vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I contact ally bank three times regarding my dispute with XXXX for {$230.00}. I was told the dispute was solve and I would get a credit did not het a credit. I provided all the documents the bank asked for.

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 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I've blocked this company changed debit cards and pins yet these charges keep popping up on my account the company has no web or business address and I don't even know what services are provided. I contact also my online banking institution " Current '' they say the will investigate but can't stop the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
see attached for full complaint Dear CFCB Team, I am writing to formally dispute a duplicate account listed on my credit report. Despite my multiple attempts to resolve this issue, the erroneous account remains. 

The account in question is listed as # XXXX XXXX XXXX XXXX, and it is a duplicate of another entry on my report. Enclosed are supporting documents that confirm this error. I kindly request that you review my file and remove the duplicate to ensure my credit report accurately reflects my credit history. 

I Have enclosed two forms of identification to prevent any further stall tactics. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Supporting Documentation ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MA

Complaint narrative:
XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate.

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 2024-10-13 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: MA

Complaint narrative:
XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate.

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 2024-10-13 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is not mine as this is a fraudulent 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 non-monetary relief
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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: NY

Complaint narrative:
Improper and inaccurate negative information on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: NY

Complaint narrative:
Improper and inaccurate negative information on 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 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
At the direction of the CFPB and with the encouragement of XXXX XXXXXXXX XXXX I am filing an update to my complaint against SLS/Shellpoint. 

We just received a new loan modification offer from Shellpoint ( XXXX XXXX ) whose essential characteristics are the same as previous modification offers ( see attached offer from XXXXXX/XX/XXXX ). Here are the terms for the new offer : Downpayment : {$23000.00} Principal Balance : {$180000.00} Term : XXXX months Rate : XXXX XXXX Forbearance : {$45000.00} I calculate that the true cost of this modification offer is around {$450000.00} ( {$23000.00} + XXXX {$790.00} + {$45000.00} ). The main difference is that it extracts additional equity of {$50000.00} from our property to the benefit of the mortgage company. 

During our last meeting with the lawyers at the hearing in XX/XX/XXXX, we were told that Shellpoint ( XXXX XXXX ) would put forward a mutually beneficial offer in consideration of the history of the loan. 

Here are the facts of the loan and its servicing : 1 ) The loan was obtained under duress in XXXX, and the originator used predatory tactics ( including the threat of foreclosure ) ; the originator was aware of the market conditions in XXXX, and yet she told us that this loan would be erased or nearly erased once our previous home sold and that we would easily be able to refinance the entire loan. These were knowably false statements. 
XXXX ) SLS did not offer loan modification or loss mitigation options in spite of repeated requests. 
a ) I sent many letters and called many times begging for help during XXXX. 
b ) No options were offered in XXXX when the loan went into default. 
XXXX ) XXXX violated federal law by not sending monthly statements after XXXX. 
XXXX ) XXXX repeatedly perjured itself to federal state authorities in XXXX - XXXX by claiming that this XXXX was not a XXXX XXXXXXXX XXXX 

Given the history of this loan, I demand that XXXX share its reasoning for not putting forward a good faith offer. If they are serious about negotiating a settlement, we would like to know why XXXX XXXX XXXX pursue the same tactics that XXXX pursued before it filed for XXXX  under the pressure of mounting legal pressure.

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 2024-10-13 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MS

Complaint narrative:
I got an alert on my credit report that a collection was placed on my credit bureau on some it showed XXXX owed and on the others it showed {$70.00} as of todays date u have never been contacted nor has this account been verified that I owe this debt I was never given the right to dispute this debt nor did this company contact me with my rights they immediately placed this debt on my credit never giving me the opportunity to dispute nor verify my debt this company is doing illegal collection tactics in order to ruin the consumers credit company has violated the fair credit reporting act to protect the consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
William Rush and Associates account number XXXX XXXXXXXX balance {$2500.00} According to law 15 usc 1692c ( C ) CEASING COMMUNICATION If a consumer notifies a debt collector that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-10-13 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I'm a victim of identity theft I've been XXXX  for 15 years .I was XXXX  in 2021 I tired to start my life and I can because someone used credit, I can't start my life

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 2024-10-13 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have received a fwd letter about the company collecting a debt from XXXX  XXXX. I currently have an investigation going on with XXXX  XXXX due to inaccurate reporting this was one of the accounts that was removed from my credit torpor and they went and sold it to a collection agency, I found the inquiry of them pulling from my credit report PORTFOLIO RECOVERY which I did not allow nor give them permission to. I did not even give capital one to give this company my information to even collect on this debt at all. I am providing information in regards to the information I am requisitng and to cease all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System- {$250.00} - received several calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX XXXX XXXX XXXX - {$300.00} - received several calls, texts, and emails at all hours of the day about this debt received during the pandemic when everything was closed - opened XXXX / reported XXXX XXXX XXXX XXXX XXXX- {$1000.00} - received several letters, calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX XXXX XXXX XXXX - {$470.00} - received several calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported 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 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief