vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a XXXX term. 

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to NewRez/Shellpoint XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, NewRez doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and NewRez/Shellpoint have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????

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 2024-10-02 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-02 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: MI

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am a victim, along with what I suspect to be thousands of others, of mortgage/lending fraud perpetrated by large domestic and international companies. In essence, these companies are collecting money, and foreclosing on homeowners as though they have legal standing, but they do not. In my case, according to the Assignment filed in the County records, my Security Deed was supposedly transferred from ( Assignor ) XXXX XXXX XXXX, XXXX BY IT'S ATTORNEY IN FACT XXXX XXXX, XXXX at XXXX OCWEN LOAN SERVICING, LLC to ( Assignee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SERIES XXXX, UNDER THE POOLING AND SERVICING AGREEMENT DATED XX/XX/XXXX. ( Please see Attachments A1-3 ). According to the filed document, this transfer took place first on XX/XX/XXXX and a Corrective Deed was filed on XX/XX/XXXX. But the cutoff date of submissions to the Trust was XX/XX/XXXX. And the closing date of the Trust was XX/XX/XXXX. The Pooling and Servicing Agreement/Prospectus which is visible on the XXXX  website, states that no loans can be assigned to the Trust after the cutoff date. I alerted the companies involved and the foreclsing attorney firm of their blatant illegal intent and action of foreclosure. They ignored me. And I was foreclosed on XX/XX/XXXX illegally. They have knowingly and willfully several federal and state laws : ( RESPA ) 12 U.SC. 2605. On XX/XX/XXXX, XXXXa letter from my servicer at the time, XXXX XXXX XXXX ( Attachment B ) informing me that the Assignment to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Series XXXX had already taken place. That was in XXXX. How could it have taken place in XXXX? Further, there was no XXXX XXXX XXXX, XXXX in XXXX as indicated on the Assignment dated XXXX XXXX. That company was defunct in XXXX or XXXX. Also, that same Assignment was robo-signed by the known robo-signer XXXX XXXX, who initialed everyone 's signature ( fraudulently ) on the document. They are also in violation of ( TILA ) - Title 15 U.S.C. 1641 ; Dodd-Frank Wall Street Reform and Consumer Protection Act ; Title 18 U.S.C. 1344 ; Title 18 U.S.C. 1001 ; Title 18 U.S.C. 514 ; Title 18U.S.C. 1341 ; Title 18 U.S.C. 472-474 ; Title 18 U.S.C. 495 and numerous State of Georgia and State of Florida laws governing their wrongful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TN

Complaint narrative:
There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of 2022. I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXX XXXX to pull my credit several times I need this corrected and for them to be removed.

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 2024-10-02 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: TN

Complaint narrative:
There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of 2022. I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXX XXXX to pull my credit several times I need this corrected and for them to be removed.

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 2024-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX filed XXXX XXXX XXXX filed XXXX XXXX XXXX XXXX XXXX  Assignment mortgage blank endorsement foreclosure house and land theft discrimination. XXXX XXXX denied affirmative action, discrimination filed law suit. Pretended mediation between attorneys XX/XX/XXXX. Pretended judgement XX/XX/XXXX. Pretended bidder by attorney XXXX XXXX. XXXX XXXX Pretended hearing XX/XX/XXXX. XXXX XXXX XXXX XXXX Pretended bidder motion by XXXX XXXX motion to disburse with mediation to foreclose. No appearance in case. Filed Under name XXXX XXXX XXXX. Pretended bidder agent case XXXX bidder, pretended foreclosure sale attorney XXXX XXXX XXXX XXXX issued a certificate of title, on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX judgement of foreclosure {$100000.00}, {$8900.00}, {$2900.00}, {$76.00}, {$89.00}, {$160.00}, {$1700.00} XXXX XXXX XXXX$110000.00} issued by XXXX XXXX XXXX certificate title, by deputy XXXX XXXX XXXX pretended sale price, bidder {$130000.00}. Clerk Issued to attorney XXXX XXXX XXXX fake address XXXX XXXX XXXX XXXX Florida XXXX and sent copy to XXXX XXXX property XXXX XXXX and XXXX XXXX XXXX. Issued certificate of sale, and XXXX XXXX deputy of clerk Issued certificate of disbursement XXXX XX/XX/XXXX. Fake sheriff invaded home with attorney XXXX XXXX XXXX XXXX. XXXX Foreclosure document dated XX/XX/XXXX. Government entity XXXX XXXX XXXX and XXXX XXXX XXXX XXXX wrongful changed all locks on doors and invaded the house data and personal data. Forced owner out of the home, XXXX XXXX out of her home, life possessions taken by XXXX XXXX XXXX address taken through case no XXXX XXXX possessions of the home. Date XX/XX/XXXX. Covered tag, XXXX XXXXXXXX XXXX. Invaded house as XXXX XXXX Pretended to sale home through the courts XXXX XXXXXXXX XXXX and XXXX XXXX pretended buyer XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain in possession of home with contents. Then they renovated home. To resale again different name to create a chain of title on private personal properties dated first listed date. XX/XX/XXXX. : XXXX  assignment mortgage XXXX XXXX property XXXX clerk changed and conveyed property name to XXXX XXXX. list public records of XXXX used property id to change name from XXXX XXXX. Property descriptions was wrongfully used to created fraud XXXX  assignment mortgage by blank endorsement. 
XXXX XXXX XXXX  XXXX  roof damage from hurricane XXXX. Case claim of case XXXX XXXX of XX/XX/XXXX. Filed by attorney XX/XX/XXXX. Dismissed XX/XX/XXXX. Prior to the filings of XXXX XXXX XXXX filed XX/XX/XXXX. Retaliation by government entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I recently review my credit report and noticed that this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
BACK on XX/XX/year> My Mortgage CO. Roundpoint Mortgage put a Forced placed Flood Insurance policy on my Mortgage and not officially notifying me of this act until 4 days after the fact and they did this within the 45 day grace period that was aloud according to their official letter to me on XX/XX/year> that they did this to me... They charged me {$99.00} for the forced placed flood policy up until XX/XX/year> and so now I might have XXXX flood policy 's in effect I hope not...

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 2024-10-02 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: TX

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing this matter.

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