vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, Complaint ID XXXX, XXXX XXXX Theycan stop/cancel the foreclosure sale/foreclosure auctionanytime they want.and They can dismiss the case like XXXX XXXX. 

Pleasesee their UNLAWFUL loan documents and their UNLAWFUL Act. 
Primary Residence Property Address : XXXX XXXX XXXX, XXXX, MD XXXX 1.  The loan documents include the compound interest for 11  months and about {$100000.00} construction hold put that into the interest.Those violate the law.There are Rules and Regulations for those lending violations. 
2. Appraisal Unlawful Act : Not only intentionally alter the Appraisal Value in the Loan documents and knowit and refuse to provide the Original Appraisal Report for the loan documents.Also come up with another Appraisal which tries to stage the amount closer to the amount in the loan documents and the value is outrageously low. 
3. There is no more loan extension with XXXX or XXXX  after last XXXX.After that document, there is NO loan document modification or NO forbearanceor NO loan extension I signed .If there is such a document, and asking and sending the statements for the unsigned payment agreement, That document would be FOGERY and UNLAWFUL statements. 
4.When there was a mediation in XX/XX/2024, XXXX XXXX from Shellpoint/ Newrez came to the mediation. He said they will consider to provide for 30-40 years loan. That guy is nowhere to be found. They asked me to send the financial documents to their attorney like tax returns and many financial documents since XXXX until XXXX. 
They did that intentionallytrying to take advantage of the financial information and documents. 

5. Before I took the XXXXXXXX XXXX  loan, there was already so much Equity in the House. The Appraisal report value from Reputable XXXXXXXX XXXX  is $ XXXX.Those are my Labor.My Labor as a Homeowner Builder in all loan documents and Labor theft is Unlawful. 

6. When I emailed XXXX XXXX and Presidents, they find the mistakes and try to fix it and dismiss the case last year.

But when some companies intentionally, premeditated, commit UNLAWFUL acts, it has to be corrected.

7. Many Reputable Banks and Many Reputable Lenders and Many Reputable Companies in the U.S, when theyrecognize they find mistakes or Errors, they willingly correct it and take the responsibility.They have High Moral standards. 
They do Not try to stage or fabricate the documents or the scenes or do Not alter the error and deny. 
That is why Top of the Top Countries in the World and Everyone 's dream.

Please take actionagainst Unlawful Lending acts and Please Protect the Homeowners. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD 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 2024-11-02 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence and dispute regarding the fraudulent XXXX account ( Account XXXX : XXXX ) that was removed from my credit report on XX/XX/year>. To my dismay, this account has been reinserted as of XX/XX/year>, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), codified as 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Emphasis on Verification of Information and Rights Under FCRA To further emphasize my rights and Experians obligations, I would like to highlight the following FCRA provisions regarding the verification process and consumer rights : 1. Section 611 ( a ) ( 6 ) - Notice of Results of Reinvestigation Under this section, after completing an investigation, Experian is required to provide the results to the consumer within 30 days. Additionally, you must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information of the furnisher of the disputed data. 
2. Section 611 ( a ) ( 7 ) - Provision of Information upon Request Upon my request, Experian must furnish a description of the procedure used to reinvestigate the disputed item, including any contact information of the furnisher of the disputed information and the method used during the investigation. 
XXXX. Section 611 ( b ) - Reinvestigations CRAs are mandated to conduct a reasonable reinvestigation of disputed information. I am formally requesting the details of this reinvestigation process, including the methodology used to verify the reinserted information.

4. Section 609 ( a ) ( 2 ) - Disclosures to Consumers This section obligates CRAs to disclose to consumers all information in their file, including data used to verify or reinvestigate any disputed items. 

My Rights as a Consumer Right to Receive Investigation Methods : I am requesting a detailed description of the methods and procedures used during the investigation of this dispute. 
Right to Contact Information : Please provide the contact details of the furnisher of the reinserted information. 
Right to Timely Responses : The investigation must be completed within a XXXX period, and I must be promptly notified of the results, as per FCRA requirements.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
I am demanding that this agency deletes all these disputed items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am demanding that this agency deletes all these disputed items

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have been denied a credit card from Barclay 's via email after a hard inquiry on my credit account. I would have never even known about you or this XXXX XXXX XXXX XXXX had it not been for the stewardess aboard our flight to XXXX  DC. The alure of the XXXX flight miles was very convincing. 

