vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to XXXX, Equifax, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the account : XXXX XXXX XXXX. Please delete this fraudulent account ASAP.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}

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
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: PR

Complaint narrative:
I was notified by my previous mortgage service provider ( XXXX ) that effective XX/XX/2023 my new service provider will be NewRez LLC d/b/a Shellpoint Mortgage Servicing. XXXX XXXX loan number was XXXX and the monthly payment of {$620.00}. The XXXX and XXXX mortgage payments were made successfully by phone. However, I am unable to complete the XXXX mortgage payments because the contact information provided as part of the previous and new service provider, in addition to the customer service website is a non working number ( XXXX ). In addition, I have made multiple unsuccessful attempts using other contact numbers ( XXXX / XXXX / XXXX ). I need your assistance in order to avoid any late payments fee and most important, a delay in my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
XXXX, The information on this credit reporting platform has not been verified or permitted by me to be placed on their credit report. There are no documents with any signature of mine that states that it was okay for this platform to post or report my personal business on their site or information that they have yet to verify belongs to me. I noticed over eight addresses that do not belong to me and just as many phone numbers. I would like for this platform to send me any type of documentation that verifies this is an account that belongs to me before reporting this type of information. 
Dates : XX/XX/XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX 2 ) Inquiries XXXX XXXX XXXX DatesXXXX There are over 8 addresses on these reports that does not belong to me and phone numbers as well. The name on these reports are spelled wrong, I also disputed that as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2023-10-19 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NV

Complaint narrative:
On XXXX  i have sent a dispute out to Experian about inaccurate items that were being reported on my credit report. They took over 30 days for a reinvestigation for the XXXX time to finally respond just to tell me they have verified that the information being reported was correct but I have sent in my credit report and stated the inaccuracies. The account had different reporting dates as well as incorrect terms, and invalid incorrect payment statuses. Experian has failed to provide with documents on what process they have used to verify the accuracy of the accounts listed in my dispute. 

I have sent Experian multiple documents of inaccurate items reporting to my credit report. I have gave you the reason the following account was inaccurate and sent a copy of my credit report that was reporting inaccurate information for fact so with that being said you are officially in fact VIOLATION. 

YOU ARE NOW IN VIOLATION Pursuant to 15 U.S. Code 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any informa1on rela1ng to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such noticed, that specific information is inaccurate ; an ( ii ) The information is, in fact inaccurate.

1. The payment status is incorrect, this account was not closed XXXX XXXX It is inaccurately reporting that the last payment was received XX/XX/XXXX as well as it being closed XXXX XXXX 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The payment status on this account is incorrect. You are reporting tin the payment history that the account was 60 days past due after being 90 days past due in XXXX but in the payment status reporting the account has been closed and is 30 days past due. This account is in FACT reporting inaccurate which is a violation stated above. 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. This account does not belong to me ( PLEASE DELETE ) XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: GFS II, LLC
State: VA

Complaint narrative:
FACTS INVOLVING THE REPOSSESSION The XXXXXXXX XXXX state that on XX/XX/2023 they made a partial payment to Gateway Financial in the amount of {$310.00}. Their required monthly payment was {$590.00}. At the time XXXX XXXX made an arrangement to pay the remaining {$280.00} and any late fees associated on Thursday XX/XX/2023. Gateway Financial continued to call repeatedly requesting payment and XXXX XXXX reminded them of the verbal agreement made on XX/XX/2023. XX/XX/2023 XXXX XXXX parked our car in front of our residence. XX/XX/XXXX, Thursday XXXX, XXXX XXXX went outside and noticed our vehicle was gone. XXXX XXXX contacted XXXX XXXX XXXX 's office and was advised our vehicle had been repossessed. They provided Me. XXXX with the location of the vehicle. XXXX XXXX went to see the vehicle and noticed severe damage to the vehicle and one or more flat tires. It was parked in the back of a business covered in mud. The car had been damaged in the repossession to the point that it is not able to be driven from the lot. Before the repossession the vehicle had no damage and did not have flat tires. Both parties state the following A verbal agreement was made for a payment to be made on XX/XX/2023. 
A partial payment was made on XX/XX/2023 in the amount of {$310.00} Gateway Financial continued to contact XXXX XXXX after making the verbal agreement and never once warned of scheduled repossession. 
Gateway Financial repossessed the vehicle on XX/XX/2023 in the early XXXX 
Gateway Financial sent a letter to both XXXX and XXXX XXXX that never disclosed the amount to get the vehicle back or location. 
Gateway Financial failed to protect the consumer from substantial loss. 
Gateway Financial engaged in unfair, deceptive and abusive acts when reposessing vehichle. 
Gateway Financial never sent default letter and chance to being current as required by state law for reposession Damages severely decreased value leaving large amount due on consumer Gateway took veh after being 17 days late on a half payment ALL DOCUMENTS PROVING FACTS AVAILABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following account has fraudulent charges made on them ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I applied for bankruptcy years ago ( around 2010 ) after the housing market. I was able to keep my house but under the impression all my debts had been cleared. Last year out of the blue, Specialized Loan Service started foreclosure processes on my home. My daughter was able to lend us the money, but this is putting my in a financial bind and I believe the statue of limitations had already passed.

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.

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 2023-10-19 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: MI

Complaint narrative:
In 9accordance to the fair reporting credit act these Creditors have violated my rights. Under 15usc-1581sectiom 602, states I have the right to privacy. Under 15usc a consumer reporting agency can not furnace an account without my written permission or instructions a credit or may not treat a account or plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: CA

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX XXXX XX/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 2023-10-19 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: CA

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief