vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I mailed my mortgage payment for XX/XX/year>, with {$8000.00} extra to apply to principal. Instead, they applied it towards XXXX and XXXX mortgage payments and only applied the extra {$4400.00} towards principal. 

I called them on XX/XX/XXXX to explain the error. They said they would fix it in XXXX hours. They did not. 

I called again on XX/XX/XXXX and explained again. They said it would be fixed by XXXX XXXX. It was not. In fact, they applied the {$4400.00} towards the mortgage payments until XXXX XXXX, XXXX. 

I called again on XXXX XXXX and told them they had fixed it backwards. They escalated the process, said they would send forward a complaint and have it fixed in XXXX hours. It was not. 

I called on XXXX XXXX and received an automated message that the issue was being fixed and would be done by XXXX XXXX. It is not.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I was completely taken aback when I saw incorrect accounts on my credit report this morning, and I dont understand why theyre there. I regularly check my report, and today, errors appeared out of nowhere. I tried refreshing my browser, thinking it might be a mistake, but the inaccurate accounts were still there. Because of this, Im requesting that the documents Ive submitted be carefully reviewed so I can finally be at ease.

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 2024-08-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report this morning, I was alarmed to find unauthorized inquiries that I can not explain. I routinely monitor my credit report, and this time, there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but the inquiries remained. This has left me feeling uneasy, and I ask that the documents Ive submitted be reviewed carefully to resolve this matter quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I was absolutely shocked this morning to see incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, and this time, there were errors out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. Because of this, I urgently request that the documents I've sent be thoroughly reviewed so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: FL

Complaint narrative:
I am a victim of human trafficking I am notifying all consumer reporting agencies these accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX has been altered fraudulent transactions has been done.

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 2024-08-09 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: FL

Complaint narrative:
I am a victim of human trafficking I am notifying all consumer reporting agencies these accounts XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX has been altered fraudulent transactions has been done.

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Name Of Collection : Credit Collection service Date opened : XXXX XXXX Amount : {$120.00} Hello my name is XXXX XXXX and i have contacted you guys for weeks, i have XXXX collections account on my credit report that it fraudulent i am a victim of identity theft, this has been a true nightmare i have been soo depressed because of how much trauma this has caused me i do not deserve this and i need justice for this please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-09 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: Kashable LLC
State: GA

Complaint narrative:
My credit is being used and is providing inaccurate information in regards to my past debts which is really causing a major strain on my finances and livelihood. I can not get approved for anything and when I do get approved I have to pay an outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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:
I am writing to dispute several unauthorized inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent and should be removed immediately to prevent further damage to my credit profile. The inquiries in question are as follows XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/year> Contact : ( XXXX ) XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), a permissible purpose is required before a company can obtain a consumer report or initiate an inquiry. These inquiries were unauthorized, and I did not provide any such permissible purpose. 

- Additionally, under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), I am formally requesting an investigation into these inquiries. If it is determined that they were indeed unauthorized, I demand their immediate removal from my credit report. 

XXXX. California State Laws : ** - Under California XXXX XXXX Section XXXX, it is unlawful for any person or entity to procure a consumer credit report unless authorized by the consumer. These inquiries violate this provision, and as a resident of California, I am entitled to have these inquiries removed. 

- Furthermore, under California XXXX XXXX XXXX XXXX, I have the right to request a reinvestigation of inaccurate information on my credit report. TransUnion must correct or delete any information that is inaccurate or incomplete within XXXX business days. for business days for fraudulent information provided supporting documents, police report FTC identity theft 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 2024-08-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account [ XXXX XXXX, XXXX ] is not complete and accurate. 

XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on MY consumer report. 

XXXX XXXX is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX XXXX 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 )

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 2024-08-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/year> Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : FCRA 605B : Block the Fraudulent Information Dear Sir/Madam, I am a Victim of Identity Theft. I never gave any Authorization for this Collection company to have my information. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Please Block this information from my credit report, pursuant to section 605B of the ( FCRA ) Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ), that the Experian Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this complaint from my consumer credit file within ( 4 ) business days of receiving said complaint. I request that all written confirmation regarding this FCRA complaint be sent to me via email to the email address listed here : ( XXXX ) In addition, On XX/XX/year>, I called and asked for a debt validation and verification letter confirming details of the debt, but the company has not responded. 

