vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
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: MA

Complaint narrative:
I am XXXX XXXX XXXX, the owner of loan XXXX XXXXXXXX on the property located at XXXX XXXX XXXX, XXXX MA XXXX. I am writing to express my concern regarding the issues we have been facing with the handling of our mortgage account following the merger of Shellpoint Mortgage XXXX and our original mortgage company XXXX. 

Firstly, I would like to address the discrepancies in our escrow account. I have been diligently paying my taxes directly to the city of XXXX, as evidenced by the full payment for XXXX and partial payment for XXXX. Despite this, I was shocked to discover that upon Shellpoint 's takeover, our escrow account was in the negative, and an incorrect amount of {$490.00} was paid out. I am requesting a reimbursement of {$1400.00}, as I have been making additional payments towards my taxes since XX/XX/XXXX. The check I received for {$690.00} does not account for the full amount owed. 

Secondly, I would like to highlight the issue with my home insurance documents, which were promptly provided to Shellpoint Mortgage Services. 

Lastly, I am troubled by the sudden increase in my monthly mortgage payment from {$1300.00} to {$1600.00} since Shellpoint assumed control. I am unable to afford this additional amount and refuse to pay it. 

I have contacted Shellpoint multiple times via phone and email to address these concerns but have yet to receive a satisfactory resolution. The mishandling of our payments has adversely affected our credit score and caused unnecessary stress for myself and my spouse. I urgently request that these issues be resolved promptly and the necessary corrections be made to our account.

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 2024-12-18 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: PA

Complaint narrative:
I woke up today to find inaccurate accounts listed on my credit report, and I can't figure out how this happened. Ive been regularly checking my credit report without any problems until now, but today, I noticed discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser multiple times, hoping it was a temporary glitch, but nothing changed. The errors remained, leaving me anxious and confused. XXXX begging for a thorough review of the documents Ive provided so that I can finally have peace of mind.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 non-monetary relief
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 non-monetary relief
Consumer complaint received 2024-12-19 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: TN

Complaint narrative:
Upon checking my credit report, I found inaccurate late payment entries that dont match my typical payment habits. Kindly correct these mistakes and revise my account.

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 2024-12-19 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: NJ

Complaint narrative:
What does 15 USC 1681 mean? 


: governs access to consumer credit report records and promotes accuracy, fairness,, and the privacy of personal information assembled by Credit Reporting... 


https : //bja.ojp.gov statutes Fair Credit Reporting Act Bureau of Justice Assistance My information was exposed in the data breach I want all late payment/charge off Deleted from my credit report in all three credit Reporting agencies. Equifax, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-19 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 requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding 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 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
So the issue is with the Gemini Crypto exchange and here 's the full story : I've recently decided to convert my decaying cash into bitcoin. I've been with Gemini over 3 years and have bought tens of thousands worth of XXXX and other crypto with no issue. 

About a week ago I asked for clarification on wire instructions and their support was as it usually is. Slow and don't pay attention. Usually I would just ignore this but I answered their survey about my experience and gave them a negative but respectful review. Mere days later, I can no longer send XXXX to my crypto wallet, my Gemini credit card gets constant fraud pings whenever I try to use it asking me to verify whether or not I'm trying to make a transaction and most recently, I can no longer with draw the remaining cash balance from Gemini to my bank. Here 's the funny part though, the remaining transactions that did go through to my credit card where I owe them money, Gemini had no issues accepting payment from my bank account ( the one they won't let me withdraw my remaining funds to ). This really feels like a vendetta or something really crazy going on based upon the negative feedback I left. 

So here we are. I have XXXX major issues that came up in the span of a few days. First they asked me to take a selfie with my driver 's license and a piece of paper with one of the ticket numbers and a driver 's license. Now they are asking for proof and source of funds and I don't feel comfortable giving them that information considering all that is transpiring. What are they doing with that info? 

