vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I want to indicate some questions regarding my credit report issued by your company. At first, I want to comment on your answer to CFPB on XX/XX/24. You requested me to inquire on XXXX card, which transaction history appears in another credit company credit reports. Since this credit card appears to have the past transaction on other credit company without asking me to inquire XXXX , I consider the credit card companies, including yours, can acquire the necessary information ; therefore, your company should directly ask XXXX same as other credit report companies. I now compare the credit reports of all companies, which submitted in printed form. Since this credit report is mine and should reflect my personal information, all credit reports should have the consistency. Your company credit report indicates the last four digits, which are same way the credit companies indicate their customers cards. Since your company is credit report company, you should indicate the customers account numbers by the beginning of the account numbers, not last four digits. I will compare all credit reports of all American credit report companies, so please change the style, and have the consistency. 

Additionally, I have requested you previous letter not to mention by my first name, XXXX. I believe the usage of first name indicate some familiarity which your company, Innovis, and I, XXXX XXXX, do not have any personal relationship ; therefore, your company should indicate me by my family name or full name. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : 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. FCRA Section 605B ( a ) stipulates that XXXX shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.

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 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. 
-- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXXXXXX XXXX XXXX {$460.00} XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.XXXX XXXXT XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX  Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}

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 2024-01-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX  XXXX {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc
State: CA

Complaint narrative:
I received an alert that my credit score had dropped from XXXX. Upon looking into this matter, I found a company was looking to send me to collections for a purchase that was made. The debt collection company is XXXX XXXX. I called them on XX/XX/2024 to explain to them that this was not my debt, I had never heard of the original debtor which is Uplift. The amount they are trying to collect is {$3800.00}. I told them that I did not make a purchase to this company and that the collection process needed to stop as this is not my debt. They said they would send it to the appropriate office and have someone look into it. I called again on XX/XX/2024 to check on the status. I spoke to a gentleman named XXXX who said he would look into it further. I would like this taken care of as soon as possible since my credit score has been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-01-18 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: ProCollect, Inc.
State: MO

Complaint narrative:
The account closed still reporting has if its open

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 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/2023, I applied for a {$35000.00} loan with ONEMAIN FINANCIAL and was told that my application was unable to be approved. ONEMAIN FINACIAL placed a hard inquiry o my credit profile and sate falsely claim that I did not meet the criteria for a loan. This is inaccurate as the entire consumer transaction is predicated on my own credit which I am merely seeking to access a portion of. The denial of my application is a false and misleading denial of my own credit pursuant to : 15 U.S. Code 1611 - Criminal liability for willful and knowing violation For my application denial, ONEMAIN FINANCIAL states the following reasons : Percent of XXXX XXXX  in use Credit amount on revolving trades Percent of revolving credit in use Ratio of balance to credit These reason for denial of the application is not in accordance with the FTC, CFR, and the FCRA as they are predicated upon willful and erroneous data to cause me denial and financial injuries As you made be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 
Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 upon my application being denied I received no letter In writing telling my why I was lawfully denied. Instead, I received an electronic notice ( see attachment ) stating the four unlawful above to justify the loan denial reasons. 
This is booth evidence and proof that I have been discriminated against, ONEMAIN FINANCIAL Is also criminally Liable and should resort to reasonable procedures to rectify this affair and compensate me for this use of my security, otherwise this would be security fraud since I have no BENEFIT. 

according the ONEMAIN FINANCIAL prospectus : The information in this preliminary prospectus supplement and the accompanying prospectus is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are part of an effective registration statement filed with the Securities and Exchange Commission. This preliminary prospectus supplement and the accompanying prospectus are neither offers to sell nor solicitations of offers to buy these securities in any jurisdiction where the offer or sale thereof is not permitted. 
Filed Pursuant to Rule 424 ( b ) ( 7 ) Registration Statement No. XXXX Since they are taken said position as to guarantee not to sell my security or make no offer to by my security they have admitted to financial fraud in the act denying me my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
Subject : Urgent Request for Metro2 Compliance Investigation - Unauthorized Sale of Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : [ Your Email Address ] Phone : [ Your Phone Number ] [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services, I am writing to bring to your attention a matter of utmost urgency regarding the accuracy and compliance of the information reported under my name to consumer reporting agencies, specifically as reflected in my recent credit report from Equifax. After a thorough review, I have discovered distressing information that indicates my personal data may have been illegally bought and sold on the dark web, leading to potential exposure of sensitive information. 

