due XXXX XXXX XXXX Two things happened, First, unbeknownst to me my XXXX XXXX XXXX XXXXXXXX application was incomplete and beginning XXXX XXXX XXXX  I began working with the XXXX XXXX XXXX XXXX to correct this issue. It is resolved as of XX/XX/year> but not yet reflected in my escrow. Second, XXXX paid XXXX insurance companies when I had changed policies. XXXX XXXX XXXX XXXX raised my premium from {$920.00} on XX/XX/XXXX, XXXX to {$3100.00} for XX/XX/XXXX, XXXX causing me to obtain a cheaper policy at XXXX. Because XXXX paid both policies, my escrow was at {$0.00}. This was a XXXX over payment and I dont understand why it the old company payment was not refunded the premium. 

XXXX. I have spent literally hours on the phone and with XXXX message center regarding the XXXX XXXX XXXX XXXX. 
XXXX increased my mortgage payment by several hundred dollars a month for 30 months to cover the escrow deficit. The taxes were corrected and refunded to me by XXXX XXXX and I paid {$3000.00} directly to escrow, however in the meantime I have been paying an increased mortgage amount. The escrow account is now balanced but XXXX performed an escrow analysis and insists I still pay the increased mortgage amount! 
Please advise of any actions available to resolve the payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transition said that the complaint Submitted to the CFPB on XXXX  : there was freeze only account therefore you all was not able to recover and resolve this matter, and I need to to bre reviewed. an re opened for resolving, XXXX had been resolved and XXXX. 

I am a victim of identity theft and I noticed that my credit reports contain accounts, name, inquiries, that I do not recognize. I did not give any person permission to have or obtain my non public personal information. I have a police report regarding the theft. Transunion, XXXX, and XXXX are reporting unverified, inaccurate, and fraudulent information. They do not have proof of authority. to report anything especially accounts that are a result of theft.

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 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transition said that the complaint Submitted to the CFPB on XXXX XXXX there was freeze only account therefore you all was not able to recover and resolve this matter, and I need to to bre reviewed. an re opened for resolving, XXXX had been resolved and XXXX. 

I am a victim of identity theft and I noticed that my credit reports contain accounts, name, inquiries, that I do not recognize. I did not give any person permission to have or obtain my non public personal information. I have a police report regarding the theft. Transunion, XXXX, and XXXX are reporting unverified, inaccurate, and fraudulent information. They do not have proof of authority. to report anything especially accounts that are a result of theft.

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 2024-12-06 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to dispute two unauthorized interest charges on my NFCU credit card account, number ending [ XXXX ]. These charges, totaling {$66.00}, were incurred on XXXX XXXX XXXX ( {$56.00} ) and XXXX XXXX XXXX  ( {$9.00} ).

Despite paying my credit card balance in full each month, these interest charges have been added to my account without any justification. I have attached copies of my statements for your reference. 

I previously reported the XX/XX/XXXX charge over a month ago, but have yet to receive a satisfactory explanation or resolution. It is deeply concerning that my account has been accessed to impose additional, unwarranted fees. 

I demand an immediate investigation into these unauthorized charges and a full refund, including any applicable interest. I expect a timely response and resolution to this matter. 
Thank you for your prompt attention to this urgent issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The court appointed me as the conservator of the estate of an elderly gentleman. 
I gave XXXX the court order on XX/XX/XXXX. 

After nearly two weeks, XXXX told me it had reviewed the order and said I could now return to the branch to open the conservatorship checking account. 

I opened and funded the account on XX/XX/XXXX. 

On XX/XX/XXXX, I received a telephone call from a gentleman in XXXX 's fraud department who informed me that XXXX closed the account. He refused to tell me the reason. 

By this time, I had already sent a check for {$25000.00} to pay the conservatee 's home care agency for 30 days of service. The bank did not honor the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been having a problem with fraud and I have reached out to the credit bureaus for a resolution and I havent received one. I provided everything they asked from me and I havent received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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:
I am disputing several inaccuracies on my credit report reported by various companies. These inaccuracies include unverifiable negative account entries and outdated personal information, which persist despite my prior disputes under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused harm to my creditworthiness, leading to potential denials of credit and unfavorable financial terms. 



Key Issues : 1. Negative Account Information : Certain accounts, including those reported by XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX, are listed as charge-offs with inconsistent and unverifiable balances and reporting. 

For example, XXXX XXXX XXXX reports a charge-off of {$88000.00} with a balance of {$97000.00} as of XXXX XXXX  which is inconsistent and raises questions about the accuracy of the reporting under FCRA standards XXXX 

2. Outdated Personal Information : My credit report contains multiple outdated addresses and name variations that are no longer accurate. Examples include incorrect variations of my name and addresses, which contribute to confusion and potential errors in my credit profile.

Applicable Legal Standards : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. These inaccuracies and the failure to properly investigate my prior disputes violate these legal standards.

Resolution Sought : I respectfully request the following actions : 1. Immediate removal of all unverifiable and inaccurate negative entries, including but not limited to accounts reported by XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

XXXX. Correction of my personal information to reflect only accurate, up-to-date details. 

XXXX. Written confirmation of the resolution within the statutory timeline. 



These actions are necessary to ensure compliance with federal law and to protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, Social Security number ( XXXX ), Birth Date : ( XXXX XXXX ). This CFPB complaint has been filed pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This is fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached the fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Letters XXXX Letters Letters & Status Dispute Items Educate Messages Invoices Activity My Saved Letters ( XXXX XXXX ) comment Here are all the letters you have created in the XXXX and saved for this client. 

Letter Name Created date Abbreviation 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  Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-06 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: AL

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 XXXX of 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 2024-12-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to dispute inaccurate information reported on my credit report concerning an account with XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable. The account details in question are as follows : - Creditor Name XXXX XXXX XXXX Account Number : - Nature of Dispute : Inconsistent and inaccurate reporting of account details, payment history, and status. 

Specific Discrepancies : 1. Payment History Accuracy : - My payment history reflects 93 % of payments made on time, yet the report also indicates a " Not Current '' status in certain months. This inconsistency does not align with the record of my payments, which show no amounts past due as of XX/XX/2024, with the status listed as " Current ''. 

2. Account Status Misclassification : - The account is inaccurately classified as an Open Charge Account while no past due amounts ( {$0.00} ) are reported. This designation is misleading and could negatively impact my credit score. 

3. Utilization Report Error : - While my credit utilization is noted as 63 %, the report inconsistently lists the credit limit twice as {$2900.00}, which creates ambiguity. The reported balance of {$1800.00} should reflect correctly based on my payments Applicable Consumer Protections : Under the FCRA : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in their reports. These inaccuracies violate this requirement.

- 5 U.S.C. 1681i ( a ) : I am entitled to a thorough reinvestigation of disputed information within 30 days.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be corrected or removed promptly.

Requested Actions : 1. Investigate and verify the account information, including payment history, account status, and credit utilization.

2. Correct any inaccuracies or inconsistencies in the report.

3. Provide me with written confirmation of your findings and a corrected credit report. 

If the information can not be verified, I request its immediate deletion from my report. Failure to address this dispute adequately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

I look forward to your written response and resolution within the legally required timeframe. 

Sincerely, 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