vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-02 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: NJ

Complaint narrative:
I, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, reviewed my credit report and found the following Name, Addresses, and inaccurate accounts reporting in my credit report. I am a victim of identity theft and did not authorize the charges. I have provided proof of identification, Proof of address ( Utility Bill ) and my social alone with the inaccurate names and accounts that needs to be removed. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

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 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I called the company on the morning of XX/XX/XXXX to request a payoff. The representative I spoke to, told me Id receive the payoff in about XXXX hours. On XX/XX/XXXX, the company stated that my payoff would actually take XXXX business days because it was a commercial deal. My loan is a conventional loan that was sold to Shell Point Mortgage. I needed this payoff to finalize a real estate transaction and I explained to them that the buyer would be left homeless and Im also paying almost {$300.00} in interest every day in various different credit lines. Shell point mortgage I am only paying about {$80.00} of the {$300.00}. Its XX/XX/XXXX and I have not received my payoff. I now have to pay the buyer money so that they can stay at a hotel because Shell point is not sending my payoff in a reasonable 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 explanation
Consumer complaint received 2024-12-02 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 keep sending Equifax a block request for fraud accounts and they keep saying they have not received my documents. one representative tells me they have while another says they have not received them. and then i can not get access to my online account. I found out from the IRS that someone stole my identity to file false tax returns from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
The property is a single-family home, which is located at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The property is in the state of foreclosure and has been sold to XXXX Bank and the attorney law firm of the Law Offices of Ira XXXX XXXX, XXXX who has sold my mortgage loan to a third-party collection agency Select Portfolio Servicing , Inc . 
I have submitted application on several different occasions for a loan modification, which was denied and the reason stated for the denial, that I did not include all financial documents at the time of submission. I continued to submit all documents per there request and was still denied for a loan modification to help save my home. I have been fighting this case with my home since 2021 and could not get any help. I have hire attorneys from the XXXX XXXXXXXX XXXX XXXXXXXX XXXX, who I paid {$1500.00} for a foreclosure fee, and a total payment of {$6400.00}. Hiring this legal firm was not a success, which resulted in my home going into a property sale and now in foreclosure and which left me more in a debt. 
I purchased this single-family home to allow me to opportunity to supply a safe environment for my family, and which I help assist with my XXXX disable parents. Which XXXX of my parents/ co-buyer is also a XXXX. I have lived in my home for almost 20 years and now I can't seem to get any help from the mortgage lender, who I have tried to contact, and was told that there was no records of myself or my co-buyer information to locate an account for the mortgage and now I don't qualify for any type of home equity loan or a refinance to assist me in saving my home. 
I would like to know if someone could review my complaint to see if I could receive some type of assistance in helping with my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX This account is inaccurately listed as a charge-off with several late payments, including 30, 60, 90, and 120-day delinquencies. I strongly believe this information is incorrect and unfairly impacting my credit score. 

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX This account is inaccurately listed as a charge-off with several late payments, including 30, 60, 90, and 120-day delinquencies. I strongly believe this information is incorrect and unfairly impacting my credit score.

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report and cant figure out why. I always check my credit report, but this time, discrepancies appeared unexpectedly. I even refreshed my browser to rule out a glitch, but the inquiries remained. I need the documents Ive submitted to be reviewed carefully so I can put this issue behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I have filed several complaints about FSA not updating my documents that were sent over by electronic download and XXXX mail with certified return documentation. This has been going on for more than a year to update and close my student loans with the XXXX program. I have called so many times and get the run around, just wait, and sorry I can't let you talk to anyone else. All of these dates have been documented. All my complaints have been documented and unresolved. This is the second complaint with CFPB, which still has not be resolved. How can I get an attorney to assist with resolving my case?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 am a victim of identity theft due to XXXX XXXX The information listed below, which appears on my credit report, is the result of identity theft and trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding the unjustified withholding of funds by Chase Bank. I deposited a validly endorsed 3rd party check into my checking account on XX/XX/2024, but dispute my account being placed on hold and then closed, Chase Bank has continued to withhold the funds without legal basis and explanation. Despite the check being processed and cleared, Chase Bank has refused to verify and identify the endorser/payee with government issued identification ; thus has failed to make the funds available, causing significant financial hardship. 

Repeated attempts to resolve this issue directly with the bank have been unsuccessful. The withholding of funds appears to violate federal banking laws and regulations, such as Expedited Funds Availability Act, the Bank Secrecy Act and Patriot Act ; I am seeking resolution through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I tried to close my account, which was required to open and maintain a safe deposit box. The annual for the box is {$160.00} and I need to pay {$12.00} per month to keep the box. I tried to close the account on XX/XX/year> and the box account and was denied as the fee for the box had been charged. I keep enough money in the account to pay the {$12.00} per month and had calculated the amount of deposits required to cover the fees through the end of the year. I never received the notice of renewal, although the bank claimed that I did. I asked to waive the fee as the imposition of the fee was not appropriate. I also asked that the fee for the box be refunded as I was closing the box. I was advised not to close the box account until the complaint was resolved. The manager was kind enough to send the escalation of the complaint himself. But the escalation department denied the complaint. I offered to pay one month 's fee for the XXXX  and was told that was " not possible. '' I responded that it is possible, but the bank 's policy is to keep the fees by stating that the fee is annual only. This is not a policy mandated by a deity. It is a man-made policy and is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
My information was used to open fraudulent accounts, such as credit cards, loans and collections, XXXX XXXX, Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 at XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, an XXXX collections with XXXX XXXX opened XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number XXXX, and note loan opened at XXXX XXXX on XX/XX/XXXX that's paid and closed under the account number XXXX, and lastly a XXXX-XXXX  secured loan opened XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned 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 aforementioned 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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