vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint againsXXXX XXXX XXXX XXXX XXXX for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that XXXX XXXX XXXX XXXX placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with XXXX XXXX XXXX XXXX  including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that XXXX XXXX XXXX XXXX provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If XXXX XXXX XXXX XXXX is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with XXXX XXXX XXXX XXXX  is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that XXXX XXXX XXXX XXXX is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: MS

Complaint narrative:
My account with XXXX XXXX XXXXXXXX XXXX  XXXX never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 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 XXXXXXXX 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 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

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 2024-06-06 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: MS

Complaint narrative:
My account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 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 XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 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 explanation
Consumer complaint received 2024-06-06 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received a response from Experian on my Experian account stating that the company they use to verify public records stated the record is mine. IT IS NOT MINE! I am going to sue Experian if they dont remove the XXXX XXXX XXXX XXXX  record! Ive disputed it 5 effing times and Im going to just get a lawyer and sue XXXX XXXXXXXX out of Experian if they dont do something RIGHT NOW! Ive tried with the courthouse as well and the court house states they DONT report to the credit agency! They are falsely stating that the court house is the record owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: IN

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-06 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: IN

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My mortgage has been purchased and sold several times. My current loan servicer is " Mr. Cooper by XXXX. '' I pay my loan through bill pay out of my checking account with XXXX XXXX Bank. 

I send this payment automatically each month on the XXXX of the month. 

I have noticed that each month the effective date is soon after this XXXX date, between the XXXX and XXXX of the month ( the later date due to weekends I believe ). 

However, this payment is not applied to my account until many days later. For example, my XX/XX/XXXX payment was " effective '' XX/XX/XXXX but " applied '' on the XXXX. My XX/XX/XXXX payment was effective XX/XX/XXXX but applied XX/XX/XXXX. The worst this year was for my XX/XX/XXXX payment ; it was effective XX/XX/XXXX but not applied until XX/XX/XXXX -- 14 days later. 

When I asked about this, the representative of the loan servicing company blamed my bank for the delay. However, this money is taken out of my account on the XXXX of each month. To remedy this situation, the representative wants me to give them my bank account number and routing number so they can automatically pull the funds out of my account each month. I do not want to give them this ability. 

I can not get a good explanation for the delay is crediting my account for the funds I have sent and frequently posting the payment well after the due date, even though it was sent and received well before that due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint against Equifax, e-OSCAR, and the Metro 2 reporting systems due to ongoing inaccuracies and inconsistencies in my credit reports. Despite multiple attempts to resolve these issues directly with Equifax, they remain unresolved, causing significant distress and financial harm. 

Nature of the Complaint : XXXX. Inconsistent Credit Reports : - My credit reports differ significantly between Equifax.XXXX, XXXX and Refresh.me. 
- The information reported to XXXX, which aligns with what banks are seeing, does not match what is displayed on EquifaxXXXX. 

XXXX. Specific Discrepancies : - XXXX XXXX ( Account Number : XXXX ) : - This account shows on Refresh.me and should be showing across all versions of my report. 
- All inquiries related to this account should be removed as per my dispute resolution. 
- XXXX XXXX XXXX Collection : - This collection appears on Refresh.me and XXXX but not on EquifaxXXXX. 
- The collection should be removed from all versions of my report as per Equifaxs confirmation of its removal. 

XXXX. Failure to Correct Disputed Items : - I have disputed several items on my credit report with Equifax. 
- Equifax confirmed that these disputed items were removed from my report. 
- However, banks and other financial institutions continue to see these items when they pull my credit report. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : - Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they provide ( 15 U.S. Code 1681e ( b ) ). 
- Despite disputes and confirmations of removal, Equifax has failed to ensure that the corrected information is reflected across all reporting platforms, violating their obligations under the FCRA. 
- Case Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case emphasizes the importance of maintaining accurate information in consumer reports and the liability of credit reporting agencies for failing to comply. 

XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : - Equifax 's failure to properly update and report the accurate status of disputed items may also constitute a violation of the FDCPA, which prohibits the use of false or misleading representations ( 15 U.S. Code 1692e ). 
- Case Reference : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) This case clarifies the application of the FDCPA to misleading representations in debt collection practices, applicable to the inaccuracies reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to dispute the accuracy of information contained within my credit report, particularly concerning late mortgage payments. Pursuant to the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 EB, I hereby invoke my rights to dispute and request an investigation into the following late mortgage payments : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX XX/XX/year> These reported late payments inaccurately reflect my credit history. I maintain that I made all mortgage payments with the additional payments for the repayment plan on time during the periods mentioned above. we entered a forbearance due to a NATURAL DISASTER and did a repayment plan once the forbearance ended. Due to my findings, a mortgage company can not report late payments on a forbearance repayment due to a natural disaster. Furthermore, I would like to bring to attention the actions of Shellpoint Mortgage regarding a forbearance and subsequent repayment plan associated with my mortgage account. It has come to my attention that Shellpoint Mortgage withheld proper information regarding the terms and conditions of the forbearance and repayment plan, leading to confusion and financial hardship on my part. Such actions are not only unethical but may also constitute a violation of the FCRA. Moreover, despite my repeated requests, Shellpoint Mortgage has refused to release phone recordings relevant to this matter. This refusal raises concerns about transparency and accountability in their dealings with consumers. In accordance with 15 USC 1681 EB, I request that you conduct a thorough investigation into the validity of the late payment entries associated with my mortgage account and the alleged withholding of proper information regarding the forbearance and repayment plan. This includes scrutinizing the accuracy of the reported dates, amounts, and any other relevant details pertaining to these late payments, as well as an examination of the information provided in attachments regarding the forbearance and repayment plan. No where on your site does it state you would report late until payments were finished. No where in the application does it say you would report late until payments are finished. I urge you to take immediate action to rectify these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the investigation has been completed and the necessary corrections have been made. I appreciate your prompt attention to this matter and expect a response within the timeframes stipulated by law. I have attached images relating to the forbearance/repayment process and information on the site. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal information 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX This personal information is incorrect, please remove it from my credit report immediately. 
Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX TX , XXXX, XXXX This account is being reported inaccurately, please remove from my credit report immediately. 
Inquires Please remove the following as they were not requested or authorized : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-06 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal information 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX This personal information is incorrect, please remove it from my credit report immediately. 
Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX TX , XXXX, XXXX- This account is being reported inaccurately, please remove from my credit report immediately. 
Inquires Please remove the following as they were not requested or authorized : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief