vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive disputed this multiple times, with credit bureaus. The balances on Equifax and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my credit score lower each month this happens. XXXX XXXX XXXXXXXX restricts adding to the balance of the charge off account which is grounds to sue XXXX XXXX XXXX for violating state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
Ive disputed this multiple times, with credit bureaus. The balances on XXXX and Experian are different. Also, the charge off amount fluctuates monthly to different amounts which makes my credit score lower each month this happens. XXXX XXXX XXXX  restricts adding to the balance of the charge off account which is grounds to sue XXXX XXXX XXXX for violating state laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: WV

Complaint narrative:
Page eight of the attached Equifax credit report states that I was formerly known as XXXX XXXX XXXX. This assertion is FALSE as I have never been known by that name. I have attached my birth certificates ( which were NEVER amended ), my social security card, my ID, and a recent utility bill. Please remove the name XXXX XXXX XXXX from my credit report. Additionally, my student loan appears twice on my credit report on pages twenty-five and twenty-six. The XXXXDept of Ed and the XXXX  XXXX XXXX Loan are one in the same. Please remove the XXXX  XXXX Education Loan on page twenty-six of the attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This whole debacle with our home/mortgage with Shellpoint stemmed from Shellpoint offering a " Covid relief program '' as many lenders offered. As we approached the deadline, Shellpoint refused to answer any of my questions with regards to " what are we going to do next? '' Shellpoint offered over four different single point of contacts and each one of them still refused my numerous requests for help. 
Shellpoint started foreclosure proceedings and they also set an auction sale date. With the little money I had at that time was spent on real estate Attorney XXXX XXXX in XXXX XXXX. He, within five hours made Shellpoint stop any further actions on our property. Shellpoint then retaliated by giving us only one option and that option was " a take it or leave it modification '' that raised our payment over {$1100.00} per month, making it even harder for us to afford our house. At that time, I was XXXX years old and suffering from XXXX XXXX, in which, our beautiful home is equipped for my handicap. The only ones concerned with what was going on with us and our home, were my wife, myself and our family. Shellpoint showed no remorse whatsoever for what they did to us and could give a rats XXXX with regards to helping us. Not only did they raise our payment over {$1000.00} per month over the original payment of {$1800.00}, they also put in approximately {$130000.00} onto our mortgage balance, which raised it from {$220000.00} to nearly {$380000.00}. Shellpoint told us this was not a modification rather a forbearance that we never agreed to or signed. This is absolutely criminal, predatory and malicious in every way shape or form. This worry and stress has worsened my XXXX XXXX which has left me wheelchair bound. Does Shellpoint care? Absolutely not! Please help in anyway that you can and help us save most beautiful forever home. 

With sincere gratitude, XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA 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 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
I lost income XXXX check no longer so please call tell gold star finance contact stop sending me letter threatening I can't afford I am struggling debt so I have serious health problems that I have low white cell and I am very sick illness and fatigue and my chest hurts tell gold star finance leave me alone and if do I will go hospital again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
I requested the late payments be removed from Trans Union profile. I do not have any late payments and they have not sent me any information verifying I do. I asked for account ( XXXX ) that was remove previously for fraud to be taken back off permanently. XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX XXXX was deleted and added back without any verification of the debt to be valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
In accordance whit the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
I am writing you today to complain about the problems Ive had with getting Popular Direct to release my finds to me. In XXXX of this year I opened an account with them and quickly realized this was a mistake. I sent them the attached letter requesting my funds be returned to the bank I used to open the account, and I have yet to either get a response from this letter or have them return my funds as requested. Ive made three calls to their customer service department this week about retrieving my login credentials so I can remove the funds myself and they have called me once but I have only gotten conflicting and increasing requirements from Popular Direct. At this point I am still attempting to see what it will take for them to fulfill their fiduciary duty for me and dont have much confidence in them doing so without getting outside help to convince them to do so. Hopefully your organization will be able to help here, thank you in advance for you consideration in this matter. 



Here is the letter I referenced above with my information redacted. 


XX/XX/year> Popular Bank Attn : Popular Direct Products XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I am writing you today to cancel account number XXXX that was opened Monday XX/XX/year> as soon as possible without incurring a charge for early cancellation. Please return the funds to the bank used to make the deposit. And Id like you to extend my thanks to the highly incompetent customer service representatives I talked with earlier today when I couldnt access my new account, I had some apprehension about opening an account with your bank and they proved without a shadow of a doubt that the apprehension was warranted before Id deposited more funds. They also motivated me to finally get identity theft protection, Im worried what they could do with my personal information and hope theres something the bank can do to keep them from utilizing it. 


