vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: MS

Complaint narrative:
Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.

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 2024-12-22 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: MS

Complaint narrative:
Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXXXXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.

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 2024-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally address ongoing and unresolved issues regarding the servicing of my mortgage account in XXXX, Texas. As a XXXX XXXX XXXXXXXX veteran with a limited income, as documented in the enclosed Veterans Benefits letter, the mishandling of my account has caused undue financial hardship. Below, I detail the key concerns : 1. Unauthorized Escrow Conversion My mortgage account was converted to an escrow account without prior notification. Shellpoint, as the mortgage servicer, failed to provide either written or electronic notice of this significant change, which is a violation of applicable regulations, including the Real Estate Settlement Procedures Act ( RESPA ), which requires servicers to provide proper notice of any changes affecting a borrowers payments. 

2. Failure to Notify of Delinquent MUD Tax A delinquent Municipal Utility District ( MUD ) tax balance arose due to a communication error. While my property tax bill was sent to my correct mailing address, the MUD tax bill was sent to the rental property address and was not forwarded, leaving me unaware of the delinquency. This oversight resulted in an inaccurate escrow analysis and a dramatic increase in my monthly mortgage payment from {$2100.00} to {$4700.00}. Under Texas Property Code 32.06, servicers are obligated to ensure accurate tax payment management. 

3. Escrow Payment and Denial of Non-Escrow Request On XX/XX/year>, I made a {$7800.00} payment to reconcile the escrow balance based on assurances from Shellpoint representatives that this payment would resolve the issue. However, the elevated mortgage payment remains unchanged. Furthermore, my request to revert to non-escrow status was denied without notification or explanation, violating transparency requirements under RESPA. 

4. Escrow Balance Discrepancy and Communication Issues The most recent escrow analysis reflects an inflated balance, despite Shellpoint receiving both a refund from the MUD utility and my escrow-only payment, along with multiple elevated mortgage payments. The lack of clear communication regarding these matters violates the Truth in Lending Act ( TILA ), which mandates accurate and transparent disclosures to borrowers. 


Thank you for your prompt attention to this matter. 

Sincerely

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 2024-12-22 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: CA

Complaint narrative:
Subject : Complaint Regarding Unfair Late Payment Reporting by XXXX  XXXX XXXX Dear CFPB, I am filing this complaint regarding an unfair negative remark on my credit report caused by XXXX  XXXX XXXX failure to process my account closure request properly. Despite multiple attempts to resolve this matter with the bank and Experian, the issue remains unresolved, and I am requesting your assistance in addressing this violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue In XX/XX/year>, I requested the closure of my XXXX  XXXX XXXX account via a phone call. At the time of my request, the account balance was XXXX. I was assured that the account would be closed. However, due to the bank 's failure to process my closure request, the account remained open, and I was subsequently charged two {$15.00} fees. These fees resulted in late payments being reported to the credit bureaus, unfairly damaging my otherwise exceptional payment history. 

I have disputed these late payments with Experian, requesting verification of their accuracy. Experian has responded, claiming the information is accurate. However, the negative remarks on my credit report are the direct result of XXXX  XXXX XXXX failure to process my account closure request as promised, making this reporting unfair and inaccurate. 

Impact These unfairly reported late payments have caused a significant drop in my credit score and tarnished my impeccable credit history. This is unjust, given that the fees and subsequent late payments resulted solely from the banks error in failing to close my account as instructed. 

What I Am Requesting I request the CFPBs assistance to : 1Investigate this matter with XXXX  XXXX XXXX and Experian. 
2Require XXXX  XXXX XXXX to remove the late payment reports from my credit history across all major credit bureaus. 
3Ensure compliance with the FCRA and prevent further harm to my creditworthiness.

Supporting Documentation I have attached : A summary of my account history, including the timeline of the account closure request. 
Copies of correspondence with Experian regarding the dispute. 
My Experian credit report showing the late payment remarks. 

Conclusion I believe this issue stems from XXXX  XXXX XXXX error and failure to act on my account closure request, making the late payments unjust and inaccurate. I appreciate the CFPBs attention to this matter and look forward to a resolution that restores the accuracy of my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one menards card. Has taken interest charged and added on to charge more interest. So Im Paying intrest on intrest already paid. Charging me XXXX $ intrest when my payment is XXXX. 

