vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I am writing to express my urgent and serious concerns regarding the handling of my mortgage by XXXX XXXX and subsequently by SN Servicing. The situation involves several alarming issues that need immediate attention and resolution to prevent unjust foreclosure on our property. 

Before my mother-in-law passed away in XXXX, there was approximately {$67000.00} left on the principal of the mortgage. She left the house to my wife, who, like her mother, is XXXX. Due to her XXXX, the property was supposed to remain tax-exempt, a status it held during her mother 's ownership. 

In XXXX, we received {$84000.00} from the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). This amount was intended to reduce the principal balance of the mortgage, thereby preventing any future foreclosure threats. Unfortunately, XXXX XXXX unscrupulously applied these funds incorrectly and subsequently sold the mortgage to SN Servicing.

Upon transferring to SN Servicing, we encountered numerous issues, including a complete lack of communication and transparency. SN Servicing has a notorious reputation for failing to cooperate with borrowers, misapplying funds, and expediting foreclosure processes. Despite our efforts to address the incorrect application of property taxestaxes that should not have been levied due to our tax-exempt statuswe were met with indifference and refusal to communicate. This lack of cooperation has allowed an incorrect tax amount to build up, exacerbating our financial strain. 

Most distressingly, when we finally managed to speak with a property XXXX from SN Servicing on XX/XX/XXXX, we were met with disdain and a complete lack of empathy. We were told that we did not deserve the house if we could not afford it, a statement that is not only unprofessional but deeply hurtful considering our circumstances. 

The mishandling of funds and the improper application of property taxes, combined with SN Servicings refusal to engage in meaningful dialogue, have put us at an unfair risk of foreclosure. We urgently request a thorough review and rectification of how the {$84000.00} XXXX funds were applied, immediate correction of the tax status to reflect our rightful tax-exempt status, and a resolution that ensures no further unjust financial burdens or foreclosure activity are placed upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yot they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion & XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an Automotive loan that was opened XXXXunder the account number # XXXX ) This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/year> in XXXX of XXXX my credit report was showing a dispute allocation from the dark web from my XXXX XXXX business account phone. My account was showing two data breaches from XXXX  and XXXX severs send grid arising disputes of employment from my account. i am showing a background record of the trespass from my business XXXX XXXX XXXX employee in XXXX. So I filed a XXXX business affidavit along with the XXXX due process of collection from my bank. I also submitted a report with the FTC and Office of comptroller of banks. I also am following up with the OIG office of inspector general showing my account was expired by a list of credit bureaus from the attorney general. My account restoration officer opened a case her name is XXXX XXXX with the XXXX XXXX breach showing the account was hacked with a XXXX business affidavit from a XXXX phone from my XXXX account using my log in credentials with XXXX and XXXXXXXX XXXX XXXX  showing my account has been identified as a XXXX security criminal using my alia as a fraudster to gain access to my files and distort evidence proving my account was a log in breach report with the local agencies. I have opened the XXXX XXXX business account with XXXX XXXX and my info was on the dark web showing a dark web data breach. I also want the files showing error in allocation of the dispute arising on the date was breached on the dark web showing reports for the case number filed in the section. I have a case worker and report from my team support making a dispute charge using my XXXX phone XXXX there was a XXXX suspension on my account when it was used for filing taxes in XXXX XXXX  walked to the XXXX. I have a broken screen has not been replaced I still have the phone but my account was hacked and my computers were stolen. I have a missing report on my XXXX report. I also have a case manager who state the phone was hacked with XXXX credit bureau credentials using my log in termination. So I have ended my plan with XXXX and my phone is not sending in the XXXX XXXX  log in without the phone number that has my error of dispute with identity theft from the credit bureau. My account was expired and breached on the dark web. I have a list of XXXX tax forms due process of payment from my bank and it was not showing on my credit report from XXXX business. Starting with XXXX XXXX XXXX XXXX. I would like to open a identity theft dispute of my business account from XXXX XXXX XXXX and property assets with the mortgaged certificate of origin from the error of dispute identity theft of my bank 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 2024-07-23 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: NV

Complaint narrative:
I reviewed my credit file and sent certified letters to all 3 credit bureaus advising of items found to be incomplete and inaccurate listed on my file for XXXX XXXX on XX/XX/XXXX. XXXX and XXXX deleted XXXXXXXX XXXX. Experian continues to violate my FCRA rights and is in direct violation of Federal law.

