vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contracted XXXX on XX/XX/XXXX. I was severely sick for a year. Unauthorized charges to my account began to occur XX/XX/XXXX which I was medically unable to discover as I was unable to go through my finances. These charges total {$29000.00} from XX/XX/XXXX until XX/XX/XXXX with companies I have no account with such as XXXX and XXXX Eats. Charges were made in different states on the same day and being a Citi Gold customer I was advised my account had protections from such fraud. The bank has returned {$14000.00} but says because I did not report the theft sooner the balance of funds stolen from my account will not be returned.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Wrong address on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Wrong address on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is reporting fraudulent/inaccurate inquires and has failed to properly investigate them per my request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was put in a forbearance plan from Covid/19 by ShellPoint and was promised for the loan to continue by them because I am XXXX impaired, and could not answer the phone. I was informed that I would not have to call back till the 18 month would expire and at that point I would do a loan modification. At the 3 month period, after having no knowledge of ShellPoint, they moved me into forclosure without any communication, no letters, no certified letters, but only called me going against the ADA act knowing I am deaf/hearing impared. They are violating the Fair Credit Reporting Rights because I am hearing impaired, my ADA rights have been violated as well because of the inaccurate reporting of Shellpoint on my report. I have not been able to get a loan because they have reported me late on my last XXXX payments. I have spent hours trying to fix this with Shellpoint. My Aunt, who has spoken with ShellPoint multiple times has recorded messages of them admitting their fault and telling that they will fix my credit that they ruined and after speaking to the last ShellPoint manager, they declined fixing the issues they did against my credit so i can move forward to get a loan. ShellPoint sent me proof that I made my payments, but declined to admit that i was in a loan modification and forbearance after all the proof I have. I have recently sold my home, because of the fear of them putting it in foreclosure again. Now because of ShellPoints error, I can not get a loan to get another home due to ShellPoints errors. I DO NOT HAVE A HOME, AND I TAKE CARE OF MY XXXX XXXX XXXX GRANDMOTHER. If you need any proof of letters, bank statements and recorded phone calls proving they apologized for their errors and would fix it and make it right on my credit and proof that I was in a loan modification and forbearance plan feel free to contact me. PLEASE HELP ME! I DON'T WANT TO BE HOMELESS, LIVING ON THE STREETS WITH MY GRANDMOTHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I was charged over a month worth of transaction by this merchant. I contacted the bank and on the 14th day of the dispute was told they denied my dispute saying this We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination.We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination When I responded to the email and told them I was hospitalized at the time the transactions were made and sent them copies of my paperwork from the hospital they still denied my claim. I requested the documents used to make this decision I did not receive a reply. However the bank refunded two of the multiple transactions from the same merchant.Ive contacted the merchant several times since then and keep being told a manger will give me a call back and no one has returned my calls. I was told by customer service at the hotel that the rooms were booked under a last name similar to mine and the phone number nor the address listed on the reservations is mine. Yet no one has called me back to resolve this issue and the bank denied my claim simply because they can. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been advised that my loan is being serviced by Firstmark Services although it is owned by Firstmark Serviced Trust. When attempting to negotiate the terms of my loan I was told, by Firstmark Services, that they are only a servicer and can not make any changes to my loan. I was told that I would need to reach out to my lender to attempt any changes. I asked Firstmark Services for a direct contact to my lender and was refused initially, now, Firstmark Services says, via my initial complaint to CFPB, that there is no direct contact information for my lender. I believe borrowers should have access to their lender which was the case before my loan was sold by XXXX to Firstmark Serviced Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account not later than 4 business days after XX/XX/2023 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS FRAUDULENT ITEM : 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I am writing to file a complaint regarding a late credit card payment that is inaccurately showing on my Experian credit report. I believe this violation is in direct conflict with the regulations outlined in the 15 U.S. Code 1666b, which governs fair credit billing practices. It states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I hold a credit card with XXXX XXXX, account number XXXX. According to the information on my Experian credit report, there is a late payment listed for the billing cycle ending XXXXXXXX XXXX 2021. 

I would like to bring to your attention the following points : Compliance with 15 U.S. Code 1666b : Section 1666b of the United States Code governs fair credit billing practices. It ensures that consumers are treated fairly and have the right to dispute incorrect charges or billing errors. It is evident that the reporting of this late payment is erroneous and does not comply with the spirit of this law. 

Negative Impact on Credit Score : The inclusion of this late payment on my credit report has had a significant adverse impact on my credit score, affecting my ability to secure favorable credit terms and causing undue financial harm. This negative reporting is unwarranted and violates 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received an alert from XXXX XXXX XXXX of a new inquiry in my credit report. Simultaneously received XXXX alert and an alert from the issuing company to verify my email address. 

Called the issuing company and notified them of the fraudulent transaction as I have never used XXXX XXXX XXXX in the past several years and I do not have any account with them currently. Also called XXXX XXXXXXXX XXXX and spoke to the Transunion rep and notified them of the same. They also asked me to lodge a police report and/or FTC report for this. The official police report was lodged with XXXX Police Department and is given the number : XXXX by officer XXXX XXXX badge XXXX. 

I am now also filing this report with FTC via consumer finance.gov.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation