vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year> I received electronic notice from NewRez that my escrow account held surplus funds in the amount of {$5500.00}. NewRez further advised that I would receive these funds in the next ten ( 10 ) business days. I did not receive the funds. I contacted NewRez via the website and requested the date of mailing. The agent refused to give me the date without being pressed repeatedly. Then I was told that the flooding in the southeast probably caused a delay in the mail. On XX/XX/year>, I still had not received my money and I called. I spoke to an agent who offered to have the money electronically deposited into my checking account. She took all of my information, including routing and account numbers and assured me the money would be deposited without ten ( 10 ) business days. It was not. I called once again on XX/XX/year>, whereupon I was told that no electronic deposit had in fact been set up in the system at all. I asked why and was given no explanation. This agent took all of the routing and account information again. As of today, XX/XX/year>, I do not have my money. It has been almost two months since I was told it would be forthcoming. I called again this morning. This agent went over the routing and account numbers again and confirmed that all was correct. I was then told that NewRez waited for the returned check to void it before " approving '' me to receive an electronic deposit. The agent assured me that it is all in the works now and that she had marked it expedited and the " upper managemnt team '' had told whoever is in charge of that to expedite it. I told the agent that this seems fraudulent and purposeful at this point, as it exceeds all bounds of reason. I have made six attempts to resolve this with the company and to no avail.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Destiny Credit Card agreed to delete a debt off my credit report due to natural disaster of Covid 19 virus / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So XXXX removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX the Creditors FebDestinyXXXX XXXX XXXX XXXX are refusing to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
Dear CFPB, I am filing a complaint regarding repeated inaccuracies on my credit report, including incorrect addresses, employment history, name variations, and unauthorized inquiries. Despite contacting the credit bureaus to request corrections, these errors persist, causing potential harm to my credit profile. I have never lived at the listed addresses, the employment history does not reflect my recent work, and multiple inquiries appear that I did not authorize. These inaccuracies not only misrepresent my profile but also constitute a violation of the Fair Credit Reporting Act ( FCRA ). I am seeking the CFPB 's assistance in ensuring the credit bureaus conduct a proper investigation and correction process to maintain accurate reporting, as these errors may impact my ability to access credit and other essential services. 
Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am filing a complaint regarding repeated inaccuracies on my credit report, including incorrect addresses, employment history, name variations, and unauthorized inquiries. Despite contacting the credit bureaus to request corrections, these errors persist, causing potential harm to my credit profile. I have never lived at the listed addresses, the employment history does not reflect my recent work, and multiple inquiries appear that I did not authorize. These inaccuracies not only misrepresent my profile but also constitute a violation of the Fair Credit Reporting Act ( FCRA ). I am seeking the CFPB 's assistance in ensuring the credit bureaus conduct a proper investigation and correction process to maintain accurate reporting, as these errors may impact my ability to access credit and other essential services.

Thank you for your attention to this issue.

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 2024-11-07 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: PA

Complaint narrative:
Unauthorized inquiries appeared on my credit report this morning, and I have no idea why theyre there. I check my report frequently, but these unexplained entries came out of nowhere. I refreshed my browser, thinking it might be a glitch, but they didnt disappear. I am incredibly frustrated and urge you to examine the documents I sent, as I want to ensure this is fixed and does not happen again.

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 2024-11-07 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: NC

Complaint narrative:
I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX regarding Account # XXXX. # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX XXXX XXXX  ). 

In particular, XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 

Furthermore, XXXX XXXX has inaccurately reported late payments on this account, despite my history of on-time payments. 

Also I want to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX, and XXXX XXXX XXXX XXXX regarding account # XXXX. 

XXXX XXXX and XXXX XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent.

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 2024-11-07 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 am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX. # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX XXXX ). 

In particular, XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 

Furthermore, XXXX XXXX has inaccurately reported late payments on this account, despite my history of on-time payments. 

Also I want to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX, and XXXX XXXX XXXX XXXX regarding account # XXXX. 

XXXX XXXX and XXXX XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I closed on my property on XX/XX/year>, my servicer was Select Portfolio Servicing , Inc . They assured me prior to closing they would not be disbursing the tax disbursement being the settlement company was picking up the exact amount from me at closing ( {$3000.00} ) and I would be refunded the balance in my escrow account about 4 to 6 weeks after the loan was paid off. Turns out, the tax funds of {$3000.00} was both collected from me at closing and also disbursed from SPS ( XXXX ). After several phone calls, I was instructed to call XXXX XXXX XXXX Clerks Office to verify receipt of tax payments. I was told by the clerk that they did receive two payments, the one from settlement was received first and it posted. The other one was received from XXXX ( SPS 's 3rd party servicing company ) was returned to XXXX on XXXX. I have called SPS about 10 times to remedy this situation to no avail, no assistance and no tracking of this returned check. I only received the escrow balance for the homeowners insurance but not the taxes. I have tried numerous times with no due diligence whatsoever to locate these funds. This is not only dishonorable, it's theft to a customer. SPS needs to be held accountable for not taking the proper actions to resolve this matter

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
A charge off is defined by the IRS as cancelled/forgiven debt. According to the IRS the XXXX is supposed to be granted. I am then to file it as reported income. According to the FCRA. Income is not supposed to be reported on my credit report. I have a copy of a letter from the company that is stating that they did not award me that XXXX. While listing that charged the account off not XXXX time but XXXX times. According to my credit report. This violates my rights to fair credit reporting and privacy. Not to mention my right to OPT out and written consent. I would like it removed immediately. If it is not removed, I will be happy to report this to the IRS.

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 2024-11-07 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with SELF FINANCIAL/LEAD BANK was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-07 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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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