vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
Roundpoint Mortgage Account # XXXX is showing various late payments that are inaccurate on and account that was paid and closed in XXXX. No such late payments ever occurred to my knowledge and this loan has been paid off and closed in what I believed was " good standing ''. I am requesting that Roundpoint Mortgage immediately remove the above referenced account from my 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 2024-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed a hard pull on my Experian report from XX/XX/XXXX by XXXX XXXX XXXX which I do not recognize. I have not applied for credit and did not authorize this. Tried disputing online, but Experians system directed me to call. Called Experian on XX/XX/XXXX to dispute the inquiry. XXXX said they couldnt remove it and advised calling XXXX. Called XXXX ( XXXX, number on report ). This routed me to XXXX XXXX, where XXXX redirected me to XXXX, whose department I couldnt identify due to poor call quality. I requested a transfer. XXXX transferred me to XXXX in XXXX, who said shed transfer me to XXXX. The call went nowhere, and I hung up. Called another XXXX number ( XXXX ). XXXX in Customer Service asked if it was related to a XXXX card, and I explained it was about a credit pull I didnt authorize. XXXX at XXXX customer service couldnt find XXXX XXXX in their system to dispute and suggested I call Experian.. I checked my other reports with XXXX and XXXX and this inquiry is not listed there, thankfully. I have no idea where to go from here. Neither XXXX nor Experian seems to have any idea on how to fix this.

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 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. Pursuant to federal law, I am requesting that you provide me and/or the listed XXXX XXXX XXXX, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions.

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 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
From XXXX XXXX, I traveled to XXXX XXXX XXXX I tracked all the charges on my CapitalOne credit card during thsi trip. I recognized all the charges and paid in full. On XXXX XXXX, I noticed a charge showing XXXX XXXX for {$XXXX} in XXXX XXXX XXXX XXXX transaction date of XXXX XXXX. I was suspicious from the XXXX month delay and did not recognize the name or the amount. I used the CapitalOne app to dispute the charge. XXXX days later, CapitalOne stated that the charge is valid. I then called and spoke to the investigation department and the representative, I believe his name was XXXX, told me that the chip in the card was used, therefore it had to be valid. I asked what was bought. They said this business shows as a frozen food company, beef and seafood. I responded that I did not buy {$XXXX} of frozen food while staying in a hotel room. I would remember carrying a lot of food and having no storage in the the hotel. They said it was made in person at XXXX on XXXX XXXX in XXXX XXXX XXXX I told them it had to a faked chip because I didn't buy that much food. I also reminded them that I have had this card over XXXX  years and pay everything on time. They said it doesn't matter and the charge will stand. I doubled checked my movements on XXXX XXXX and at that time it shows that I had already traveled to XXXX because my flight left at noon on XXXX XXXX. I have also searched and found that XXXX XXXX XXXX comes up as a lot of fraudulant charges on other people 's bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-26 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: IL

Complaint narrative:
I reached out to Equifax regarding some errors that I found that are on my credit report. I have reached out multiple times for them to fix them since XX/XX/XXXX. They have sent me corresponding letters since XX/XX/XXXX requesting additional documents. I have sent the required additional documents that were needed. I have been getting corresponding letters each month since XX/XX/XXXX requesting the same additional required documents. Every corresponding letter that was sent to me since XX/XX/XXXX I have responded to each letter with sending the additional required documents. I have attached receipts of when I sent the additional requested documents and I also attached additional documents to support my case In accordance with the Fair Credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NE

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-11-26 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-26 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: NY

Complaint narrative:
I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its mu understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances across different credit bureaus highlights non-compliance with 15 USC 1681e ( b ) XXXX report : XXXX  - Account # XXXX, High Balance {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : Collection/Charge-off, Past Due Amount : {$XXXX}, Last XXXX, Payment Amount : {$XXXX} XXXX report : XXXX - Account # XXXX, High Balance {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$XXXX}, Last Payment : {$XXXX} as of XX/XX/XXXX Equifax report : XXXX-XXXX  - Account # XXXX, XXXX XXXX XXXXXXXX}, XXXX Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$XXXX}, Last XXXX, Payment Amount : {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My information was compromised. My data was affected by equifqx

