vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am the treasurer for our homeowners association in XXXX We have a vendor ( also in XXXX  ) scheduled for a repeating monthly payment, we have worked with this vendor for years. The XXXX check was not received by the vendor but was issued on XX/XX/XXXX. It was cashed on XX/XX/XXXX by an unknown person by XXXX XXXX  in XXXX. The vendor brought this to my attention in XXXX; confirmed it was cashed fraudulently on XX/XX/XXXX. Met with our local PcN bank manager, XXXX XXXX, on XX/XX/XXXX and she filed a fraud report. I received a letter approximately 10 days later stating the check had been cashed, which is what I originally reported. Then received a letter saying they will not help me because a stop payment was not put on the check ( it was already cashed by the time we knew it had not been received appropriately ). I have called PnC customer service no less than XXXX times between XX/XX/XXXX and XX/XX/XXXX, 9 times alone today ( XX/XX/XXXX ). My calls are always met with a mystified person, cant find any info, transfer me without telling me, and 6 times the call has been dropped and no one called me back. I have asked for a direct phone number OR to have the person call me if they call is dropped ; they state they can not make outgoing phone calls. I have asked to be connected with a manager / vice president, someone who I can call directly, to no avail. I can not get a last name or a direct number to continue working with the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
According to the FCRA these unverified & unauthorized items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

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 2024-11-22 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: NJ

Complaint narrative:
Im disputing some addresses on my credit report because they are not accurate, and Ive never lived at or been connected to these places. The addresses Im referring to are : XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX and XXXX XXXX XXXX, XXXX, NJ XXXX. These addresses dont belong to me, and their presence on my credit report is misleading and could affect my credit profile. Im requesting that they be removed as soon as possible to ensure my personal information is accurate and up to date.

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 2024-11-22 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: MOHELA
State: SC

Complaint narrative:
An account recently appeared on my credit report with Mohela/Dept of Ed as a creditor for a loan opened XX/XX/XXXX for an original balance of {$5500.00} and a current balance of {$5600.00}, originally reflecting the status as in forbearance. I do not have any student loans currently and was not in school at the time the record shows the loan was opened. It also reflects a payment made as recently as XX/XX/XXXX. 

I contacted Mohela directly on two occasions and they were unable to locate any account with my social security number. I also filed a credit dispute with XXXX. The response provide validated the debt but corrected other information, specifically removing the forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-22 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: EdFinancial Services
State: PA

Complaint narrative:
Edfinancial Services XXXX XXXX XXXX XXXX, TN XXXX Writ in the nature of discovery XXXX. Send me and the CFPB the certified document of the delegation of authority order issued to your company from the congress of the United States XXXX XXXX XXXX. 

XXXX Who ever signature is on this Certified order need to send proof of their nationality, proof of their political allegiance, and a DOAO ( Delegation of Authority order ). 

XXXX. Why is this instrument presented commanding of me money ; when I have no money? 

XXXX. Is your organization foreign for domestic? 

XXXX. Send the copy of the branch of government that issued authority to your organization, and the reference number for the certificate conformation. 

XXXX. Where can your registration number be verified ( I.e. articles of corporation )? 

XXXX. At what juncture did the Constitution establish your branch of government? 

XXXX. What is lawful money? 


Im giving 10 days for a response. This is all in good faith XXXX  : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: SC

Complaint narrative:
An account recently appeared on my credit report with XXXXDept of Ed as a creditor for a loan opened XX/XX/XXXX for an original balance of {$5500.00} and a current balance of {$5600.00}, originally reflecting the status as in forbearance. I do not have any student loans currently and was not in school at the time the record shows the loan was opened. It also reflects a payment made as recently as XX/XX/XXXX. 

I contacted XXXX directly on two occasions and they were unable to locate any account with my social security number. I also filed a credit dispute with Experian. The response provide validated the debt but corrected other information, specifically removing the forbearance.

