vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
Ive filed several disputes with the credit bureau and the information keep coming back as accurate by the collection company. I called the XXXX number and each time Im told its my debt and they would send me my written and signed consent that I owe this debt and I havent received it. I asked that they cease and desist and remove the information from my credit file and they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I have filed a dispute regarding credit mix matching with some other person with same name to Equifax on XXXX of XXXX and had told them I had already filed for a mortgage and just because of this credit score issue my mortgage approval is pending but since last 2 week I have been calling them daily and they were just telling me it is escalated to back office and will be solved in 24-48 hours but its not been solved yet. And because of that I have to extend my condition letter 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoint Mortgage is the company. A very small portion of my mortgage payment was late XX/XX/2021 because the amount I had to pay went up slightly and I missed any warning this was going to occur. I paid the amount I missed the following month as well as a {$110.00} late fee and they still reported me to the credit bureau and damaged my credit. Even though Im sure they sent an email, I get a lot of similar emails and I simply missed it. Since then, I overpay by at least XXXX XXXXXXXX because Im still missing these communications. It seems very harsh to have to still deal with this knock on my credit after I did everything I knew to do to rectify the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received my crypto distribution from XXXX after waiting XXXX XXXX for it ( forced to partner with PayPal ) As soon as PayPal received it they locked my {$90000.00} in XXXX for XXXX days. Its been XXXX  days they still wont release my funds. The account has no negative balance and I have verified ALL the info they asked me for yet they still wont release my funds. I am borderline XXXX right now because of these crooks. XXXX has fallen XXXX XXXX and I have lost almost {$20000.00} because PAYPAL WILL NOT LET ME SELL MY XXXX!!!!!! I need my freaking money back guys this isnt a game anymore this is my life and home at stake now. Please unlock my account and allow me to withdrawal my funds like anyone else wouldve. This is beyond messed up. I promise i wont use PayPal again after this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
I Pulled my credit reports and noticed several unauthorized hard inquiries on each of my credit reports. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also " knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ''. Please remove all unauthorized inquiries from each of my credit reports including XXXX, Equifax and XXXX. Each unauthorized hard inquiry is listed in the attached FTC Identity theft report which was filed on XX/XX/2024. Please send me a copy of my updated Credit reports once these unauthorized hard inquiries have been permanently removed. Please see attached FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
I Pulled my credit reports and noticed several unauthorized hard inquiries on each of my credit reports. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also " knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ''. Please remove all unauthorized inquiries from each of my credit reports including Transition, XXXX and Experian. Each unauthorized hard inquiry is listed in the attached FTC Identity theft report which was filed on XX/XX/year>. Please send me a copy of my updated Credit reports once these unauthorized hard inquiries have been permanently removed. Please see attached FTC identity theft 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 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received an email today from Chime about a new debit card coming to my mailbox soon. I have never heard of Chime and I do not need to open an additional accounts. I called Chime today and asked what was going on. They told me to flag the account, submit an FTC identity theft report, and let the credit bureaus know. They stated they would send me all of the account information and who opened the account but I never received it. 

Please see the following attached!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Sent an email to Navient requesting the School Misconduct Discharge Application on XX/XX/year>. Gave them both my email and address. Never received. 

Called Navient on XX/XX/year> and requested the application. Was told it would be sent to my email within a couple days. Never received. 

Attempted to call again in XXXX and could not get through. 

Attempted to call on XX/XX/year>. Phone recording indicated I was next in queue and then indicated no one was available to take my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out to the bankruptcy court and asked them if they report information to consumer reporting agencies, and they informed me they do not. This bankruptcy is reporting on my credit reports and it is causing harm to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX  XXXX and placed on collection with XXXX XXXX XXXX on XX/XX/2021 under the account number XXXX. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Here is a list of the hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX This account was disputed on XX/XX/XXXX This account is now in violation of FCRA 623 ( A ) ( 3 ) notice of dispute. The notice of dispute was never inputted within the first 30 days of the dispute. 

Second dispute was submitted on XX/XX/XXXX for XXXX being different on all three bureaus. XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and equifax XX/XX/XXXX The account was disputed a third time for payment history on XX/XX/XXXX for continued payment history after the account has been closed. There should be no payment history on a closed charged off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing of my information to your agency or the obtaining of my consumer information for inclusion in your credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XX/XX/year> I completed a full valid application with Exeter Finance LLC. I was sent a vague denial letter stating they denied me based on my XXXX report. I am requesting a FULL disclosure of my reasons to be denied a right to credit under the ECOA. Please only provide legal reasons as any fraud or deceit can and will be used in any future legal proceedings that may arise. Please disclose the legal procedure of using my credit score in a credit transaction.To be clear, I am not asking for corporate policy or unenforceable procedures. The letter states you obtained a consumer credit report on me. what information was requested on me? what was used exactly from the report? How was it used in the decision and please provide correlating federal laws that apply to this method. 
how on the bottom it says that this letter was revised on XX/XX/year> adverse action ( XXXX ) am I being given a generic response? isnt it required by law I be given clear disclosures? so why am I having to request a personalized clear disclosure? who is actually thororlghy investigating these decisions? this seems extremely shady and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing of my information to your agency or the obtaining of my consumer information for inclusion in your credit reports.

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 2024-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
When I logon to my account with Newrez LLC dba Shellpoint Mortgage Servicing ( Shellpoint ) loan number XXXX, I am greeted with : " Our records indicate that your loan has been service transferred. You can view electronic documents sent to you by Shellpoint prior to when the servicing of your loan was transferred. For any additional documents or information pertaining to servicing of the loan, please contact Customer Care toll free at XXXX, Monday through Friday, XXXX XXXX until XXXXXXXX XXXX MT. We accept calls from relay services on behalf of hearing impaired borrowers. '' They do NOT answer their phones, have NOT mailed me a letter, and there is nothing in their Document Center indicating the new servicer.

Per CFPB it is very clear that both the current and new servicer need to send details about the transfer. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
They removed an account from XXXX that needed removed. But now XXXX XXXX account needs removed because it's been 7 years. I can't dispute it on their site cause it says it's in dispute and I would have an answer by XX/XX/year> it is past that date. And technically it didn't need to come off until XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank/PayPal Credit closed my account but is still requiring me to make payments and allowing me to use the account. Additionally, they have reported my account as late on one or more occasions.

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 2024-07-04 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: NY

Complaint narrative:
I am writing to file a complaint against several banks and XXXX XXXX XXXX ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities continuously breach the following federal laws : 15 USC 1681b ( XXXX ) : Unauthorized access to my credit report. 
15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( XXXX ) : Improper use of consumer reports for adverse actions without proper notification. 
15 USC 1681a ( d ) XXXX ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. 

These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Please perform!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to file a complaint against several banks and XXXX XXXX XXXX ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities continuously breach the following federal laws : 15 USC 1681b ( XXXX ) : Unauthorized access to my credit report. 
15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( XXXX ) : Improper use of consumer reports for adverse actions without proper notification. 
15 USC 1681a ( d ) XXXX ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. 

These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Please perform!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing of my information to your agency or the obtaining of my consumer information for inclusion in your credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.

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