vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
To whom it may concern : I need to file a complaint with SPS. The application of the funds received from the Illinois Homeowner Assistance Program was not applied correctly.

Per attached, the property XXXX XXXX XXXX XXXX XXXX, IL received {$11000.00} to be applied to the past due delinquency for the mortgage. XX/XX/XXXX. 

I was notified in XX/XX/XXXX that SPS is trying to collect {$2900.00} of advanced expenses to me as the homeowner even though SPS received the funds from the Illinois Homeowner Assistance Program that covered past due delinquency and all fees included. The {$2900.00} was included in the {$11000.00} from the State of Illinois. 

This discrepancy is causing a lot of confusion and is hurting me as a consumer due to SPS failure to properly apply the funds.

I am requesting a full investigation into what happened to the funds received from the Illinois Homeowner Assistance Fund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On Trans Union this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ( XXXX ), Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. 


As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-02 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: IL

Complaint narrative:
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 explanation
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is 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 2024-04-02 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:
The presence of this account has caused me significant XXXX, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have notified XXXX, transunion, XXXX  and the creditors about these accounts that are fraudulently reporting to my credit and asked them to do an investigation I have yet to receive any correspondence as they have my updated email and physical address its been over 45 days since I have contacted them in regards to this. I have also submitted and sent all documents that has been requested. Below are the two accounts that need to be removed. 

XXXX XXXX  {$810.00} XX/XX/2023 XXXX XXXX  {$700.00} XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-04-02 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2024, I applied for credit through XXXX ( a part of Comenity/Bread Financial ) to finance XXXX  XXXX. I was approved that day. I then received an Alert Notification email from my credit monitoring service from Alliance Data Services ( which I understand is part of Comenity/Bread Financial ) to verifiy my identification for credit cards from stores I do not patronize nor visit any malls where they may be locared. I can not forward the email I received. This notification has nothing to do with my approval for credit through XXXX. I have contacted Comenity/Bread Financial to file a complaint and I was asked - what do you want us to do? No complaint was filed. In fact when I contacted them last week about this issue, I was told I had to contact XXXX to get information on this. It is impossible to speak to anyone at XXXX! My credit information should NOT be shared within the same company when it has nothing to do with the original credit application. I have had to initiate a freeze on future applicaitons through all 3 credit reporting companies which will inhibit me from applying for new credit in the future until the freeze is cancelled by me. This company must change their credit reporting policies immediately so future applicants will NOT be affected by this " illegal '' practice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This is to complain against the HSBC.

I wish to practice my right as a customer of HSBC to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with HSBC.

In order to clear up the myriad of letters and correspondences I have hitherto sent to HSBC respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion.

It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam.

My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of HSBC to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.

During the complaints process with HSBC, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.

General Obligation : Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my HSBC account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether HSBC did not take notice of any rule, law, or

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
I sent over letters to dispute inaccuracies on my credit report and I have yet to receive a response from the bureaus.

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 2024-04-02 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: TX

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00XXXX XXXX XXXX XXXXXXXX {$0.00XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00XXXX XXXX  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 2024-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, {$510.00} was paid via debit card to Commenity Bank to settle the balance owed on XXXX card # XXXX. While the initial payment mistakenly entered charge back, the payment was successfully settled on XX/XX/XXXX, and Commenity confirmed the payment was successfully received by XXXX Bank, through the charge back system on XX/XX/XXXX ( Trace/Transaction ID ARN XXXX ). Even though they have confirmed the payment was successfully received, they have refused to apply it towards the balance. Multiple attempts have been made to open inquiries as to why this has not been resolved, however their research process only supports the review of XXXX payments. I have attempted to file complaints with XXXX XXXX XXXX and have found that most of these complaints were never actually recorded. It has now been a year, and I have been informed that the account has been charged off. This is now at a point where my credit is being negatively impacted and many fee 's have been applied to the balance. As of right now an additional {$310.00} in fees and interest have been applies to the balance. At the end of XXXX my inquiry had been escalated to a XXXX that was supposed to investigate the matter further, however they came to the same conclusion : their system is only designed to research missing XXXX payments. Shortly after discovering this information the XXXX closed out my inquiry without further pursuing properly, applying the payment to my account. XXXX XXXX has XXXX my payment for 11 months and does not have a supporting procedure to apply the payment to my account. On XX/XX/XXXX a letter was issued communicating that the account has been charged off and will be handed over to a collection 's agency, XXXX XXXX XXXX XXXX. This letter was issued 15 days after it was deterrmined that further research was required before proceeding. 
We have had numerous denials of our claim, each refusing to research further to find the money. We would expect a full investigation of this matter, with full credit of {$570.00} sent to our XXXX Bank account and all fees and interists removed. Also a repair of our credit standing, showing that this whole fiascal was the fault of Commenity Bank and theirs alone! 

XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: AL

Complaint narrative:
Hi, My complaint is that I sent letter and Identity Theft Report to Equifax, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled. 

*A copy of my Identity Theft Report and proof of my identity. 

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

As of today, the issues has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Since the end of XXXX of XXXX I have been calling about my account being frozen and getting nowhere and no information about my account in XXXX of XXXX I was advised my account was being closed as of today XX/XX/XXXX they have no information still to give me regarding a closure of my account they just hang up in my face and once again I get nowhere regarding this case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Please remove unauthorized inquiry dated XX/XX/2024. 

Requested opt-out of all prescreening.

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Ive never received the certified mail with returned receipt, and if you believe that, I did, please provide the receipt with my wet signature, and the tracking number, which I was given option to dispute this alleged debt

Company response to consumer: Closed with explanation