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I ask to validate my debt XXXX payment history, Date of Last Activity Agreement that bears the signature of the alleged debtor wherein i agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
A copy of my ID I dispute this many times this should be deleted immediately. 
The law if you cant validate the account in XXXX most be deleted. 
XXXX XXXX was the first time I ask for validation.now is XXXX XXXX please delete this help me. I need to rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
when the debt collect call i ask for a debt validation and the original debt with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
This is a follow-up to previous complaint XXXX. 

Regarding Shellpoint 's letter dated XX/XX/XXXX : Line # XXXX from page XXXX states, " The date of the last full payment was on XX/XX/XXXX. '' I don't believe that is accurate, so please provide documentation of that payment. 

Page 2 references a XXXX loan modification and that the " modification offer was revoked. '' Please explain the term " revoked '' and how it differs from a denial. Likewise, please explain how not " executing the agreement '' differs from a denial. In their XX/XX/XXXX letter, XXXX states that their modification offer was " withdrawn '' and references a " non-approval. '' Please explain how those two terms differ from a denial. 

XXXX 's XXXX letter references that an " exception was made. '' Please explain the nature of the exception. It was an exception to what? Why was an " exception made for the first modification payment but not subsequent payments? Please provide the date of the decision to discontinue the exception as well of the documentation sent to me that communicated the decision to no longer make an exception. 

Please explain why the final " non-approval '' did not occur until approximately XXXX months after I returned the fully executed loan modification papers that XXXX had provided and offered via their attorneys, XXXX and XXXX. 

Please explain why that first modification payment was applied to the existing ( old ) loan rather than the new loan modification. 

From that payment, please explain why some was applied to a suspense account. What is the current status of that money? 

Your XX/XX/XXXX letter, as well as XXXX 's letter, references missing documentation. Please confirm this was the divorce decree and why that claim was made despite a ) two letters from previous services confirming the receipt of the divorce decree and b ) despite XXXX 's attorneys ( XXXX and XXXX ) possession of the divorce decree ( from my attorney at that time ). 

XXXX and XXXX provided, to the XXXX XXXX ( Oregon ) Clerk 's office, a statement that XXXX XXXX ( previous wife ) no longer had an interest in the property. Given that this statement was recorded in XXXX XXXX 's permanent public records for this property, which negated the need for a divorce decree or quit claim deed. Why was the claim of denial made despite that for-the-record statement? Was XXXX and XXXX consulted when the claim of denial was made? 

Given that you have scheduled a trustee 's sale for early XXXX, please provide this information at the earliest possible 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 2024-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SD

Complaint narrative:
I have completed an XXXX service and chose to receive an educational award, which would pay off my entire loan. I have tried multiple times for my educational award from XXXX to be accepted over the past year for my direct loan to be paid and have not been given any information. I have tried to contact a Mohela representative earlier this year, and said that I had to submit the educational award request when my service was done. I did this, and it has not been approved yet. My payment is due today, and I do not want to be penalized for not paying when the educational award needs to be accepted on Mohela 's end to have the payment processed. I have tried to reach out to a representative and sat on the phone multiple times and have not reached anyone to discuss this with. Please, I just want my payment to go through and be accepted, as I have the entire educational award that would pay off this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am raising a formal complaint regarding the inaccurate reporting of account # XXXX on my credit report. Despite my previous attempts to resolve this matter by providing evidence, the errors persist, and I received a generic response that failed to address the issue. The account is inaccurately reported as having a credit limit and past due balance, even though it is a charged-off account, which should not have such details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MI

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Accounts XXXX XXXX XXXX  NA Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX NA Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} N/A Account number XXXX Date opened XX/XX/XXXX Balance {$580.00} XXXXXXXX XXXX XXXX XXXX  NA Account number XXXX XXXX opened XX/XX/XXXX Balance {$0.00}

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