vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
On XX/XX/2023 a tree fell on my house. 8 days later the adjustor for my insurance came out for damage estimate and gave me a check stating that they had to include my mortgage company as a payee, don't endorse the check, send it to Newrez for endorsement when they return it, I can then endorse and process the check to begin repairs. I immediately contacted Newrez customer service department. The agent that answered the phone didn't try to transfer me to any other department, insisted that I commit to a date that I would be making my next mortgage payment ( that wasn't due yet ), then gave me the address. I sent the unendorsed check by overnight mail on the XXXX of XXXX. They signed for it on the XXXX, and we didn't hear anything until the XXXX of XXXX, when my wife XXXX XXXX XXXX called. She navigated her way through a confusing automated menu, and finally got to the correct department, to be told that this was the 1st time that we called. Got a very brief walk through their process, told that we needed to fill out an owner 's affidavit and send in a copy of the adjustor 's report. We sent that paperwork XXXX on the XX/XX/XXXX ( signed for on XXXX ). We waited until the XXXX when again we called. 
I was told that they see the check, was there and the other paperwork was there, but not uploaded yet. Once the paperwork was uploaded they would decide how to proceed with processing the check.I waited until the XXXX hearing nothing I called back, being told they would be sending the check back to us for endorsement to send it back for an 8-10 day processing before initial payment was issued. Unsatisfied I went to my insurance office and the office manager called on my behalf. Now being told we also needed to send in a signed contractor 's estimate, and we are given a tracking number for the check being returned to us. XX/XX/XXXX not seeing any activity on the tracking number given ( that was created on the XXXX ) I called yet again, to be told that the check was sent out on the XXXX by standard mail. I then asked to speak with a supervisor. I then was told that the check was being sent out XXXX on the XXXX of the XXXX, and a return label was created and emailed to me, verified I received it, and stated I could either print the label myself or take it to a XXXX XXXX and send it back overnight. All this time, the only thing we've been able to do is have the tree removed and sit and wait as our roof continued to leak having to be tarped again, which caused more damage. Getting no answers as to why it was taking so long to get this processed for repairs to be made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: TX

Complaint narrative:
There is incorrect information on 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 2023-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
They received my certified mail letter On XX/XX/2023 I sent a certified mail # XXXX requesting for a notice for accounting to TOYOTA MOTOR CREDIT CORP., I requested an original authenticated request for accounting that includes all original contracts, withheld financial documents, refunded downpayment ( {$5000.00} ), tax forms, any and all types of financial forms of payment that's entitled to the consumer and or beneficiary. To which they denied communications and resulting in the company to forward to a process of default. I am now sending a letter following that onXXXX in detail of a notice of default & opportunity to cure. To which if the company continues to disregard the letters being sent, or fails to correct the financial matter effectively there will be no choice left to pursue all available remedies including litigation or arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
Good Afternoon, XXXX : ********* LOCAL, STATE, FEDERAL, AND MILITARY LAW ENFORCEMENT CONTACTED ************* ___________________________________________________________________________ With that said, I contacted XXXX, directly ; as, I provided detailed information and data indicating that the following accounts are indeed Identity Theft, Fraud, and Mail Fraud. And, the accounts are to be deleted immediately per Federal Law. 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # _____________________ Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " XXXX " ; " TRANSUNION " ; and " XXXX " and, requested for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-08-19 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:
Good Afternoon, XXXX : ********* LOCAL, STATE, FEDERAL, AND MILITARY LAW ENFORCEMENT CONTACTED ************* ___________________________________________________________________________ With that said, I contacted XXXX, directly ; as, I provided detailed information and data indicating that the following accounts are indeed Identity Theft, Fraud, and Mail Fraud. And, the accounts are to be deleted immediately per Federal Law.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # _____________________ Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " XXXX " ; " XXXX " ; and " EQUIFAX " and, requested for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I found myself in a bewildering and distressing situation involving Square, a company I had trusted with my financial transactions. Without any prior warning or communication, Square abruptly closed my account, leaving me in financial turmoil. The abruptness of this action caught me completely off guard, as I had never received any indication that my account was at risk.

In the wake of this sudden closure, I immediately attempted to contact Square 's customer support, seeking an explanation for their decision. To my dismay, my attempts to reach out were met with frustratingly generic responses and unhelpful automated replies. Desperate for answers, I persisted, providing evidence of my transactions and highlighting the absence of any warnings from Square prior to the closure.

As if the initial shock wasn't enough, I soon discovered that Square was unwilling to release my funds, compounding my financial distress. Despite my numerous attempts to engage in a constructive dialogue, I encountered resistance at every turn. It became apparent that I was facing an uphill battle to reclaim my rightfully earned funds.

To further compound my frustration, I stumbled upon a contradictory claim from Square 's end. A complaint I had submitted was met with a response that alleged they had indeed warned me before closing my account. This assertion was entirely false, as the timing of their alleged warning came after the abrupt closure had already taken place. The distortion of facts only deepened my sense of injustice and disbelief. 

Facing a seemingly impenetrable wall of bureaucracy, I realized I needed to explore alternative avenues for resolution. As a next step, I considered seeking legal counsel to address this situation properly. Additionally, reaching out to relevant regulatory authorities might prove to be an avenue for obtaining a fair resolution to this unjust situation. 

In recounting this narrative, my hope is to shed light on the challenges I've encountered with Square 's actions, which have caused undue financial hardship and emotional distress. While the road ahead may be uncertain, I remain determined to advocate for a just outcome and reclaim the funds that rightfully belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX The Vehicle was voluntarily surrendered as it was deemed to have been a hazard on the road XXXX. The lender took several months to come and pick up the vehicle in which I was handed the document of their receipt of the vehicle. I was advised that once they closed their records they would be forwarding me the final balance owed. Since the reported date of XX/XX/2021 This action never took place instead they kept the full balance on my credit, I was notified by California XXXX that the title of the vehicle was released after I had to send an email showing that I was no longer in possession. I tried contacting the XXXX XXXX XXXX to find out what the final balances were and was told that they would send all of that information once they had closed the record and updated the amount after Auction. This was never done and now over two years later they are refusing to update the balances owed. Also never received collection calls regarding this debt to date. When calling them they don't show my records either. This is affecting me being able to obtain housing as the credit line item states that I owe {$18000.00} which was the amount I had left to the entire loan term, and several requests have been sent for them to correct there records and they all have gone unanswered and I have had 4 dispute attempts with the three credit bureaus. Still no change.

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 2023-08-20 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: FL

Complaint narrative:
I am interested in processing disputes to delete an remove all invalid data on my credit report with Equifax. this has been an issue that I addressed before. this is my 2nd attempt. these errors have been hurting my file. checking the information listed nothing is corrected. please review an remove all data listed to correct my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: PA

Complaint narrative:
In accordance with Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Experian written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency " Experian '' is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the 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 explanation
Consumer complaint received 2023-08-20 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: GA

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor XXXX XXXX XXXX Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX  XXXX , IA XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-08-20 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: GA

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX  XXXX ,  IA XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: GA

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , IA XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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