Specifically, the discrepancies I have identified are as follows : 1. [ Detail the first discrepancy, including any relevant account information ] 2. [ Detail the second discrepancy, if applicable ] 3. [ Continue as necessary for additional discrepancies ] This revelation is deeply concerning as it poses a significant threat to my privacy and financial well-being. Given the severity of this matter, I urgently request Equifax to conduct a thorough investigation into the unauthorized sale of my personal information on the dark web. 

If possible, please provide a written response within the next 30 days, outlining the results of your investigation and any corrective actions taken to address this illegal exposure of my information. Additionally, I request that Equifax take immediate steps to rectify any inaccuracies stemming from this unauthorized sale and promptly update my records with Equifax and the other major consumer reporting agencies. 

I appreciate your immediate attention to this critical matter. I trust that Equifax will take swift and decisive action to ensure Metro2 compliance, safeguarding the accuracy and security of my personal information. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-18 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: TN

Complaint narrative:
Credit Bureau report publication without any 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 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I applied for a Loan Modification that was approved. I had no idea how much the actual modifciation was for, however was told I had to make XXXX ( XXXX ) payments in order to get the full details. I made the payments then they sent a modification that was incorrect, had incorrect math by nearly XXXX and I could not qualify for the payment as it was more than double my earlier payment, They withdrew the modification advising they were investigating the math, and the overall XXXX  and principle amount and appraisal of the property. However they received the appraisal and it was XXXX under the amount of the modification. While I was waiting on the corrected modification I have been still making payments of nearly XXXX per month that I can not afford of qualify to pay. Then they transferred the servicer to a new servicer. I have requested a copy of the modification that is signed by the prior servicer, notarized and recorded. They do not have one and have said it was never signed as it was to be changed, yet no one will change it. I have been paying on a modification of a loan that is over XXXX, on a house only worth XXXX. The math is totally wrong and they have been collecting my payments and applying them to a loan that has never been ratified. NO one is helping me and I have provided over XXXX pages of back up. Yet I missed a payment and they called me ASAP for payment arrangement. Everyone refuses to talk to me and when they do they say its under review. Its been going on over a year now. I do not know what to do. Im very scared and worried

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/2023 NewRez took over servicing my loan from XXXX XXXX. In early XX/XX/2023, NewRez, despite being listed on my insurance declaration page, and being notified by my insurance company, XXXX, did not pay my homeowners insurance. Over the course of late XXXX and much of XXXX, NewRez claimed that they were going to pay the insurance, so the policy could be reinstated, but never did. I called every two weeks. They told both my insurance company and my broker they were going to send a payment, but neglected to do so. Finally on XX/XX/XXXX, on a joint call with NewRez and my insurance company XXXX, I was told by XXXX that there was no way to reinstate the policy and that the insurance company had told the last two NewRez representatives that very information. In early XXXX, NewRez, with out sending me notice, placed me on their lender insurance. Now, because of their malfeasance, I am having difficulty getting homeowners insurance, because to the insurance brokers/companies, it appears as if I have been uninsurance since XX/XX/2023. 

Based on the way NewRez handled my payment of my homeowners insurance, I believe not paying the insurance of their customers may be just the way they do business and could be a systemic problem. By not paying my insurance I was forced to be on their high risk insurance. Meanwhile, they had all the money I had been paying for my insurance in escrow. 

Additionally, during this time period I had a property claim. Their handling of this claim, which is still not resolved has been abysmal. The damage happened XX/XX/XXXX and the claim is still not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation