vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-11-10 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or around XX/XX/year>, XXXX XXXX XXXX, added a collection account to my credit file on behalf of XXXX. 

I have conducted no business with XXXX or XXXX XXXX XXXX. I do not use or have benefited from the use of XXXX XXXX. There has been no contract with this company and the residential address for this account does not belong to me. 

I have disputed the validity of this claim and neither company responded with verification of debt. Having a consumers name and date of birth is not a verification of debt. No name or contract was provided to me as asked. Per the FCRA, this alleged debt does not meet the requirements to be a collection account. This debt has been sold to XXXX XXXX XXXX and techniques used by this third party to collect is unethical.

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 2024-11-10 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX offers 5 % cashback offers every quarter. In XXXX, 2024, XXXX is said to be one of the categories eligible for 5 % cashback. Recently, I have made two purchases via XXXX, which have not received the 5 % cashback that is advertised as an eligible XXXX category. Namely, purchases made on XX/XX/XXXX, with XXXX XXXX and on XX/XX/XXXX, with XXXX XXXX, both paid with via XXXX have not received the 5 % cashback rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a loan account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$21000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-11-10 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: NC

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies of the accounts numbers XXXX ( XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NC

Complaint narrative:
I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies of the accounts numbers XXXX ( XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report 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 explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. This account, issued by XXXX XXXX XXXX  with account number ending in XXXX, was opened on XX/XX/year>, and shows a balance of {$3800.00}. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I am requesting a thorough investigation into the accuracy and completeness of this charged-off account. If you can not verify the account details with complete supporting documentation, I am requesting the removal of this account from my credit report. 

Additionally, Section 623 of the FCRA mandates that data furnishers must ensure the accuracy of the information they report. This includes updating or removing any items that can not be fully substantiated or verified. 

Please initiate an investigation and, if XXXX XXXX can not provide adequate verification, promptly delete this charged-off account from my credit report. Enclosed with this letter are copies of my ID and any other supporting documents needed to process my dispute. 

Please inform me of the results of your investigation in writing within the required 30-day period. 

Thank you for your attention to this matter and for ensuring my credit report is accurate and up-to-date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. This account, issued by XXXX XXXX XXXX  with account number ending in XXXX, was opened on XX/XX/year>, and shows a balance of {$3800.00}. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I am requesting a thorough investigation into the accuracy and completeness of this charged-off account. If you can not verify the account details with complete supporting documentation, I am requesting the removal of this account from my credit report. 

Additionally, Section 623 of the FCRA mandates that data furnishers must ensure the accuracy of the information they report. This includes updating or removing any items that can not be fully substantiated or verified. 

Please initiate an investigation and, if XXXX XXXX can not provide adequate verification, promptly delete this charged-off account from my credit report. Enclosed with this letter are copies of my ID and any other supporting documents needed to process my dispute. 

Please inform me of the results of your investigation in writing within the required 30-day period. 

Thank you for your attention to this matter and for ensuring my credit report is accurate and up-to-date.

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 2024-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: NV

Complaint narrative:
The Loan was sold to Shellpoint Mortgage. upon sale my monthly statements were reflecting wrong interest rates and based on that the payments were not being amortized correctly. I have called them six times to go over this, the following statement the interest rates are changed to six different amounts. one time showing both XXXX & XXXX next was XXXX and goes back and forth every month. In addition i believe that when they transfer occured they missed crediting for one of my payments. I am making principal reduction payments and not being credited for the extra principal deduction in my amortization. When I call customer service including asking for a manager, all they can tell me is they are going to send in a dispute to the department that handles that asking for a priority, but will not transfer me to a person in that department that can handle this matter, so i have to wait another month until my next statement shows up and then call again and start all over. They also want me to send in a dispute letter every month to try to fix this problem.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
hard inquiries are fraudulent and and doesnt belong to me and need to be removed also the XXXX  as well thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I lost my job in XXXXXXXX XXXX XXXXXXXX - I received a severance and was making on time payments to XXXX until XXXX of XXXX. At this point I contacted XXXX and was placed on a mortgage assistance program which reduced my payments. I was required each month to call and check in with XXXX to report my job status and make my required monthly payment, which I did each month. I finally found a full time job in XXXX of XXXX. At this point I contacted XXXX to make my final reduced payment and to inform them I had found employment. During that call the representative told me that I was now required to pay back the balance that was deferred during the assistance program and I made a verbal agreement on the phone. I was told that I would receive a packet with the program details which I ( and my wife who is a co-signer on the loan ) would need to sign, have notarized, and return to XXXX. 

Today, XX/XX/XXXX, I received a report from XXXX that XXXX reported by loan as severely delinquent ( over XXXX days ) - at time of this complaint I have not received the other notices from XXXX or XXXX which I am sure are coming in the next couple of days. 

During my call with XXXX on XX/XX/XXXX there was no communication that my credit report would be affected. I understand that my payments were " late '' due to the program but no where in my call or in the one letter I have received was it stated that our loan would be reported delinquent. My XXXX XXXX dropped XXXX points just with the XXXX report and I assume it will drop further when it reaches the other XXXX agencies. They reported my entire loan balance of {$320000.00} as delinquent. 

I have seen multiple reports online that this has occured within the last 12 months from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) HELVEY & ASSOCIATES INC XXXX XXXX XXXX XXXX XXXX XXXX HELVEY & ASSOCIATESXXXX Dear collections Department I hope this letter finds you well. Im reaching out not to deny my responsibilities but to ask for a detailed validation of debt you've claiming under the fair debt collection practices act, specifically section 15 USC 1692g sec. 809 ( b ) this isn't about confirming my address ; I need concrete proof of my obligation to settle this debt with you. 

Could you kindly provide the following details. 
: The reason for the debt and what it's pertains to : A breakdown of how the amount was determined : Any agreements that bear my signature indicating my consent to pay the specificed amount : If there's a judgement included, a copy would be helpful : The name of the original creditor : assurance that the statute of limitations for this debt hasn't lapsed. 
: Your authorization to collect debt in my state, Including your license numbers and the name of your legal representative I must also inform you that if I discover any inaccuracies reported by your agency to the credit bureaus ( XXXX, XXXX, XXXX ) it could lead to legal repercussions for potential fraud. 

Should there be any negative remarks from your end on my credit without proper validation I'll be compelled to defend my rights, which might include legal action for violation of relevant acts and determination

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I opened a checking account on XX/XX/year> at XXXX. Shortly after while I was trying to set up and verify my contact methods at XXXX asking to verify my email address. I was then locked out of my account after making a transfer from my XXXX XXXX Debit card ending in XXXX for the amount of XXXX to my checking account ending in XXXX. This as well as my savings account I set up simultaneously ending in XXXX for the amount of XXXX. I was told that my account had been flagged for fraud but it was never explained what type of fraud or why.

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 2024-11-10 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:
Subject : Request for Removal of Credit Inquiries Dear Credit Reporting Agency, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a service member, I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Collection : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation