vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In accordance with the FCRA, Shellpoint Mortgage Servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX ) has violated my rights : 1 ) Under 15 USC 1681 Section 602, consumer reporting agencies must exercise grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

2 ) Under 15 USC 1681 Section 604a, Section 2, consumer reporting agency can not furnish an account without my written instructions.

3 ) Under 15 USC 1666b, 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 1637b is mailed or delivered to the consumer not later than 21 days before the payment due date.

4 ) Under 15 USC 1681 - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing 5 ) Under 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - Under the CARES Act, if a furnisher/creditor makes an accommodation because you were affected by COVID-19 during the covered period, that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.

Additionally, Shellpoint Mortgage Servicing has engaged in deceptive and predatory lending practices by 1 ) attempting to force me into a loan modification, a higher interest rate and a higher monthly payment as a means to avoid foreclosure 2 ) failing to disclose the option of the repayment plan as a means to avoid foreclosure and 3 ) intentionally delaying both the loan modification and repayment plan processes.

As such, Shellpoint Mortgage Servicing has continued to violate my rights, violate my privacy, incorrectly reporting late payments and disclose information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is about the XXXX time now where Capital one is removing my XXXX XXXX  account from making payments, I keep trying to add my card and it is saying it has hit a snag. There is nothing wrong with my XXXX XXXX account, I have provided capital one documentation needed proving this is a correct account and this keeps on happening where online banking removes my payment access from this account. I am getting furious having to attempt to contact them, and them not knowing what to do or who to contact on their end to resolve it. I need this fixed for both my credit card account and money market account, as those both accounts removed my XXXX XXXX account resulting in me not being able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681XXXX, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Accounts : XXXX XXXX XXXX  XXXX, XXXX SELFREPORTED XXXX XXXX, XXXXXXXX SELFREPORTED XXXX *******, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX******************* ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax, XXXX, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Accounts : XXXX XXXX XXXX XXXX, XXXX  SELFREPORTED XXXX XXXX, XXXX SELFREPORTED XXXX *******, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX******************* ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry XXXX, XXXX Inquiry Date XX/XX/XXXX and EQUIFAX XXXX XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2024-03-07 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: SC

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 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Requested that JPMCB AUTO provide debt valuation and they have refused. 

JPMCB AUTO XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
MOHELA is reporting the wrong account balance on my account since XXXX. They have not rectified this issue. It appears that they are reporting an erroneous loan amount of {$28000.00}. This has more than doubled my actual amount owed. There are no callbacks. The wait time is nearly an hour with multiple disconnections. There is not a customer service rep, supervisor or manager working on this issue since I first reported in XX/XX/year>. There is no continuity of service. My problem must be started from the beginning with every customer service person that answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credir Bureau is reporting XXXX incorrect addresses on my credit report they are a follows : XXXX XXXX  XXXX XXXX XXXX, TX XXXX second address : XXXX XXXX XXXX XXXX, TX 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true.

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 2024-03-07 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: AL

Complaint narrative:
On XX/XX/2024 I sent a certified letter to Transunion Credit Bureau requesting that they update my personal information ( see attached ). The certified letter was delivered to Transunion on XX/XX/2024. On XX/XX/2024 I received a copy of my credit report with no update to my personal information. I am filing this complaint based on no automatic investigation performed by the credit bureau in updating my personal information and failure to comply with FCRA regulations.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

This was clearly a billing error made by XXXX XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


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

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

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

I have requested proof that this information was mailed or delivered 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! I demand that they 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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was originally contacted by Transworld Systems Inc. a debt collection agency in XXXX of 2023 informing me that XXXX XXXX submitted a bill for {$460.00} to their agency that I owed. 
In XXXX of 2023 I will still in a dispute process with my credit card company which Is XXXX and their bank is XXXX XXXX for the amount of {$460.00}. I informed Transworld Systems in XXXX of 2023 by certified letter that I was still in the dispute process with my credit card company and if I lose my dispute I will pay the {$460.00} to my credit card company. 

XXXX XXXX should have never sent their charge of {$460.00} to this collection agency before the dispute process was settled with my credit card company. As a result of XXXX XXXX sending the amount of {$460.00} to this collection agency XXXX XXXX is attempting to collect twice on the amount of {$460.00}. 

A XXXX XXXX representative told me that XXXX XXXX was already paid the amount of {$460.00} in XXXX of 2023. If I win my dispute which I definitely should because I provided irrefutable evidence from a third party contractor as XXXX XXXX requested. This XXXX year veteran third party contractor verified that the temperature of my refrigerator remained at 55F and the cooling issue of my refrigerator was not fixed after XXXXXXXX XXXX technician installed a refrigerator compressor in XXXX of 2023. 

The representative told me that if I prevail in this dispute then XXXX XXXX will charge back the amount of {$460.00} from the bank XXXX XXXX. 

The Transworld Collection Agency is attempting to collect the amount of {$460.00} a second time because as I stated I will pay XXXX XXXX the amount of {$460.00} that XXXX XXXX charged for not repairing my refrigerator. I also sent XXXX XXXX a copy of the bill of the new refrigerator I had to buy as a result even though my XXXX refrigerator was only 5 years old.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove these deceptive accounts from my credit report as I never authorized their use. Kindly eliminate this incorrect account.

Company response to consumer: Closed with explanation