vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have XXXX mortgage loans at XXXXMr. Cooper. I paid the first at their online portal. When I went to pay the second mortgage I received a notice onscreen that my loan was transferred and I was unable to make my mortgage payment. No information was available regarding when or to whom the load was transferred. 

I called the XXXXMr. Cooper customer service number, and when it identified the load in question, the system simply said it was transferred to a new provider and to contact them. It provided no option to find out the new provider 's identity or how to make my mortgage payment, or how to reach a person. The system then hung up on me. 

I had recieved no letter from XXXXMr. Cooper, nor from a new service provider regarding an impending transfer of my mortgage. 

This is an unacceptable position to be in, not being able to make my mortgage payment, or to know the new servicer. XXXXMr. Cooper makes it impossible to reach a human being for issues their system does not address properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I checked my credit report this morning, only to find unauthorized inquiries that I cant explain. There were no issues before, but now Im seeing unexpected discrepancies. Refreshing my browser did nothing ; the unauthorized inquiries remained. This is incredibly frustrating, and I want the documents I sent to be reviewed thoroughly and urgently so I can stop worrying about this mess. Please fix it as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX Secured Party Creditor : XXXX Filing Number : XXXX Respondent : American Express XXXX Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX XXXX secured under XXXX Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name. 
American Express continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt.

This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code.

Relief Sought : I hereby demand that American Express immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor XXXX Filing Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refusing to delete. There response is Enclosed in dispute verified and updated statue of limitation XXXX think we are past that month .that tells me they did not investigate this account, 15USC1692,15USC1692c, 15USC1681,15USC1681i 7-6 all are violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
I disputed the item. I contacted the store. They told me I had to pay to ship the item back. I filed a dispute. PayPal told me I had to Pay to send it back. They offered a voucher not a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In my previous complaint, I explained that Shellpoint took over 60 days to locate my {$20000.00} principal payment, which was wired from XXXX XXXX to Shellpoint with my contact information. By the time Shellpoint finally located my payment, my loan had already been transferred to XXXX XXXX XXXX. 

The new issue pertains to what happened when Shellpoint forwarded the {$20000.00} to XXXX. In addition to sending the correct {$20000.00} payment, Shellpoint erroneously sent a duplicate {$20000.00} payment, effectively

applying two {$20000.00} payments instead of one.

I identified this duplicate payment when it appeared on my account with XXXX on XX/XX/year>. After reviewing the situation, XXXX confirmed that Shellpoint sent two separate {$20000.00} payments, and clarified that this was not an error on their end. However, Shellpoint only has records of sending a single {$20000.00} payment and has no documentation of the duplicate transaction. As a result of this error, my loan balance is now incorrect. 

XXXX has been attempting to communicate with Shellpoints transfer servicing team for over two weeks to resolve the duplicate payment issue, but no progress has been made. I have also called Shellpoints customer service line, but they are unable or unwilling to assist with this matter. Because Shellpoints negligence in ser
vicing and transferring my loan has caused my loan balance with XXXX to be inaccurate, I am currently unable to refinance my loan. I had locked in a refinance rate for XXXX, but due to this issue, I may have to extend my rate lock, which will cost me {$3000.00} every 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the listing of the XXXX XXXX XXXX account on my credit report. According to my records, this account has been submitted for deletion by the creditor, yet it remains on my report. 

I request that you investigate this matter and delete the account immediately, as it does not reflect my current credit situation. I have attached any relevant documentation to support my claim. 

Please confirm the outcome of your investigation at your earliest convenience. 

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 2024-10-15 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: WI

Complaint narrative:
old charged off accounts and collection are inaccurate and i dispute with all 3 bureaus through there websites and they are still reflect on my report keep me from a higher credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
Dear Sir/Madam, I received a copy of my credit report and I do not recognize the following items. I am very worried because it was definitely not me, I hope you can help me. Thank you. 
Below are the items with error : XXXX XXXX XXXX XXXXXX/XX/year> | I never authorized these inquiries. Please delete immediately. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
Dear Sir/Madam, I received a copy of my credit report and I do not recognize the following items. I am very worried because it was definitely not me, I hope you can help me. Thank you. 
Below are the items with error : XXXX XXXX XXXX XXXXXX/XX/year> | I never authorized these inquiries. Please delete immediately. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am filing this complaint to dispute the reporting of a charge-off from POSSIBLE FINANCIAL, account number XXXX, ** on my credit report. I believe this information is inaccurate and/or unverifiable. As per the Fair Credit Reporting Act ( FCRA ), I have the following concerns : Inaccurate Reporting ( FCRA, Section 1681c ( a ) ( 4 ) ) : The charge-off from POSSIBLE FINANCIAL appears to be incorrect. Under the FCRA, credit information must be reported accurately, and charge-offs should not remain on my credit report for more than seven years from the date of the first delinquency that led to the charge-off. I believe this charge-off has exceeded this time limit and should be removed.

Lack of Verification ( FCRA, Section 1681i ) : I have disputed this charge-off and requested verification from POSSIBLE FINANCIAL and the credit reporting agencies, but no sufficient documentation has been provided to verify the debt. As mandated by the FCRA, if the creditor can not verify the debt within 30 days of my dispute, the charge-off must be removed from my report. 

Failure to Correct Inaccurate Information ( FCRA, Section 1681s-2 ) : POSSIBLE FINANCIAL, as the furnisher of this information, has a legal obligation to report accurate data to the credit bureaus. Since this charge-off has been reported inaccurately, I am requesting that it be corrected or removed in compliance with the FCRA.

I am requesting your assistance in investigating this matter and ensuring that the inaccurate charge-off from POSSIBLE FINANCIAL is either verified or promptly removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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 this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MA

Complaint narrative:
Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) and a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of these inaccurate late payments have resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) has CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT XXXX, XXXX, & XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX # XXXX have been in the XXXX  XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I Submitted a dispute for a credit card Account beeing opened up in my name due to fraud, I sent it by way of USPS mail servis. To : Discover Bank # XXXX, they never responded back. But yet this bank has put this balance on my consumer report. Had this company Done their due diligence and answered my dispute they wouldve have seen Ive been in the XXXX  XXXX XXXX XXXX since XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order company of to answer this complain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
I dispute the validity of all claims regarding the account on my credit report CONCORDE AUTO MGMT SER XXXX. According to TX law and UCC 9.506, no deficiency can be claimed unless all required notices were provided and redemption or cure periods honored. 

The following was never provided to validate and prove that the repossession followed UCC regulations : 9-506 : Effect of Errors or Omissions 9-611 : Notification Before Disposition of Collateral 9-612 : Timeliness of Notification 9-613 : Contents of Notification Provide copies of all notices and evidence that the resale was conducted in a commercially reasonable manner. 

If documentation is not provided within 15 days, the deficiency claim will be deemed null and void, and continued reporting or collection will constitute violations of the FDCPA and FCRA. I demand the immediate removal of this account from my credit report. 

Furthermore, this account was charged off but later settled, and I have yet to receive the required 1099-C form. Failure to provide this form constitutes tax fraud, as required by the IRS for debt forgiveness reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), you are obligated to ensure that all information reported is 100 % accurate. Since this account does not meet that standard, I am demanding its immediate removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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