vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year>

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-10 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: NY

Complaint narrative:
Apparently, XXXX XXXX XXXX XXXX charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, XXXX XXXX, to ask the Bank of American branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy companyXXXX XXXX XXXX. 
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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-10 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX & XXXX - XXXX {$810.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXXXXXX {$6500.00} XXXX - XXXX {$5600.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} 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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: MD

Complaint narrative:
Equifax failed to provide documentation that I am responsible for several accounts illustrated as delinquent payments. I have not received documentation that XXXX is my account or that I signed any XXXX accounts. 
Also, Equifax has failed to provide documentation that accounts were paid late. I have provided information that accounts were paid as agreed. 
I have provided documentation multiple times illustrating that XXXX XXXX was paid on time. I have disputed vigorously. I am astonished that Equifax has made no apparent effort to verify as I have not seen any documentation. 

Also, I am concerned that the Equifax score that I received is different than what my lender has observed. I received a score of XXXX. However, my lender noted my score was XXXX. I understand scores may differ but believe this should be investigated for fraud, discrimination, and under the Fair Credit Report Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX ( XXXX ) was our original mortgage lender. We went on forbearance last year while I was on maternity leave. After the forbearance, the plan was to put the payments on the back end of the loan. They sent a letter in the mail to confirm but I was in the XXXX at XXXX time with my XXXX and missed the notice. When I called XXXX in the beginning of XXXX to remedy the situation they said that the offer had expired but they could provide me with a new loan modification. I verbally accepted the terms over the phone because they informed me that my mortgage was being sold to Selene Finance as of XX/XX/XXXX but assured me that our loan modification would carry over. I followed up several times with XXXX, who kept assuring me it was in the system. Once Selene took over, I began calling them and after several calls I got the same answer that there were no notes of a loan modification in the system and that we were delinquent. When I followed up with XXXX I got another representative who said " We do not service your loan. Nobody here can help you. '' and when I asked for somebody in a higher position he told me there wasn't any and he hung up on me. In the following weeks Selene has said they see it in the system that I am in review but the review dates keep getting pushed back. We are set to foreclose on XX/XX/2024 which means even if I fill out Selene 's assistant form today, it will not be approved in time. And XXXX is still " looking into '' the loan modification situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MD

Complaint narrative:
I reported and had 4 account closed that were not mine back in XXXX  and they are still on my credit report damaging my credit score

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 2024-05-10 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Complaint is regarding Shell points escrow analysis dated XX/XX/XXXX. This escrow analysis is fraudulent. As a homeowner I paid all county taxes and hazard insurance since the origination of the loan. We are requesting the help of the consumer financial protection bureau to have shellPoint give us a complete escrow accounting since they took over the servicing of the loan. I have documentation that this loan was scheduled to be paid off XX/XX/XXXX. Loan servicers could not put together a complete release. Shellpoint broke federal laws by fabricating this escrow analyst accounting. I have been paying all county real property taxes and homeowners insurance since the origination of the mortgage.

So at this time through the consumer financial protection Bureau, we are requesting shellPointe to submit a complete escrow accounting since shellPointe took over servicing rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Each month since XXXX I am recieving a charge from XXXX on my XXXX  XXXX, Bank of America Visa credit card. I have had to call each month to get this cancelled. I do not own a XXXX account, I think it is not a good idea to PAY for music when the radio is free. I have never owned a XXXX account. How is XXXX getting my new credit card information EVERY MONTH and charging me? ~! This is tiresome. In XXXX I believe the charge was for XXXX, then each month after I can not recall exact amounts but were between XXXX and XXXX. The latest charge is for XXXX and for XXXX and XXXX I am pretty sure it was XXXX. BOA has cancelled each of my cards each time ( a couple of times I only had the card about XXXX days before a NEW charge showed up ) and closes the account. But I have a lot of people on autoPayment and this is not happening with anyone else. WHY is the happening? Please connect with XXXX and/or Bank of America and get this sorted. This is a pain every month! I am now on like my XXXX ( i think ) credit card from BOA in just a few of months. As soon as i get a new card, it is showing up with XXXX charges! Again this is every month from XXXX through XXXX and between XXXX from XXXX. I DO NOT have a XXXX account. I can not take screen shots because BOA closes the account immediately and I can not see any charges anymore. Who knows if other things are being charged on my account or not. Due to them closing the card and removing all of my charges from the screen in front of me, I can not submit any documentation. They said they will issues TEMPORARY credits to my card. I want this permanent reversal, again I do not own a XXXX account and XXXX DOES NOT HAVE MY PERMISSION TO CHARGE ME. PLEASE HELP! 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 monetary relief
Consumer complaint received 2024-05-10 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:
( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

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 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I contacted Chase bank about my payroll deposit.This is because Chase bank advertises that with my secure checking account, I would get paid two days early.Long story short, I argued and complained to my employer because Chase bank lied and said that my employer has not deposited anything into my account.I learned it was a lie because my employer sent me the form showing they had already delivered the pay to chase bank.any ways, my payday was supposed to be XX/XX/XXXX Chase Bank held my funds and I did not have access to my payroll check until Tuesday XX/XX/XXXX around XXXX XXXX Chase Bank policy advertises that Secure Checking accounts will have access to funds Two days before payday and they advertise that they will not place holds on Payroll direct deposits.Its payday again and everybody else 's with Direct deposit has funds already available.Again my money is not available

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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