vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
As referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity bank calls me at least XXXX a day for credit card debt. Ive already explained my situation of losing my job and also requested they send me the statements and debt information/plan offerings to me via mail. I asked them to quit calling me and mail me the information. They continue to call. 

Here are just the list of voicemails ( which they dont leave every time, they call a good XXXX more than they leave automated voicemails ) XX/XX/XXXXXXXX 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 2024-11-19 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, I have become aware of fraudulent accounts that have been opened in my name without my authorization. I am requesting that all of the following accounts be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$7200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$0.00}

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
This involves CASHAPP, XXXX, XXXX  and XXXX XXXX XXXX that everything happened. I got a remote part time job offer from a company called XXXX XXXX who indicated that associates review XXXX products and get paid through commissions. The HR said that they found my resume online and sent out the offer. I went through the XXXX day training with a trainer called XXXX on XXXX and the company link was forwarded to me to create an account and begin work. At the end of the training and getting started with work, I was able to withdraw my commission on the same day. The next day I logged in as usual and started my task but couldnt continue because I experienced something called advanced task which was new to me and it was explained that for advanced tasks, youll have to remit the payment to get your task done and then withdraw your down payment and commission at the end of the day. The advanced task came with a higher commission and the customer service personnel confirmed that it was not likely for someone to encounter advanced task as they came with higher commission and until you remit the payment, you cant proceed to complete the task and get paid. I complied and got done with the task and was able to withdraw my commission together with the funds I added. Fast forward the next day, it happened again, and I was stuck so I did the usual of adding funds in hopes to get it back at the end of the day but the amount was huge close to {$1500.00} so I had to find ways to remit that and complete the task. Also, all funds transactions were done through purchasing crypto currencies to make payments and to withdraw funds from the job pay. That is how CASHAPP, XXXX and XXXX  came as a suggestion from my trainer and the customer service representative. There is also a XXXX group for us where we share encounters and ideas concerning the job. I remitted the payment and it happened over and over again that my account was locked and I couldnt withdraw any money because they asked me to pay {$14000.00} after having my money of about {$15000.00} locked up. I had to borrow from friends to get through the task hoping to get the money back at the end of the day but I later realized that it was fraudulent because they started blaming me for causing errors in withdrawal process. I contacted XXXX XXXX, CASHAPP, and XXXX  but they are not providing any positive feedback and strike app had my account closed. XXXX XXXX opened a claim but it was denied and closed. I really need help getting these funds back to pay back all my debts. To add up, I also did a wire transfer through XXXX XXXX and the company happens to be in Florida according to my trainer who sent me a picture of herself and kids stating that she had worked on the job for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-11-19 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: NC

Complaint narrative:
I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

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 2024-11-19 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: CA

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer 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 2024-11-19 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: WA

Complaint narrative:
I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the XXXX, a XXXX XXXX XXXX  credit account was fraudulently opened in my name without my authorization. I previously filed a complaint ( No. XXXX ) regarding this issue, which Ive attached for reference. 

XXXX Bank assured me that the fraudulent account would be removed from Experian within 60 days, but that deadline is nearly up, and the account is still visible on my report. 

On XX/XX/XXXX, I attempted to dispute this account with Experian directly, but the dispute was declined. Over the past XXXX years, Ive made multiple phone calls to XXXX Bank in XXXX, XXXX, and XXXX. Each time, I was told the account had been removed and that I needed to wait 60 days for Experian to reflect the change. Unfortunately, this has not occurred. 

To provide further context, Ive attached a screenshot of my Experian report showing the account is still active. 

From my initial call in XXXX until now, I have been waiting not just 60 days but over 700 days for resolution. 

Please address this issue urgently, as it has caused me significant hardship.

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 2024-11-19 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: AZ

Complaint narrative:
I have made every payment on time to this company. This is a XXXX called Shellpoint. The company used to be called SLS ( Specialized loan servicing ) I have every payment I have ever made and evidence of all payments leaving my account. I have called the company numerous times and been left on hold for over an hour at a time with no resolve. 

I have reached the brink. They have assessed late payment fees to my account and have even sent me a nasty letter stating that I can no longer make withdrawals from my line of credit. 

I have my bank statements and screenshots of everything this lousy company is doing. 

I do not make late payments and I am extremely fiscally responsible which is why I have reached the brink of frustration with this company. 

I am currently on hold with them as of this second of which I have been for 1 hour 11 minutes and 49 seconds and this is the 2nd over an hour call I have been on with them today.. Waiting for a supervisor / escalations dept to rectify this which has never been rectified.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX Mr. Cooper Mortgage Company acquired my mortgage from Nationstar Mortgage. I pay into an escrow account for taxes and insurance. On XX/XX/XXXX, Mr. Cooper mailed a letter indicating that the insurance company I have used for the past 28 years did not meet their requirements and they would not renew the policy. The policy expired XX/XX/XXXX. I received the mailed letter on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX, the insurance company I had been using had an XXXX XXXX rating of B in XXXX of XXXX. In XXXX of XXXX Nationstar Mortgage renewed my insurance policy without issue. 

I took no action to change my mortgage company. The change was solely the result of actions by Mr Cooper to acquire my mortgage. Mr Cooper had access to my insurance records and the insurance company ratings for seven months. During this time Mr Cooper failed to provide any indication that the insurance company did not meet their standards. This failure led to my home going uninsured for three weeks. 

I obtained a new insurance policy ( two policies ) on XX/XX/XXXX. 

Mr Cooper sent notice that due to the lapse in insurance they intended to purchase insurance to, retroactively, insure my home and charge me an excessive rate for this forced insurance policy. 

I am seeking protection from this excessive charge. The lapse in my insurance was wholly due to Mr Coopers purchase of my home mortgage and their failure to notify me of new insurance requirements that were directly the result of their acquisition of my mortgage. At no time did I intend to have a lapse in insurance. I paid into an escrow account with the full understanding that the funds were being collected to pay for renewal of my insurance policy. If Mr Cooper had made timely notification of the new requirements for insurance coverage that were necessary due to their acquisition of my mortgage I would have taken prompt and proper action to ensure my home had seamless coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
XXXX XXXX at Thunderbird Collection Services has been calling me from various phone numbers over the past three years in regards to a medical debt owed by my ex wife. I have told him more than once that it is not my debt but him and his company continue to attempt contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Unfortunately, my mother could not travel due to a medical restriction and several merchants refused to provide her with a reasonable accommodation of canceling our reservations and issuing a full refund as her doctor requested. Thus, I went to Navy Federal Credit Union ( NFCU ) to file six ( 6 ) debit card disputes seeking out the protection under the Electronic Funds Transfer Act ( EFTA ). These purchases went wrong as they were canceled and we did not receive the services. However, NFCU did not refund our purchases after we fully cooperated by providing supporting documents on multiple occasions via NFCU Dispute Center portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently investigated my credit report and found several items there to be inaccurate under 15 US Code 1681e ( b ) Accuracy of Report- Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furniture of that information that the information has been modified or deleted from the file of 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 explanation
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtedness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtedness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
There are inaccurate charge-offs and late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtedness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer credit report. Since this charge-off and late payments represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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