Credit Report # XXXX for XX/XX/XXXX : XXXX ( XX/XX/XXXX ) Account Charged off. {$3600.00} written off {$4000.00} and reflects as disputed information is unchanged from a dispute in XX/XX/XXXX. Report # XXXX dated XX/XX/XXXX shows XX/XX/XXXX with No Data ( ND ) charged off in XXXX with a balance of {$4200.00} past due as of XX/XX/XXXX, and dates that go back to XXXX, weren't listed on my most recent file. 

FCRA 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the 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 2024-07-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a dispute letter to Experian on XX/XX/year> and they are sending me stall letter via email by doing this I believe they are trying to stop me from disputing inaccurate information on my credit file. i received another stall letter today

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 2024-07-23 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:
Hard inquiries are not authorized this is intentional and a violation. Transunion has been notified certified mail and CFPB to remove and no longer report all hard inquiries listed. 

XXXX XXXX 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 2024-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-07-23 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: NY

Complaint narrative:
I have XXXX account reporting badly/ negatively on my report that was allegedly not me, i contacted the credit bureaus XXXX XXXX XXXX dispute this account because it was not mines & all they did was verify my account which is still incorrect because that not even my address and not my accounts. So I reached out to the commissioners office of corrections because at the time of the alleged accounts that were opened I was XXXX in the XXXX department of corrections for XXXX years consecutively. The board / commissioner has wrote me back and sent me letters to back up my story on these alleged debts. Also I have my documentation for my lease of my apartment that I had within the XXXX of the alleged debt to show and verify that my address is indeed different from that address on the alleged debt. Also I have my identity theft report attached too. All of these documents I been sending to the bureau and nobody seems to get back to me. 

The alleged accounts that need to be removed are listed below & my information so you guys could verify me XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-23 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: Credit Central Holdings, LLC
State: GA

Complaint narrative:
I paid the account but the account has been on my credit for over XXXX year and it also reports on my credit XXXX times. I only had XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I sent bitcoin to my cashapp wallet which went trough on the blockchain and is currently in the bitcoin wallet with cashapp.

However cashapp has since restricted/ closed that account and I can no longer access it to retrieve the bitcoin associated with that cashapp account. I have reached out to support multiple times and no one seems to be able to assist me in gaining access to the account with my bitcoin. This has been an ongoing nightmare since XXXX of XXXX, the account has over XXXXXXXX XXXX in bitcoin and I have yet to be able to access the money in that account. Countless emails and phone calls with support and still no resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-07-24 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : 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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got XXXX emails today ( Tuesday XX/XX/year> ) from Wells Fargo, all while I was not on my phone so I didnt do anything, stating that my credit card account and my checking ( debit ) card account was linked successfully to XXXX XXXX I have never given consent for Wells Fargo to link my accounts to a third party. It is not showing up in my digital wallet as it states it should because I DID NOT CONSENT TO THAT. And now they are making me close those cards to protect my accounts although they were the ones who made this happen!

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 monetary relief
Consumer complaint received 2024-07-23 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: VA

Complaint narrative:
It's been such a long time that I have been trying to fix these errors that are being reported on my credit report yet my disputes kept getting ignored I already had enough, it is detrimental- negatively impacting my overall well being and my credit score which is not good for me and my financial freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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:
I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my XXXX and paid or paying as agreed on my TransUnion, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXXXXXX XXXX. This account is also reporting open on my TransUnion, and closed across the other XXXX bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my Equifax and paid or paying as agreed on my XXXX, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXXXXXX XXXX. This account is also reporting open on my XXXX, and closed across the other XXXX bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update my account.

Company response to consumer: Closed with non-monetary relief