vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX of Contact Center Operations** JG Wentworth XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX XXXX acct XXXX XXXX **Subject : Formal Request for Contractual Fulfillment Dear XXXX XXXX XXXX XXXX XXXX, I am writing to address significant concerns regarding JG Wentworths handling of my account under the debt negotiation program, initiated on XX/XX/year>. For six months, I have made timely payments totaling {$1500.00} in good faith, per our agreement. However, despite my commitment, I have received little meaningful communication or updates about the progress on the two debts your company agreed to negotiate.

Throughout this period, I have reached out repeatedly, only to receive inconsistent responses from contact center representatives. In our most recent communication, I was informed that one of my accounts is now considered a scrub account, a designation suggesting little to no likelihood of successful negotiation. The negotiating team was asked for updates on both accounts and only sent one response.Meanwhile, I have received no substantive information about the second account. What does scrub mean???? How is it that your reps do not provide a proper explanation and a client has to chase to get a repsonse? I have asked for a manager to repsond and the reps will not escalate?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX  XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO, Employers : XXXX XXXX  XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
There are fraudulent items on my credit report from which I have never benefited continues to appear on my report. Although it has already been removed by both XXXX and XXXX, you persist in reporting this false and fraudulent information on my credit report. This misrepresentation is not only insulting but also damaging to my character, causing me significant stress and concern that my rights as a consumer are being violated. I have reported this issue to the Federal Trade Commission, yet the items still exists.

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 2024-10-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-25 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: CA

Complaint narrative:
first letter was sent on XX/XX/year> explaining all the errors with pictures of them highlighted and circled in red errors on my consumer report a generic response was sent back too me and the errors continued to be furnished on my consumer reports. thus damaging my credit and damaging my character. they are also in violation of the fcra. 1. failure to investigate or re-investigate inaccuracies as required by 15 USC 1681i. 2. failure to provide verification of disputed accounts as required by 15 usc 1681s-2. a second letter was sent on XX/XX/year> outlining the continued errors with inaccuracies highlighted and circled in red but the continued errors continue to damage my credit report. I further escalate and request monetary relief for such continued violations against this credit bureau. these are still the continued errors still being furnished as of today XX/XX/year> : Equifax Report : Open Accounts : 1. XXXX XXXX : * Inaccuracy : Equifax reflects the account with a balance of {$0.00}, but there are missing monthly payment details, particularly for XXXX ( equifax XXXX XXXX ). 
* Error : Payment history gaps between XXXX and XX/XX/year>, where no data is available ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
2. XXXX XXXX XXXX ( Credit Card & Installment Loan ) : * Inaccuracy : Both the credit card and installment loan accounts show overdue balances, but the overdue amounts ( e.g., {$39.00} and {$60.00} ) vary across reports. 
* Incomplete Data : Equifax does not provide clear payment history or show all missed payment details ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
Closed Accounts : 1. XXXX XXXX XXXX XXXX  : * Inaccuracy : Equifax lists a charge-off with a balance of {$27000.00}. This differs from XXXX and XXXX reports, which have slight discrepancies in balances and dates ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 
* Error : Different bureaus reflect varying charge-off amounts, with Equifax showing higher overdue amounts ( equifax XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX 
2. XXXX XXXX XXXX : * Inaccuracy : Equifax reflects the late payment in XX/XX/year>, but does not align with other reports regarding account closure status ( equifax XXXX XXXX ) ( XXXX XXXX XXXX ). 


each company listed above has also been notified 3 different times and if these accounts are deleted at this point I will have no other choice but to pursue litigation for the continued violations stated above for continued months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-10-25 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: IL

Complaint narrative:
On XX/XX/XXXX, I emailed the XXXX  XXXX XXXX Bankruptcy Court a letter asking does the court report bankruptcies to the credit bureaus. I received a letter stating the following : The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. If this is the case, I need to know how the credit bureaus verified my bankruptcy file numbers XXXX, XXXX  XXXX Bankruptcy and XXXX, XXXX XXXX Bankruptcy as 100 % accurate. Please advise me of the dates and times of the fair investigation according to 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information, however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 USC 1681 Section 602A states I have a right to privacy. 15 USC 1681 Section 604 A states A consumer reporting agency can not furnish an account without my 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 explanation
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

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.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have requested now FOUR times to explain what a {$340.00} payment is that is coming from my account each month. It is isted as " XXXX XXXX XXXX ''. My homeowner 's insurance policy was paid XXXX XXXX on XX/XX/XXXX in the amount of {$2300.00}, so it's not my homeowners. Additionally, I've spoken with my homeowner insurance agent, and this is not something they are receiving, and they have no idea what this would even be. It should not be a PMI payment as our XXXX is well over XXXXXXXX XXXX. The only other payment from my escrow account should be property taxes which are paid XXXX, and this is. not for taxes. They were paid ( XXXX ) on XX/XX/XXXX, and will be paid again in XXXX. This " mystery payment '' started being paid in XXXX, when they began servicing our account instead of hte prior servicer, SLS. They have now paid - to someone, we have no idea who - a total of five payments in the amount of {$1700.00}. I have repeatedly requested information from them about WHAT this is, WHO they are paying and WHY this only began when they started servicing myu loan. Additionally, I requested a full refund ( not to my escrow, but directly to me ) for the overpayment, as well as an adjustment to the escrow payment, if needed. I keep getting their canned response : " we're working on this request and will get back with you ''. I started contacting them in late XXXX when I discovered this error, and I'm tired of waiting as I've made two payments since then, and am due to make a third. I'm hoping you can assist. 
( Attached a photo showing all payments highlighted in yellow )

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update 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