Credit cards need to be put in check. They do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Moore Law Group
State: CA

Complaint narrative:
There was no category matching my complaint, so apologies for selecting " calling before XXXX XXXX or after XXXX XXXX. '' This is regarding Moore Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, phone number ( XXXX ) XXXX. My issue is that the company is very hard to get a hold of, and has not sent me a contract for my payment plan with them, so I am currently making payments without a signed contract acknowledging our agreement. I have been making payments since XXXX. I have called them frequently, but am most often sent to voicemail. Last time I was able to get through to someone, I asked for a contract, and they told me it would take some time. When pressed, they explained that it was not their department that took care of contracts. When asked to be transferred to the department handling contracts, I was told that was not possible. I just want a contract so I can continue making my payments toward my payment plan in good faith. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XX/XX/year> Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Subject : Request for Account Details Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Santander Consumer USA, referenced in the attached document. Please note that I am not disputing this account. Instead, I am requesting clarification and specific details related to its history for my records. 

Specifically, I would like to request the following information : 1. The date of first delinquency for this account.

2. The date of last payment made on this account.

3. The date of charge-off for this account. 

Providing this information will help me maintain accurate personal records. I would appreciate your cooperation in furnishing these details promptly. If there are any forms or processes required for my request, please let me know. 

Thank you for your assistance. Should you need additional information from me to complete this request, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: CAINE & WEINER COMPANY, INC.
State: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7 I HAVE NO CONTRACT WITH CAINE AND WEINER ACCT # XXXX  AND THEIR IN VIOLATION OF 5 USC 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX, PA XXXX, but my credit report shows an outdated address as [ Old Address ]. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my SSN or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely, 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 2024-12-22 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: NY

Complaint narrative:
On My credit report there is a XXXX  account a XXXX XXXX account and a XXXX XXXX XXXX  account on my report all which happened as a result of identity theft. i submitted an FTC complaint to the three major credit bureaus XXXX Equifax and XXXX XXXX in or around XXXX of XXXX  along with a police report of the actual crime. The information was not removed from my credit report. Please have them remove the fraudulent accounts from my report immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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:
On My credit report there is a XXXX  account a XXXX XXXX account and a XXXX XXXX XXXX  account on my report all which happened as a result of identity theft. i submitted an FTC complaint to the three major credit bureaus Experian XXXX and XXXX XXXX in or around XXXX of XXXX  along with a police report of the actual crime. The information was not removed from my credit report. Please have them remove the fraudulent accounts from my report immediately. Thank 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 non-monetary relief
Consumer complaint received 2024-12-22 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:
The company XXXX XXXX  is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXXXXXX   and set it to continue until XX/XX/XXXXXXXX  They are reporting it for 3 years when it is supposedly only to be reported for 2 years. XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

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 2024-12-22 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: MI

Complaint narrative:
XXXX, XXXX, and Equifax continue to report an account named XXXX XXXX on my credit report even with proof that it is a result of identity theft. The company is located in the state of Georgia and I am located in the state of Michigan. During my investigation of this account it was determined the dates that this company alleges this account was opened I am seen on toll booth cameras in the state of Michigan. I have previously disputed this account and provided proof it should not be included in my file but the credit bureaus keep saying the account is verified as accurate. This is my final attempt to get this account removed. I have sued XXXX XXXX, XXXX, and the company in question. Since there is pending litigation this account should not be reported, I will give each credit bureau 7 days to turn over whatever proof that may have to verify this account is lawfully mine. If no such evidence is received I will pursue legal action and use each dispute I have filed over this last year to prove I have asked each credit bureau to comply with the law. If I am forced to file a lawsuit I will add in legal expenses. You are data furnishers that receive information second hand but you will be the one held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
XXXX, Experian, and XXXX continue to report an account named XXXX XXXX on my credit report even with proof that it is a result of identity theft. The company is located in the state of Georgia and I am located in the state of Michigan. During my investigation of this account it was determined the dates that this company alleges this account was opened I am seen on toll booth cameras in the state of Michigan. I have previously disputed this account and provided proof it should not be included in my file but the credit bureaus keep saying the account is verified as accurate. This is my final attempt to get this account removed. I have sued Experian XXXX, XXXX, and the company in question. Since there is pending litigation this account should not be reported, I will give each credit bureau 7 days to turn over whatever proof that may have to verify this account is lawfully mine. If no such evidence is received I will pursue legal action and use each dispute I have filed over this last year to prove I have asked each credit bureau to comply with the law. If I am forced to file a lawsuit I will add in legal expenses. You are data furnishers that receive information second hand but you will be the one held liable.

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