vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have disputed this account last month and it came back verified.

I have written to dispute the accuracy of information on my credit report. According to the Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n All these laws should be applied when it comes to 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I disputed several transactions from XXXX with my credit, which is Discover. Some tech was not cooperating with my request. They wanted to charge my card over and over, so I disputed all the transactions and I explain to discover why I am disputing those transactions. You know any heads up any letters, any calls they closed my account. Ive worked so hard to take my score up to XXXX now Im at XXXX of their poor decision, I need this resolved and I need my credit back. I have hundreds of messages between me and thumbtack, which I have provided to Discover again they close my account without any notice no letters no call

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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:
Upon reviewing my recent credit report, I noticed several accounts that were opened fraudulently in my name. These unauthorized accounts are not only inaccurate but are also damaging my credit score, which is impacting my ability to secure financial products. I kindly request that you investigate this issue and promptly remove these fraudulent accounts from my report to restore the accuracy of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Transunion 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 XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX acct # XXXX, bal. {$1800.00} XXXX XXXX  acct # XXXX, bal. {$1300.00}, anlso XXXX collections XXXX XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX XXXX, acct # XXXX, bal. {$1800.00}. 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 atorementioned traudulent 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections. and hard Inquiry are the results 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 2024-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
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: LA

Complaint narrative:
My mortgage through XXXX recently changed companies over to ShellPoint. During this transfer process I requested that PMI be cancelled on XX/XX/year>. I filled out the form needed. The form needed was authorization for internal valuation.. completed by me on XX/XX/year>. The appraisal was done on XX/XX/year>. I received the appraisal and a letter from XXXX on XX/XX/year> stating that I had met requirements, and that PMI was cancelled. Afterwards, my monthly mortgage note lowered the amount of what my PMI monthly charge was. So, I assumed it was cancelled successfully. However, once things switched over to ShellPoint I noticed how PMI was still listed. I also noticed that PMI was still being pulled from my escrow. I have contacted the company multiple times to cancel my PMI as indicated in their letter. It is still not cancelled. Furthermore, for some unknown reason someone manually decreased my monthly note AGAIN the amount of my PMI. So, PMI being pulled plus the lowered amount going in to escrow, I will not have enough in my escrow account come tax time to pay. I have called on this as well and multiple escrow analysis requests have been made. NOTHING is being corrected and XXXX can not receive a call back even though they say they will.

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 2024-09-28 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:
Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: OR

Complaint narrative:
This is the text I was sent by supposedly Shepherd outsourcing on XX/XX/year>. The text starts with my name omitted here for privacy reasons. 

Hi ____ this text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) account. Visit portal-shepherd.com ( the rest of the link I omitted here for security reasons ) Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. ( They give a reference # here omitted for privacy reasons ) Reply STOP to opt out. 

I have not clicked on the link yet due to my fear of it being a scam. I do not have a XXXX account. And never have. I ignored it for that reason. But a second text same number came a week later on the XXXX. 

We have limited time to work with you before we return your XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account to our client. See your options at portal-shepherd.com ( the rest of the link I omitted here for security reasons ) or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out. 

Again I didn't click the link due to thinking it's a scam. And 2 days later I got the third text on the XXXX. 

If your XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account is returned to our client we may not be able to renew these offers. Save up to {$680.00} in up to 3 payments when you visit portal-shepherd.com ( the rest of the link I omitted here for security reasons ) or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out. 

This last one bugged me because I saw a dollar amount. I still didn't click the link thinking it to be a scam. But decided to XXXX the number. I have come to the conclusion that due to my research I am right in it being a scam. I then was going to report it to the FTC. But they referred me to you. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
I have requested this company stop reporting on my credit report and to fix the and report the correct balance XXXX XXXX ran up the bill amount without my acknowledgement when I was trying to fix the account, they sent my information to a collections agency in XXXX which is unlawful and not in the accuracy The account involved is in litigation. XXXX XXXX keep reporting on a daily current weekly on my report with the incorrect information the balance indeed is incorrect ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2024-09-28 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: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


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 2024-09-28 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this statement myself. The following collection and incorrect information should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the collection and incorrect information listed IMMEDIATELY. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX PA 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 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
Northstar Location Services , LLC has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to XXXX XXXX XXXX 

I do not Owe XXXX XXXX XXXXXXXX nor Northstar Location Services , LLC the alleged debt amount of : {$1000.00} Please see attached pdf document ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it.

