vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I received a late notice for my mortgage in XX/XX/year> which I always pay in full every month. When I called on XX/XX/year>, to look into what was going on, it turned out the problem originated from my new insurance policy. I had re-done my XXXX insurance policy in the spring or summer of 2024 to account for a new roof I had installed. Shellpoint still had XXXX insurance policies on the books in my account even though the old one was marked expired according to the rep. I was being charged for both policies for the escrow account. The one that ends with XXXX should have been removed. The rep said it could take 30-45 days to re-run the escrow. In the meantime, I should pay my overdue mortgage amount. I told her I couldnt because I didnt have thousands of dollars lying around. 
I asked to speak to a supervisor, who told me his name is XXXX XXXX. He said he would have an expedited run on the escrow, and it would take a week. In the meantime, he recommended that I pay my XXXX mortgage early to prevent getting more threatening letters and calls. He opened up case number XXXX for the matter. He said he also opened up case number XXXX to make sure my credit score wouldnt be affected. 
I called back on XX/XX/year>, more than a week later. It seemed that nothing had been done on my account. I spent a long time on hold with someone in the insurance department who said after a long while that she got the extra insurance removed from my account. They transferred me back to customer service who assured me I have no late charges on my account, but Im not sure its true. I see on my last statement that I have Total Fees and Charges for {$44.00} and Overdue Payment for {$510.00}. 
The rep also said it would take a couple of weeks to re-run the escrow. It should have been done already per the expedited status I was promised on the XX/XX/XXXX call. I asked to speak to a supervisor again, but I was put on hold for a long time. I had been more than an hour on this call, and I had to hang up and do other things. 
Im writing this complaint to make sure : * The escrow and billing accurately reflect what I owe * That no charges or fees stemming from the companys mistakes are charged to my account * That my credit score is not affected by the companys mistakes. 

I acted responsibly by paying my mortgage on time, early paying to cover for their mistake, and spending lots of time on hold and navigating their phone trees. I would like a letter of apology, also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a 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 2024-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year> i tried to facilitate a transfer, it didn't go through. i called Marcus, after speaking with XXXX different people they told me my account is being closed. Every representative i spoke to told me different information, XXXX person told me my account was closed that day, another person told me 3-5 days ago it was closed. I ended up speaking to supervisor who told me the best she can do is submit a claim/ticket/case. 

I called again on XX/XX/year>, the person i was speaking to told me again my account was closed. However she sees no case or ticket submitted. She also told me that my account was closed today, also that it will take 10 days not 45 days. Nobody there is giving me accurate information. This is insane. I was not even informed my account was closed. I had to call up, they have no answers or clarity. i have almost {$800000.00} in my account frozen and they have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, Equifax XXXX XXXX and XXXX. Despite multiple attempts to resolve inaccurate reporting on my credit file, this company has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which is not true because I have the tracking number and stated that the letter was successfully delivered.This indicates that Equifax is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, Equifax has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various XXXX and XX/XX/XXXX. 
Inconsistent XXXX of XXXX : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure Equifax conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. XXXX repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, Equifax will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

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  account [ 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
Noticed a negative report on my XXXX XXXX account. Something was kicked to XXXX XXXX for collections for a card I have no knowledge of. It was apparently taken in XXXX of 2020. In 2020 I filed a police report for ID Fraud through the XXXX XXXX Police Department after being told that someone had been collecting unemployment in my name. I have other issues that came up thereafter that I believe are associated with the same party, .but filing disputes through XXXX XXXX did not resolve anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
Noticed a negative report on my XXXX XXXX account. Something was kicked to XXXX XXXX for collections for a card I have no knowledge of. It was apparently taken in XXXX of 2020. In 2020 I filed a police report for ID Fraud through the XXXX XXXX Police Department after being told that someone had been collecting unemployment in my name. I have other issues that came up thereafter that I believe are associated with the same party, .but filing disputes through XXXX XXXX XXXX not resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
Noticed a negative report on my XXXX XXXX account. Something was kicked to XXXX XXXX for collections for a card I have no knowledge of. It was apparently taken in XXXX of 2020. In 2020 I filed a police report for ID Fraud through the XXXX XXXX Police Department after being told that someone had been collecting unemployment in my name. I have other issues that came up thereafter that I believe are associated with the same party, .but filing disputes through XXXX XXXX XXXX not resolve anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing my latest credit report, I identified several accounts I believe were added without my permission and are incorrect. Please block and remove these fraudulent accounts from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reporting unauthorized and wrong inquiries on my credit report with TransUnion.

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