Regards ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: MO

Complaint narrative:
removed this from my credit. I never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX my child XXXX XXXX started a cash app account and I have sent XXXX dollars to her account to pay my electric and to buy food for my children but XXXX doesnt remember her XXXX pass word so we could us e the funds I sent to her account I have contacted cash n let them know that I am my childs sponsor and I need the funds back from her cash app that I sent becuz I cant access the account let them know that is the only money I have to feed my children and keep us out the dark so they begin trying different alternatives to get me in my account nothing has worked I called back every day and they started telling me lies that a manger is not available every time I call n that I have to talk too then thru a email I have express that thats money and Im her sponsor I need those funds to feed my family they still just blow me off. Now they are saying after a long period of time the finds will be transferred to the state n I can get the funds from them what Im not understanding is the funds came from my account to my childs account that Im the sponsor on but yet they wont release my phone and me n my kids could die of starvation pls can some one help me pls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accont number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX has violated my right 15 U.SC 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 written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
In accordance with the fair credit reporting act XXXX  accont number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX has violated my right 15 U.SC 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 written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX 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, XXXX, and Equifax credit reporting agencies, 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 mortgage at XXXX XXXXk opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXX XXXX XXXXpened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
XXXX XXXX XXXX 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, Experian, and XXXX credit reporting agencies, 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 mortgage at XXXX XXXX  opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXX XXXX XXXXpened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX  as proof from the XXXX 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
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am filing a formal complaint against ChexSystems XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, for refusing to provide me with a copy of my consumer report, despite my multiple requests. As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811682, they are required to furnish this report upon request. Their refusal violates my rights under the FCRA and prevents me from accessing and verifying the information they hold about me.

Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must disclose all information in a consumer 's file upon request. My right to access this information is a crucial aspect of the FCRA, which protects consumers ' ability to ensure the accuracy and fairness of their credit information. However, ChexSystems and XXXX XXXX XXXX have repeatedly ignored my lawful requests. 

Additionally, 15 U.S.C. 1681 ( b ) underlines the purpose of the FCRA in maintaining the accuracy, fairness, and privacy of consumer information. Denying access to my reports prevents me from identifying and correcting potential inaccuracies, undermining the very intent of these protections. 

I request that the CFPB take immediate action to ensure that ChexSystems and Early Warning Systems provide me with my consumer reports without further delay. My preferred method of receipt is by email at XXXX, or, alternatively, by mail to the address listed on my government-issued ID, which I am prepared to submit upon request. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I believe Aqua Finance , Inc. used misleading tactics to convince my wife to enter into an agreement for a water filtration system in XXXX. A door-to-door salesman gave us a lengthy demonstration that would supposedly improve our home 's water quality. He outlined several perks in addition to the product, such as custom shampoos, laundry detergent, and bar soaps. What was not made clear was how high the interest rates would be, as well as how long the balance would take to pay off. We made monthly payments from XX/XX/XXXX through XX/XX/XXXX, amounting to {$4400.00}. We have paid an additional {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. We are still being told we owe a balance of {$6400.00}. 

I spoke with a representative at Aqua Finance, who told me the original amount owed upon agreement was {$8900.00}, but our remaining balance is still high, mainly due to alarmingly high interest rates. 

The original copy of the agreement we signed in XXXX is not accessible online without an access code. When I called for a copy, I was told that the code expired and that I would need to be sent an email of the agreement. She confirmed the email address and told me it could take up to XXXX business days to receive it. I never received the document. 

In XX/XX/XXXX, the FTC published an article about a {$43.00} XXXX settlement that resulted in {$20.00} XXXX in refunds and {$23.00} XXXX in debt forgiveness for consumers " harmed by its dealers ' deceptive sales tactics. '' I believe we should've been included in this settlement. Aqua Finance has a message on their website stating, " All impacted customers will be mailed a letter from Aqua Finance with the details of the settlement by [ DATE ]. Impacted customers will also be sent an email if they have an email on record with us. If youre unsure or have additional questions, you can contact us at XXXX. '' We never received such a letter, so I called the number and was told we were not part of those customers impacted. Based on our situation, I believe this to be false. 

Aqua Finance 's payment system, Pay Near Me, does not list our full history of payments ; instead, it only goes to XX/XX/XXXX. XXXX, XXXX, and XX/XX/XXXX all show higher-than-expected payments processed of {$210.00}, {$320.00}, and {$440.00} -- when the regular monthly payment was set at {$100.00}. We were not aware of these higher payments. 

My credit score has been impacted by the length of time this balance has taken to pay out, which includes a lapse in payments I was not aware of. 

Aqua Finance has already been exposed for shady practices, and they continue to try taking advantage of a misleading agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Credit card Charges Off Account : number XXXX Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Good morning in reviewing my credit report. XXXX XXXX XXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX written off. XXXX XXXX XXXX failed to submit 1099 -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX XXXX FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter. 
( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. 
Consumers prepared to address this matters in legal proceedings for statutory damaged. 
Im hoping we can address this matter with the proper outcomes for both parties. 
The following documents can be mailed to me at XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief