vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Original loan were sold to now current Newrez Mortgage and now XXXX XXXX XXXX. Insurance were place in escrow on XX/XX/XXXX because they sold the loan. Auto payment is active on my setting, additional fees were added etc. While home insurance is still covered. I called many times to request escrow to remove and have not completed this process. I provided insurance many times with emails and still having to pay for my XX/XX/XXXX mortgage payment with {$300.00} escrow. Lender are withholding escrow fund and have not refunded yet. I called again today XX/XX/XXXX, lender needed up to 30 days to reevaluate loan. I reported this to the lender many months and giving the runaround. Please 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 explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C , 1681section 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 an 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 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 2024-12-18 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: NY

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. 

Charge Off 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 XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Consumer Center Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: MA

Complaint narrative:
Dear Factor Trust XXXX XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
GREETING AS I WAS CHECKING MY CREDIT REPORT I NOTICE THAT XXXX HAD A CHARGE OFF ON MY CREDIT REPORT ON XX/XX/year> ACCOUNT NUMBER XXXX AND I SEND A DISPUTE FOR BECAUSE I DONT KNOW WHY IT WAS ON MY CREDIT REPORT BUT THEY DENIED IT. I HAVE KNOW IDEA WHERE THIS COMING FROM AND ALSO XXXX  AS WELL ACCOUNT NUMBER XXXX ONQUIRY DATE WAS XX/XX/year>. I REQUEST THAT THIS BE REMOVE EXPEDITELY ACOORDING PER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( 15 U. S. C. s 1681 c-2 ), THE FOLLOWING FRADULENT ACCOUNTS MUST BE BLOCKED AND PERMENANENTLY REMOVED FROM MY CREDIT REPORT WITHIN ( 4 ) BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS LETTER PER EACH OF THE ACCOUNT AND INQUIRIES.

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 2024-12-18 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX, XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Solar Mosaic LLC
State: NJ

Complaint narrative:
I was going to do solar panel in my home. After the city didnt allow this project on XX/XX/XXXX, they should cancel the loan. The loan remains open until now. I just realized they didnt cancel/remove the loan on XXXX when I was trying to buy another house. After that I called them many times asking them to remove but they still didnt remove. Because this loan on my credit score I was not approved to buy another house. Mosaic says that XXXX Forever didnt allowed them to cancel/close the mortgage. Mosaic already answered another complaint I did here answering they still waiting freedom forever approval to cancel the loan. I just need this to be removed from my credit score as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: MA

Complaint narrative:
Dear Factor Trust XXXX XXXX. Support Team, I am writing to request an update to the information in my public records maintained by your organization. Specifically, I ask that my current phone number be added or updated to ensure my profile reflects the most accurate information. 

Phone Number to Update : XXXX I have attached documents verifying my identity and confirming my current phone number for your review. Should you require any additional information or documentation to proceed, please let me know, and I will promptly provide it. 

I kindly request that this update be processed as soon as possible, and I would appreciate receiving confirmation once the changes have been made. 

Thank you for your attention to this matter. If you need to reach me for further details or clarification, please contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and signed and notarized a Truth and Facts Affidavit which I had notarized and both are attached. Please Block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Identity Theft XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c2 ) which states that these accounts must be removed within 4 Business Days of receipt.Also, please send an updated copy of my credit report to the above address.

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 2024-12-18 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: OH

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-12-18 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: OH

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-12-18 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: GA

Complaint narrative:
On XX/XX/2024, I sent an Opt Out letter to the Credit Agencies and the creditors who have recorded erroneous credit reporting for the accounts listed below : 1. XXXX  - {$220000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
2. XXXX XXXX {$640.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
3. XXXX XXXX {$570.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
4. XXXX XXXX XXXX XXXX - {$3000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
5. XXXX XXXX XXXX XXXX  {$13000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
6. XXXX XXXX XXXX XXXX  {$7000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
7. XXXX XXXX XXXX XXXX {$10000.00} Explanation : Account was charged off 1099C WAS FILED, ACCT IS CONSIDERED INCOME. INCOME CAN NOT BE REPORTED. I DID NOT AUTHORIZE ACCOUNT FOR PUBLIC RECORD, PER 15 U.S.C. 6802. 
8. DEPT OF EDUCATION {$25000.00} Explanation : PER 20 U.S.C 1232G ( FAMILY EDUCATIONAL AND PRIVACY RIGHTS ) AND 34 CFR 99, MY RIGHTS HAVE BEEN VIOLATED AND MY INFORMATION PUBLICALLY EXPOSSED ILLEGALLY.

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 2024-12-18 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: MD

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 2024-12-18 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: MD

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