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 2024-11-22 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: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX XX/XX/year> Reanso : I don't regnize this 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 2024-11-22 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 disputed XXXX XXXX XXXX back on XX/XX/XXXX and XXXX and the account was removed from my credit report but the account was put back on my report on XX/XX/year>, Transunion failed to notify me within 5 business days that the account was put back on pursuit of FCRA 611. This violates the consumer law

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
On XX/XX/XXXX, along with everyone else, I was notified that my funds in Juno were frozen. Since then, I have not been able to access my funds and have become a victim of the blame game between Juno, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: UT

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-22 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: UT

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: FL

Complaint narrative:
As for the last couple years lendmark financial has been constantly harrassing and threating me through email & telecommunications. My last convo with them was on XXXX XXXX. As they threaten to sue if I don't pay that day. Since has notified every credit agency a false balance of {$7900.00}. 15. USC 1692 C States if a consumer notifies a debt collector that the Consumer is unwilling to pay a debt, The debt collector must cease all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Fay servicing has escrowed this account. They have been either late or failed to make payments on the Property Insurance and taxes repeatedly over the last few years. 

Further, they have refused to remove escrow from the loan despite not making these payments. 

Recently, this resulted in a lapse on my homeowners insurance subjecting my family and I to substantial liability. If we had lost our home during that time to a disaster, we would have been on the hook for a mortgage and homeless. 

I had to buy a separate policy out of my own pocket to cover the house. Despite this, I continue to have to make escrow payments on an account where the escrow money is not being paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
Under the doctrine of estoppel by silence, as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-22 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: FL

Complaint narrative:
Dear CFPB, I am writing to follow up on my previous correspondence dated [ date of previous letter ], in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$250.00} Date of Account : XX/XX/year> To date, I have not received a satisfactory response or proof that this debt is valid. According to the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), creditors are required to validate the debt upon request. Additionally, under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information and correct or delete any inaccurate or unverifiable information. Furthermore, the CFPA ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts or practices in the collection of consumer debts.

I am requesting XXXX  final time that you investigate this account and ensure its removal from my credit report if it can not be properly verified. Failure to comply with these federal laws may result in further action, including escalation with the CFPB and exploring legal avenues to protect my rights. 

I have attached copies of my previous correspondence and supporting documentation, including a copy of my identification for verification purposes. 

I appreciate your prompt attention to this matter and expect a written response within the XXXX period stipulated by law.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679d Quick search by citation : Title enter title Section section 15 U.S. Code 1679d - Credit repair organizations contracts U.S. Code Notes prev | next ( a ) Written contracts required No services may be provided by any credit repair organization for any consumer ( XXXX ) unless a written and dated contract ( for the purchase of such services ) which meets the requirements of subsection ( b ) has been signed by the consumer ; or ( XXXX ) before the end of the XXXX period beginning on the date the contract is signed. 
( b ) Terms and conditions of contract No contract referred to in subsection ( a ) meets the requirements of this subsection unless such contract includes ( in writing ) ( XXXX ) the terms and conditions of payment, including the total amount of all payments to be made by the consumer to the credit repair organization or to any other person ; ( XXXX ) a full and detailed description of the services to be performed by the credit repair organization for the consumer, including ( A ) all guarantees of performance ; and ( B ) an estimate of ( i ) the date by which the performance of the services ( to be performed by the credit repair organization or any other person ) will be complete; or ( ii ) the length of the period necessary to perform such services ; ( XXXX ) the credit repair organizations name and principal business address ; and ( XXXX ) a conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumers signature on the contract, which reads as follows : You may cancel this contract without penalty or obligation at any time before midnight of the XXXX business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, my Chase Freedom credit card was fraudulently charged {$1700.00}. Unfortunately, this occurred on the due date of my statement balance. I immediately contacted Chase to report the fraudulent charge, as I didnt have a {$1700.00} balance available, and I was concerned that if the charge posted, it would appear as though I had maxed out my credit card.

A Chase representative assured me the charge would be removed ; however, it still posted to my account on the statement closing date. This made it look like I had exceeded my credit limit, which caused my credit score to drop by XXXX points. This situation is incredibly frustrating, as it was not my fault, and Ive worked hard to build my credit score.

The sudden drop in my credit score has negatively impacted my future plans and potential purchases. I urgently need this issue to be resolved and my credit score restored to its previous state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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