Anyway, luckily I was able to somewhat outsmart them by selling all the crypto I had and withdrawing most of the cash to my account. What remains is about a grand that I can't get out. I don't call about the security hold on withdrawing crypto to my wallet because I no longer have any crypto on there. I just want my remaining cash so they need to fix or lift whatever error they programmed to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion of the Following Accounts that have surpassed the 30 days federal law dispute period : To Whom It XXXX Concern, I am writing to formally dispute the accuracy of multiple accounts listed on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ) which I initially started the dispute on XXXX, XXXX, 2024 through CFPB. 

The accounts in question are : 1. USAA FSB 2. USAA FSB 3. US BK CACS These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt.

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX Card and LA XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports.

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I purchased a vehicle today. XXXX finalizing, XXXX XXXX wanted to confirm my identity by having me call them from the number listed on my credit report. 

Unfortunately, the number that is listed on my Experian Credit report, XXXX, is INCORRECT. 

I have tried to correct it, but when I attempt to verify via email, I never recieve the confirmation code. 

This is preventing me from finalizing financing for my truck. I am requesting assistance from CFPB to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
XXXX disputing this account, no knowledge of it. From all credit bureaus

Company response to consumer: Untimely response
Consumer complaint received 2024-12-18 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: PA

Complaint narrative:
This morning, I discovered inaccurate accounts on my credit report, and I am utterly confused about how they got there. I check my credit report regularly, and this time, I found unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was a temporary glitch, but nothing changed. The incorrect accounts are still there. I urgently need the documents I provided to be reviewed carefully so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. These accounts are not associated with me in any way, and their presence is unjustly impacting my 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 explanation
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

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 explanation
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three credit reporting bureaus have locked me out of my account. They are acting the bad practices by acting like theyre helping me login telling me that theyre going to send a email for me to click on the link and they never sent the email or they have me send all my information and my ID, a face recognization and say that I passed all the security questions and theyre going to send me a text link for me to click on and they lie, today I was on the phone with Trans Union and he walked me through this process and said I was logged into the account it says login, but it doesnt show me nothing on my credit report its all kinds of other stuff. Nothing about my credit report hindering me from logging in and acting like theyre helping me login and theyre not. Its all a scam.

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 2024-12-19 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-18 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:
Ive noticed discrepancies on my credit report under 15 USC 16c-2. Unapproved hard inquiries are listed, and I request their immediate removal to correct my 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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Dispute of Inaccurate Debt Collection Reporting and Request for Removal under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to dispute inaccurate debt collection information being reported on my credit report by ADS/Comenity and XXXX XXXX XXXXXXXX. The debt in question is being reported with incorrect amounts, and I have not received proper validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
To date, neither ADS/Comenity nor XXXX XXXX XXXX has provided sufficient documentation or proof that this debt is accurate or that the amount being reported is correct. Specifically : XXXX. XXXX/Comenity has reported a debt amount that I believe to be inaccurate and without proper documentation or verification of the balance. 
XXXXXXXX XXXX XXXX XXXX has failed to validate the debt in writing upon request and continues to report this debt without sufficient proof that it is mine or that it has been properly calculated. 
In accordance with the FCRA and FDCPA, I request that these inaccuracies be thoroughly investigated and that the debt collection entries be removed from my credit report if proper validation can not be provided within the statutory time frame. 
Please investigate the following : XXXX. ADS/Comenity : Provide documentation supporting the reported debt amount, including account statements, payment history, and any validation confirming this debt as mine. 
XXXX. XXXX XXXX XXXX : Provide evidence of the debts legitimacy, including a copy of the original agreement, proof of the debt 's transfer to collection, and accurate calculation of the amount owed. 
If either XXXX/Comenity or XXXX XXXX XXXX can not provide proper documentation of the debt or validation of the amount owed, I respectfully request that this debt be removed from my credit report as it is being reported inaccurately and is in violation of the FCRA. 
Under the FCRA, inaccurate or unverifiable information must be deleted from my credit file. I ask that this matter be rectified within 30 days as required by law. If these companies can not substantiate the debt, I request immediate removal of the collection entries from my credit report

Company response to consumer: Closed with non-monetary relief