vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2024-11-12 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: Westlake Services, LLC
State: OH

Complaint narrative:
Pursuant to 18 usc 8, i owe no debt, this company is violating my consumer rights to privacy pursuant to 15 1681 b to company also has NO permission to report anything using my info pursuant to 15 usc 1681 4

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> Dear CFPB, I am writing to file a formal complaint against XXXX and Equifax for their persistent failure to correct inaccurate information on my credit report, despite multiple attempts to dispute these errors. I believe their actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, 15 USC 1666b, and 15 USC 1601. 

Account Name : Global Lending Services Account number : XXXX The inaccurate information includes : Incorrect Account Status : The account is incorrectly listed as " Closed '' and " In Repossession. '' The correct status is " Voluntary Surrender. '' Inaccurate Payment History : The payment history is inaccurate, showing numerous late payments. This information is incorrect and misleading. 

These inaccuracies are in violation of the FCRA, as they are both incomplete and inaccurate. 

The FCRA requires credit bureaus to maintain accurate and complete information in consumer reports. Additionally, the failure to investigate and correct these errors within a reasonable timeframe is a violation of 15 USC 1666b and 15 USC 1601. 

I have previously submitted disputes to both XXXX and Equifax on XX/XX/year> with complaint file reference numbers : XXXX : XXXX/ also on XX/XX/year> complaint number : XXXX Equifax : XXXX/ also on XX/XX/year> complaint number : XXXX / XX/XX/year> complaint number : XXXX Despite these previous attempts, the inaccurate information persists on my credit report. This ongoing failure to investigate and correct these errors is a clear violation of the FCRA. 

I request that the CFPB investigate this matter and take appropriate action against XXXX and Equifax for their repeated violations of the FCRA. I expect a timely resolution to this issue within 15 business days. 

I am available to provide any additional information as needed. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$4700.00XXXX XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I noticed my American Express account was limited after trying to transfer my money I was paid via check for a side job to my external checking account because I needed the money to use not to save. The external transfer didnt go through and then I called the bank and they asked me to verify my identity which I did. Took over XXXX mins on the phone. They said I was verified then told me they wanted to close my account but couldnt return my funds to me. I told them they are legally obligated to return my funds from my available balance and they could not state a reason as to why they couldnt but said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Recently, I was informed that my personal information may have been exposed due to a data breach involving XXXX. I became aware of this exposure through receiving a notification from the company, and discovering unauthorized activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. Due to this incident, two fraudulent bankruptcy filings have appeared on my credit report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following bankruptcy entries from my credit file : Fraudulent Bankruptcy Entries : XXXX. Bankruptcy XXXX XXXX : XXXX Date Filed : XX/XX/year> Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date Filed : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: FL

Complaint narrative:
I sent XXXX a certified letter asking them who is it that I owe them money. I asked them to send me proof and what I received from them clearly states that it is not a bill which I highlighted for them to see.There are two separate issues here that I've enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Absolute Resolutions Corporation Amount {$6700.00} Greetings, I have attached my Federal Trade Commission Identity Theft Report as proof of my claim. 

As of today, XX/XX/XXXX, your company is publishing the above referenced fraudulent account on my credit reports. Delete this fraudulent account from my credit reports in 7 days by XX/XX/year> or I will sue Absolute Resolutions Corporation for defamation, willful noncompliance, negligent enablement of identity fraud, violations of the FCRA, and financial injury for the maximum amount allowed by the law. 

XXXX XXXX XXXX : Illinois Department of Financial and Professional Regulation, Federal Trade Commission, Office of the Attorney General , Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed on the app. When I submitted the request, I missed a few screenshots as proof. However, I contact cashapp afterwards and asked to add it. They said I could not and declined my claim. My account is also old and has completely inaccurate information. My last name is not even correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I al
so request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2024-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint is saying I did not pay my XXXX HELOC in full. We submitted two payments. They did not apply it to the account correctly and now theyre reporting it to credit agencies that XXXX payment was late. Ive called at least 6 times. I called again today and they now said I owe almost {$600.00} for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I am submitting this formal complaint against Flagstar Bank and XXXXXXXX XXXX XXXXXXXX XXXX concerning the mismanagement of my escrow account and failure to pay my homeowners insurance premium. This negligence resulted in the termination of my insurance coverage, ultimately causing substantial property damage and personal financial loss. 

Summary of Complaint : This complaint addresses the failure by Flagstar Bank and XXXX XXXX  to fulfill their obligations under the terms of my mortgage agreement by ensuring timely payment of the insurance premium from my escrow account. 

Background and Facts : Mortgage Transfer : My mortgage was serviced by Flagstar Bank until it was transferred/sold to RoundPoint Mortgage XXXX XX/XX/2024. 
I received Notice from Flagstar assuring me that : " This transfer will not affect the terms of your loan. It will be the same type of loan with the same terms and interest rate. If you have an escrow account with Flagstar, it will transfer to XXXX  XXXX XXXX XXXX, who will make your tax and insurance payments for you. '' ( see attachment ) Escrow Account Setup : As per my mortgage agreement, Flagstar Bank had established an escrow account to cover my homeowners insurance premiums, with the policy set to renew in XX/XX/2024 through XXXX XXXX. 
Failure to Pay Insurance Premium : Renewal notices and billing statements from XXXX XXXX were sent to Flagstar Bank, however, no action was taken by Flagstar to ensure these payments were processed or properly transitioned to XXXX XXXX  Upon transfer, XXXX XXXX  attempted to coordinate with XXXX XXXX but failed to make the necessary payment from my escrow account. 

Resulting Impact Due to the failure of Flagstar Bank and XXXX XXXX  to ensure the continuity of my insurance coverage : My homeowners insurance policy was terminated, leaving my property uninsured. 
Shortly after the termination of my policy, my property sustained water and sewage damage, resulting in significant personal expenses that would have been covered if the policy had remained active. 

Specific Damages : The mishandling of my escrow account has caused damages to my property, including but not limited to : Carpet damage due to water issues. 
Damage to household items due to sewage backup. 

These damages have resulted in substantial personal expenses that could have been avoided if the insurance premium had been paid on time.

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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I reached out to them by phone and by email to delete the hard inquiries a they still haven't Everytime I call XXXX I am on hold for over XXXX mins to talk to a supervisor and nobody to came to the phone. please help me get my credit together

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: Cedars Business Services, LLC
State: OH

Complaint narrative:
This account is not mine. I opened no new accounts in this time frame as I was cleaning my credit up. It is feaud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This account is not mine. I opened no new accounts in this time frame as I was cleaning my credit up. It is feaud

Company response to consumer: Closed with explanation