I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, 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 2024-08-09 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I was on a lease to own purchase for a bedroom at during XXXX XXXX. I had to abruptly leave the state and asked to return my bed. XXXX credit approved the return but I didnt have a truck and the company that I brought the bed from refused to pickup the bed. XXXX then allowed me to donate the bed and I did drop it off at good will. They then sent this to a collection agency that is now hurting my credit and preventing me from getting a house. I have an email attachment from XXXX approving the donation so this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-09 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: DE

Complaint narrative:
Equifax has I not followed the FCRa My rights has been Violated there are accounts listed on my credit report that is fraud Equifax had for 4 days to remove the account however they decided to do nothing. These item shall be removed immediately due to them being fraud and moreover its unverifiable. 

All of my previous documents I submitted to get this fix will be added in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I want to express that this has been a very distressing situation for me. 
The attachments provide an example of the treatment I received from my Loan Advisor at Cross Country over the past two-three months.

I expressed to my Realtor via text over a month ago that I did not feel I was being listened to/fairly represented by my Loan Advisor, possibly due to being XXXX following conversations I had with her. 

It got to the point where I would reach out to others on her team rather than my assigned Advisor because of the discomfort I felt when having to speak with her. Additionally, due to the aggression and misinformation provided that was recognized when I spoke to her on the phone, I ultimately had no choice but to advise my Loan Advisor that I would prefer to touch base on via email or by text moving forward. 


She was often extremely condescending when I asked her question. She made many targeted, coercing & discriminatory remarks ( e.g., risk of homelessness, being denied by another lender, being denied of a grant, moving into low income areas, etc. ) on the phone. 

At times, she would provide me with inaccurate or misinformationif I pointed it out, she would respond with the same tone/passive aggressiveness as exhibited in the provided appalling email from XX/XX/24. It was incredibly upsetting and intimidating during the home buying process. 

I attempted to reach out to a Supervisor at Cross Country on XX/XX/24 to change Advisors and left a message with a representative that I spoke to directly with on the phone. I explained my reason for calling and asked if a manager could follow up concerning the issues I was having with my Loan Advisor. 
Additionally, I made attempts to reach out to the XXXX and took an online survey sharing my experience with, y advisor, and have not received a response from management. 


As a XXXX woman, I truly feel I was targeted, treated unfairly by my loan advisor and the organization Cross Country Mortgage due to my background, and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kornerstone Credit,  LLC.
State: NC

Complaint narrative:
I was on a lease to own purchase for a bedroom at during Covid 19. I had to abruptly leave the state and asked to return my bed. Kornerstone credit approved the return but I didnt have a truck and the company that I brought the bed from refused to pickup the bed. Kornerstone then allowed me to donate the bed and I did drop it off at good will. They then sent this to a collection agency that is now hurting my credit and preventing me from getting a house. I have an email attachment from Kornerstone approving the donation so this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX minutes ago ) to me Thank you for providing the contract between you and XXXX XXXX XXXX XXXX XXXX Now please provide the contractual agreement between you and I stating that I owe you money. Also, as previously requested, please provide Licensure in the state of florida that predates XX/XX/XXXX. 

According to XXXX XXXX XXXX Hunter Warfield , INC is not licensed in the state of florida which makes it illegal to collect debt in the state of florida which is where I reside as well as where the company is located. If you believe other wise please provide proof that you are licensed and are able to legally collect debt in the state of florida. 

Hunter Warfield claims that a collection letter was sent out on XX/XX/XXXX ; please provide proof that the letter was sent as well as received by me. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield , inc has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Were these disclosures sent as well? If so please provide proof that the disclosures were sent as well as received. 

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Delete this account immediately.

Company response to consumer: Closed with explanation