vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
A payoff statement was requested and provided with a pay-through date of XX/XX/year>. 
The payoff amount was XXXX XXXX XXXX of XXXX On XXXX, a check for {$350000.00} was mailed, but Shellpoint XXXX rejected the payoff, stating that the amount was short by over {$3000.00}. 

Shellpoint continued to charge interest on the loan amount. 
I made XXXX payments of XXXX, a total of XXXX. 

However, even after paying off all interest owed, an interest balance of {$5500.00} was still owed, according to Shellpoint. 

I pointed out this error, and no one could offer an explanation as to why. 
On XXXX, another attempt was made by the title company to pay off the loan. 
With the same amount as the original. 

This time, the payment was accepted with an overage of over {$4000.00}. 

For 3 months, I have called repeatedly to try to resolve this issue. 
Many times, my calls were answered, and when I confirmed my identity, I was transferred and promptly disconnected. Emails I sent to managers went with no response. All attempts to speak to management were futile. I was told on at least XXXX occasions to call back in XXXX weeks ... and still, not a single update or attempt to rectify the situation was done by Shellpoint. 

Additionally, Shellpoint is still charging $ XXXX for a HELOC loan XXXX has a balance of {$.00}. I was told to just take the minimum amount and close the loan, but due to the fact that the amount offered is inaccurate, I refused. 

Shellpoint has been a complete nightmare, and they are illegitimately holding funds that are owed to me and my family.

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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In my inquiry Chase Bank ran my credit without letting me know. This is something I did not authorize at all and unacceptable overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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 XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX 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 : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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

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 2024-10-16 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: TX

Complaint narrative:
I am asking for your help with the wrong account showing on my credit report. This has affected my reputation, and I need your assistance to get it corrected. Your poor handling of my credit report has severely impacted me, and this incorrect reporting has destroyed my reputation. You need to remove this misinformation from 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 explanation
Consumer complaint received 2024-10-16 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: TN

Complaint narrative:
XXXX @ XXXX! 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting the removal of several inquiries from my credit report with Experian. I contacted Experian 's customer service department on XX/XX/year> at XXXX XXXX and spoke with XXXX, but they did not help resolve my concerns. These inquiries are negatively impacting my credit, and they need to be addressed. 

The inquiries I am requesting to be deleted are : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, only authorized inquiries should be listed on my report. These inquiries were either not authorized and I believe they are a violation of my rights under the FCRA, which ensures that consumers have the right to accurate reporting. 

I expect these inquiries to be deleted from my credit report as they are unjustly harming my credit score, and I have already attempted to resolve this directly with Experian.

Thank you for your prompt attention to 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
Consumer complaint received 2024-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: IL

Complaint narrative:
VW Credit never sent an invoice to my home address ( XXXX XXXX XXXX XXXX  XXXX, XXXX IL XXXX ), and they flagged my account 30 days past due in XX/XX/XXXX ( {$1300.00} ), XX/XX/XXXX ( {$1300.00} ), and XX/XX/XXXX ( {$1300.00} ). I repeatedly called, sent letters for late payments and flags to be removed, and received no reply. I continue to send letters disputing the late fees and XXXX late flags to removed and no one replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MO

Complaint narrative:
My credit report shows several late payment discrepancies that do not match my consistent payment record. Please rectify these mistakes and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-10-16 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX XXXX XXXX ACCOUNT 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because my credit reports show an unauthorized inquiry and inaccurate personal information that I did not initiate or approve. Despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation. 

I have previously disputed several accounts on my credit reports with XXXX, XXXX, and Equifax, but to no avail. The credit bureaus have failed to address the inaccurate accounts and the erroneous public record that they continue to report. I have attached all relevant dispute letters to this complaint for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because my credit reports show an unauthorized inquiry and inaccurate personal information that I did not initiate or approve. Despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation. 

I have previously disputed several accounts on my credit reports with XXXX, Experian, and XXXX, but to no avail. The credit bureaus have failed to address the inaccurate accounts and the erroneous public record that they continue to report. I have attached all relevant dispute letters to this complaint for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
I was completely shocked this morning when I saw inaccurate accounts on my credit report, and I have no clue how they got there. I check my report regularly, and this time, there were errors that seemed to appear out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The wrong accounts remained. I am requesting that the documents Ive provided be thoroughly reviewed so I can stop worrying about this ever happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have filed multiple complaints but heard nothing from XXXX. After XXXX XXXXXXXX unlawfully withdraw $ XXXX from my Bank of America unfunded checking account ( as XXXX XXXX XXXX transaction had been cancelled 24 hours before in writing ), Bank of American then refused to file a dispute ( through XXXX, Bank Manager, BOA, XXXX XXXX, NY ), and all of my bills started bouncing. Then, BOA froze my savings account for $ XXXX. For almost a week they prevented access to both checking and savings leaving me with XXXX money, refusing to tell me what was going on, placing holds on my attempts to get the rest of my money away from BOA so XXXX XXXX couldn't unlawfully try to take it, and was lied to, repeatedly. For almost 4 days my savings account reflected a XXXX balance, yet my $ XXXX had not been received by XXXX. Both XXXX XXXXXXXX and BOA violated the Electronic Federal Transfer Act, and I want to know if your organization is going to do something about it.

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive reviewed my latest credit report and discovered multiple accounts that seem to have been added without my authorization and are incorrect. I request that these fraudulent accounts be blocked and removed promptly.

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 2024-10-16 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX 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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt 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 2024-10-16 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I was wondering why my credit score fell by XXXX pts. So I looked it up. I called the company that had hit my credit not once, but twice in one week! I had never heard of them. I called. XXXX XXXX at XXXXXXXX XXXX XXXXXXXX. She stated they were collecting a debt from a XXXX XXXX XXXXXXXX. I had a hard time getting the XXXX to put the claim through with my insurance way back then. It was an ER visit. They did nothing and the charge was like I spent a week there. I finally had it taken care of and then Covid came and we had no jobs. I could not pay the bill. It went to a collections and went down to around {$1000.00}. I tried to pay some but was having a hard time. I didnt recieve bills. This place came from nowhere. At me owing {$6400.00}. They have not sent me a bill. Nothing. My credit was good at XXXX. Im trying to do good. Its down XXXX points because they hit it every week. I do not have a job and live in a camper. XXXX XXXX XXXX XXXX XXXX so I can go back to trying to work. They need to stop.

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