vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-11-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : XXXX, Clarity, XXXX This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( XXXX ). 

This is also a Identity Theft Issue. 

( Please Provide ) XXXX. The name of the court representative you spoke with. 
XXXX. The Court address and telephone number. 
XXXX. The person 's name they verified the dispute with XXXX. The documentation used to verify the dispute. 

( Method Of Verification For ) XXXX XXXX XXXX Mississippi ( XXXX ), Docket No XXXX & XXXX & XXXX ( XXXX XXXX XXXX For XXXX XXXX XXXX XXXX Mississippi ( XXXX ) Docket # XXXX ( Method Of Verification For ) TX Attorney General XXXX Support acct # XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. 
XXXX XXXX Section XXXX, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer agency XXXX make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than XXXX years. 
XXXX XXXX XXXX ( A ) ( XXXX ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate. 

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft. This is why I am requesting A Method Of Validation. 

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. 

Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
The monthly statements arrive during the first week of the month payment is due. Payments are due on the XXXX of every month. There have even been months when I have not received a monthly statement. 

I have yet to receive the XXXX XXXX  monthly statement. Today is XXXX XXXX. ( However, I have already paid XXXX 's statement on a piece of correspondence from NewRez. ) Months ago, I mailed an enclosed note with a monthly payment. I noted and stressed that not sending monthly statements before the due date, only encourages late payments. They responded in writing, and blamed the U.S. Postal Service. 

Today, I received a letter stating information on my payments is missing, or I'm using the wrong address, etc. I have always used copies of correspondence, with all necessary information on it. This letter may have gone out to all customers, as it stressed that there are other ways to make payments. Further, if the monthly statements arrived prior to due date, my payments would have the payment slip to mail with the payment. NewRez wants customers to default and/or make a late payment. 

I would never let a predatory debt collector direct access to my banking information. 

Since XX/XX/XXXXXXXX  ( mortgage began ), I have never missed nor been late with a payment. In the spring of XXXX, I received a letter that my loan will now be handled/processed by NewRez. All the same company, nothing would change, etc. Since then, this predatory debt collector, increased monthly payments for " projected tax and insurance hikes. Merely a way to increase their coffers. 

This company has had numerous class actions suits. Which they end up, settling, leaving town, reopening in another state, under another name, NewRez and/or Specialized Loan Servicing, or Shellpoint is all the same predatory company. 

Check XXXX XXXX XXXX for the hundreds, maybe thousands of customers complaints who have been abused by this company. 

I may very well be forced to refinance my mortgage with a true financial institution that handles mortgages. It would be worth a higher interest rate, to be free of a predatory debt collector.

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 2024-11-06 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I did not authorize these accounts, and I have previously reported this issue. I am now requesting the immediate removal of these unauthorized accounts from my report. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are significantly impacting my ability to reach important financial goals, such as purchasing a home and supporting my family. I trust we can resolve this promptly.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I keep getting denied by XXXX XXXX XXXX, while simply trying to open a simple XXXX checking account with capital one. They say my score is high risk when it clearly is not, as its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-11-06 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: MA

Complaint narrative:
I am filing a complaint regarding XXXX, TransUnion, and XXXX for failing to accurately report my account with XXXX XXXX XXXX ( account ending in XXXX ) as " paid as agreed. '' As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and control over what appears on my credit report, as outlined in 15 USC 1681. Reporting this account inaccurately violates my rights under the FCRA, specifically 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, as it misrepresents my account status without my consent. This erroneous report is severely affecting my ability to secure necessary financing to support my business and obtain stable housing for myself and my family. I have previously attempted to notify each credit bureau of this error, yet no corrective action has been taken. Under 15 U.S. Code 1681n and 15 USC 1681o, I am entitled to pursue civil liability for negligent and willful noncompliance, including damages of {$1000.00} per violation. I am requesting the CFPBs assistance in ensuring that XXXX, TransUnion, and XXXX update this account to " paid as agreed '' immediately to reflect the accurate status of my financial obligations. This matter is urgent, as the inaccurate reporting is causing significant harm to my financial stability and quality of life. Thank you for your attention to this issue.

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 2024-11-06 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: MA

Complaint narrative:
I am filing a complaint regarding XXXX, XXXX, and Equifax for failing to accurately report my account with XXXX XXXX XXXX ( account ending in XXXX ) as " paid as agreed. '' As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and control over what appears on my credit report, as outlined in 15 USC 1681. Reporting this account inaccurately violates my rights under the FCRA, specifically 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, as it misrepresents my account status without my consent. This erroneous report is severely affecting my ability to secure necessary financing to support my business and obtain stable housing for myself and my family. I have previously attempted to notify each credit bureau of this error, yet no corrective action has been taken. Under 15 U.S. Code 1681n and 15 USC 1681o, I am entitled to pursue civil liability for negligent and willful noncompliance, including damages of {$1000.00} per violation. I am requesting the CFPBs assistance in ensuring that XXXX, XXXX, and Equifax update this account to " paid as agreed '' immediately to reflect the accurate status of my financial obligations. This matter is urgent, as the inaccurate reporting is causing significant harm to my financial stability and quality of life. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted in regards to a supposed debt, and stated I do not believe the debt that is reporting on my credit report is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning consumer reporting agency, block information appearing on my consumer 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 a personal checking accounts opened XXXX XXXX Routing XXXX Account XXXX, XXXX XXXXXXXX XXXX Account XXXX Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Routing # XXXX Account XXXX am writing to request an investigation of the following fraudulent accounts and inquires I have NEVERED opened or usd the accounts listed below I'm requesting the following information to be deleted from Early Warning consumer report immediately I attached a copy of my report to this request The accounts consist of an bank account opened at XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Routing # XXXX Account XXXX. Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: DE

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below, as I am a victim of a recent data breach and subsequent identity theft. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), I am exercising my rights to have these unauthorized accounts and inquiries removed from my credit file. 
XXXX Accounts XXXX. XXXX - Account XXXX : XXXX - XXXX XX/XX/XXXX - XXXX : {$220.00} XXXX. XXXX XXXX  - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$5500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$600.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$930.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$620.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$640.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - XXXX : {$2900.00} XXXX. XXXX - Account XXXX : XXXX - XXXX XX/XX/XXXX - XXXX : {$920.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$880.00} Fraudulent Inquiries XXXX XXXX  - Date : 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 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX  I called and spoke to a representative to withdraw funds from my account. 
I was told that the investor has put a temporary hold for security reasons on and transfers because the investor has put a temporary hold on fund transfers for security reasons. 

On XX/XX/XXXXXXXX  I called again and got the same answers. But they said I could send a request to ask for the investor 's contact information and send an email to another location requesting the form for requesting a draw. They have not responded.

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 2024-11-06 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: MD

Complaint narrative:
I have made several phone calls & sent letters to the companies and I have not been successful at settling unauthorized inquiries or mis information that I have on my Report. This is greatly affecting me as it is decreasing my chances for approvals.

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 2024-11-06 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: TN

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-11-07 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: MI

Complaint narrative:
I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I did not authorize these accounts, and I have previously reported this issue. I am now requesting the immediate removal of these unauthorized accounts from my report. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are significantly impacting my ability to reach important financial goals, such as purchasing a home and supporting my family. I trust we can resolve this promptly.

Company response to consumer: Closed with non-monetary relief