However, things have not gone well. I got the email and it referred me to a link to a different site. The statement of denial was seen, but the site has a grayed-out XXXX  is not able to be opened which is supposed to explain the decision. The print option is also inoperable. The page functionality is useless to me. 

Since these options were not available, I did ask for the rationale for denial to be sent to me. But, there is no return email address and the phone number given basically puts you into a loop requiring you to go to the app. However, because I was denied, I don't have access to the app. 

My credit report cites a XXXX value with no missed payments for the last 6 years and yet you chose to deny me for no known valid reason. Now, with a hard inquiry, my score will fall temporarily with no known valid reason. 

Professionally, XXXX XXXX XXXX, MD

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 2024-11-02 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: MN

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed 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 non-monetary relief
Consumer complaint received 2024-11-02 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; XXXX INquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have listed below. 
account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX .This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting if not deleted.

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 2024-11-02 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; Number:XXXX INquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After making arguments about a disputes items being investigated incorrectly and being put in XXXX XXXX for 1 hour I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification XXXX. Received all deletion files XXXX. Received a updated and accurate credit report from XXXX XXXX. Received fraud reports XXXX. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion only admitted to not running disputes at FCRA standard as prev

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 2024-11-02 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: MO

Complaint narrative:
I notice hard inquiries from companies that I never gave my information nor did I give them consent to run my credit nor did I give them my XXXX information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. Here are the inaccuracies I have identified : Account Name : SAIL LLC Account Number : XXXX Reason : Account is settled Instruction : This account was settled with the furnisher. They told me you can contact them to verify this and then you will update it. If you are unable to do so, then remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
account was listed as closed on my credit report and it was sent to collections in 2020

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 2024-11-02 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of accounts and inquiries on my credit report that are associated with a recent data breach. I have become a victim of identity theft, and the fraudulent accounts and inquiries listed below have been recorded on my report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be removed to protect my personal information and credit profile. 
Accounts and Inquiries to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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 am writing to request the immediate blocking and deletion of accounts and inquiries on my credit report that are associated with a recent data breach. I have become a victim of identity theft, and the fraudulent accounts and inquiries listed below have been recorded on my report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be removed to protect my personal information and credit profile. 
Accounts and Inquiries to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XXXX of this year, Synchrony closed my first account to XXXX XXXXXXXX  with no forewarning. It was 8 months since I had used it and was ready to get more XXXX XXXX  done & to my shock, they closed it with a high credit limit. Gone- My credit score dropped a lot due to this I, like probably millions of other had the same thing happened to them, they shut our credit cards off with zero warning. XXXX XXXX never reached out to me, never sent me any email or notification that they were going to close my account. I have other card that if I dont use them for a certain period of time, they gave me the heads up so that I could spend something on it and keep it open. When I found out that it was already closed, I called them & asked them why because I was going to get ready to use it in about a week with a new XXXX I got all kinds of different answers. One lady told me it was because of " lack of real estate ''. what, is this even a thing? Apparently, I don't own a home so that's some excuse they gave me. which is absolutely ridiculous cause I haven't owned a home since XXXX this is the worst company ever that they are unilaterally allowed to just shut off credit cards for no reason and ruin peoples credit. I never was late with them, never missed a payment, I was a good cardholder, and this is how they treat me and millions of others. Now, a few days ago, I am shopping online with XXXX XXXX and go to use my card again, and closed - no explanation, same exact scenario. I call and understandably I am heated. I speak to 3 agents that gave me their Id # 's, a couple reused, one hung up on me. I finally get to a manager, XXXX XXXX XXXXXXXX & what happened, same script- I made him read the letter to me. Same as last- I have student loans ( never late, no delinquencies ). # XXXX on it- no first XXXX. WTH? I made him read that 3 times to me. When is someone not worthy of their credit card if you don't own a home. It was about XXXX} that I lost from my avail credit. I was looking to purchase a home and the drop in my credit score was so drastic from them, I have to now wait until I can get my score up again. I attached the card # for XXXX XXXX- but sleep number was electronic and didnt have a physical card. The letter I attached shows the sleep number information

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