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 2024-09-28 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:
Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXX, account number XXXX, has always been timely and without issues. I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. 

Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to ensure the accuracy of my credit profile, as is my right under the FCRA. 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
My account with KIKOFF was never late! I have had exceptional payment history with KIKOFF 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 by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardships to my reputation, my character, my mode of living and to my family! I demand the late payment reported on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX to be removed. KIKOFF is also 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. KIKOFF 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! Delete the late payments from my consumer reports. Late payments reporting without proof in the form of a bank statement is hearsay and needs to be removed. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This proof when I paid on time. Anything other then documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. Once again I did not pay late for the month of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) Delete this from my credit report and update paid on time never late removing the data from the payment history as well unless you can prove with a bank statement coming directly from Kickoff. The creditor KIKOFFfailure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I had auto accident with rim damage in XXXX, XXXX, which was covered by XXXX -American Express card. Before dropping of the car on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked for additional deposit of {$2000.00} on top of {$400.00} already paid. 
Upon return to XXXX on XX/XX/XXXX I filed claim with American Express card submitted my statement and related documents for them initiate the claim. 
Since XX/XX/XXXX till now Amex has been investigating the claim/investigation and i have submitted all documents they needed, now suddenly i see {$2400.00} charge reappear in my statement without explanation, upon calling Amex I was told because i did not provide my current car insurance details, which i had already done but I resent again. so the partially credited the account for {$1000.00}, still we have open balace of {$1400.00} plues late fees and interest of {$91.00} which is unfair since Amex has failed to honor their XXXX policy. 
Please see 3 Amex letters enclosed here XXXX letter dated XX/XX/XXXX that dispute will be resolved with a month, now it took 8 months 2nd letter dtd XX/XX/XXXX said {$2000.00} charge investigation claim closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge claim closed. 

it does not give me any right to re- charge my amex for {$2400.00} after 8 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I filed a dispute on XX/XX/XXXX and it was over a XXXX dollarswith vanilla gift cards. 
They told me while they investigating they will lock my card so I cant use it. I still have XXXX on this card and they wont let me use the card.

It should not take this long for a dispute. Im in desperate need of money and they are holding on to it and wont let me have my money.

Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
Account Name Merchant ID Status Date Added XXXX Status XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX who was going to use the software XXXX XXXX. They are the credit card vender for XXXX XXXX. I decided not to use this company and cancelled everything associated with it. This credit card company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$29.00} out of my account monthly until XX/XX/XXXX. That is a total of {$710.00}. I NEVER PROCESSED A SINGLE CREDIT CARD THROUGH THEM. They only agreed to refund the last 3 months. I feel I am entitled to a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXXXXXX XXXX XXXX I did not authorize these companies to run a hard inquiry on my credit report and would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citi reversed a conditional credit on my XXXX credit card bill, which is due XX/XX/year>, indicating that I am accountable for the {$350.00} charge from XX/XX/year>. On XX/XX/year>, I contacted and spoke with a representative, explaining that a vendor was making unauthorized payments to my card. They closed my account and issued me a new card on XX/XX/XXXX, but the vendor was able to continue charging my card since Citi failed to turn off the digital element of the card. They apologized and said the system generally closes the card 's digital part, but something went wrong. They apologized and stated that they would reach out to the vendor for the unautorized charge. Since then, I've gone back and forth with Citi. They insist there is nothing they can do. My issue is that I contacted them as soon as I learned the company was billing my card unlawfully. I'm just not sure why I'm accountable. If Citi had shut down the digital side when they closed my account on XX/XX/XXXX, the {$350.00} card on XX/XX/XXXX would not have been processed. I've never received any items from the company, and their website is no longer operational.

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