vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I reviewed my consumer reports and noticed that there are collection accounts listed that do not belong to me. Consumer reporting agencies have an important responsibility to report information with maximum accuracy. I do not owe anyone, and I have included a screenshot with this complaint regarding XXXX XXXX. 

Please investigate this matter and provide proof, including statements verifying the collection accounts. If you can not provide such proof, I demand that these items be removed from my credit profile immediately. 

Thank you! Please see the attached screenshot.

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 2024-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Insurmountable attorneys fees were applied to my mortgage in addition to fraudulent other fees, with refusal to specify these fees individually. Monthly mortgage payments for at least 3 months collected twice but deducted from my mortgage once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: LA

Complaint narrative:
I noticed discrepancies in my credit report regarding late payments. These errors do not align with my usual payment record. Kindly fix these mistakes and update my account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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 not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXXl presume that no proof of the alleged debt. no therefore, any such debt in fact, therefore exist ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$530.00}, please remove these fraudulent inquiries. 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXXl presume that no proof of the alleged debt. no therefore, any such debt in fact, therefore exist ( please remove these accounts before I see litigation for defamation of character. ) XXXX  XXXX balance {$530.00}, please remove these fraudulent inquiries. 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 XXXXXXXX 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 2024-12-26 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: DC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 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 to be updated.

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 TRANSUNION 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!

Update 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 2024-12-26 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: DC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 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 to be updated.

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 EXPERIAN 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!

Update 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 2024-12-26 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: CO

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated 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 2024-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
In XX/XX/scrub> 2024, I filed a formal complaint with the CFPB regarding my student loan with MOHELA. MOHELA continues to take my auto debit payment every month but refuses to post it to my account after my loan transferred in XXXX of 2024. It took 90 days for my XX/XX/year>2024 payment to post. Now my account is showing past due because they refuse to post payments to my account. They will also not answer phone calls, have extremely long wait times, have incompetent staff who are rude and do not listen. This is my second formal complaint with the CFPB against MOHELA. I need this issue resolved. I shouldnt have to worry about if my payment is posting every single month due to their error and it is illegal to take 90 days to post payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: LA

Complaint narrative:
Later XXXX / Early XXXXXXXX XXXX XXXXXXXX a notice was sent to me by Sunlight Financial regarding a new payment system they were going to have moving forward. It said no action was needed by me and the loan would be transferred to the new system. XX/XX/XXXX the new loan was transferred to the new system. I received a bill and the bill set it was setup for auto pay so I didn't worry about it and moved on. 

Around XX/XX/XXXX I got a notice from my bank saying my credit score had dropped about XXXX points and needed immediate action. I looked into it and saw that I had 2-3 missed payements from Sunlight Financial. I immediately started pulling statements and noticed everything was correct on the statement INCLUDING that the amount would be debited from my account for each billing cycle.

I contacted sunlight and they did some research and apparently their was an issue transferring my loan to their system. They waived the two months of fees and I made my monthly payment.

The issue was that I was two months behind. I have gone back and forth with Sunlight since then saying that I want them to post my two payments for the two months that THEY missed so I would not have two months of interest.

I have paid each month manually ( even though my statement still says autopay enabled ) since the incident and have continually reached out to them with no luck. The latest agent, XXXX, was fantastic. She said she was going to get everything adjusted and get back to me. This was in XXXXXXXX XXXX XXXXXXXX. ( Yes, a year after their screwup ) XXXX emailed me on XX/XX/XXXX saying " Hello XXXX, Just wanted to reach out and assure you that your issue is being addressed and I collaborating with others regarding our conversation. Please allow me more time to work on this. Thank you, XXXX '' I have since replied twice and got no response. This have changed my credit score, it's made me unable to get a new credit card because " I'm in collections/ have issues on my credit score '', etc. I'm over it. This should not be allowed. My credit score is not a game for Sunlight Financial to play with. Please let me know what documentation can be submitted so we can get this fixed. Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX  ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX  ] Also requesting payment ledger ( XXXX XXXX  ) and records of communication if applicable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX, Equifax Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX XXXXXXXXfrom XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX we deposited into our savings account ( at a Capital One branch ) a check for {$75000.00}. This made our savings account balance around {$80000.00}. 

Sometime in early XXXX a restricted access note was added to our account with a note advising us to call an XXXX phone number. When I called, the representative said that there was a problem with my husband, XXXX  identification information. I was instructed to fax or mail a copy of his drivers license. I faxed a copy of his license as requested. Within about 2 weeks the restriction was lifted and we had access to our account again. I thought the problem was resolved. 
Soon after our account showed a XXXX balance. Account closed. I immediately called and was told that they had tried to contact my husband via email and because he didnt reply, they closed the account. Capital One never once contacted me, XXXX about this issue. We never received the check. I have called many, many, many times. It was escalated to managerialstatus but we still have not gotten our money. I was told the following XXXX. On XX/XX/XXXX You must wait 10 days for check. Did that. It never arrived. 
XXXX XXXX XXXX ( Manager ) told me I must wait 2-3 business days for them to stop payment of check. Then they will reissue a check and send it via XXXX XXXX. 
XXXX. On XX/XX/XXXX Manager XXXX told me the same as XXXX. 
XXXX. On XX/XX/XXXX Manager XXXX was the most helpful and escalated the complaint to the Bank Closure Team. He said I should have an answer by XXXX the same day XXXX. On XX/XX/XXXX at XXXX I spoke to XXXX who told me I now need to sign an affidavit and once that is received it could take up to 90 days for check to be reissued. It will also take 2-3 days to get affidavit via email. 
XXXX. Today is XX/XX/XXXX and I have not yet received an affidavit. 

Capital One has unfairly closed our account and now is making it virtually impossible for us to get our money back. Please help us. I have spent countless energy and time on the phone trying to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received an email from Experian.com regarding " Opting Out '' of sharing personal information for marketing purposes on XX/XX/2024. 

What follows is typical of any corporations false attempts to comply with privacy laws, I have seen it several times before with other companies. A new law gets passed and these corporations pretend to comply by sending you an email to " Opt Out '' but then providing links that do not work expecting the average person to get frustrated and not have time to follow through. 

XX/XX/2024 about XXXX The system tells you to log in, with username and password, and when you try to it tells you they don't have your username in their system, yet if you click " Forgot Username '' they will email you the username that they just said wasn't in their system. Next of course is the password they cant seem to find or the system just reports there was an error while trying to send it you. This is the constant run around they do until you give up and they just go on to sell your data and pretend they never heard from you.

When you do start investigating everything connected to the email via links to Terms and policies you notice things like they never actually mention which law they are complying with so to further keep someone from reporting their violations of it. Any telephone numbers provided absolutely refuse to let you through to a person using clunky automation systems, to provide these criminal companies cover that you never spoke to them.

Contacted both numbers in their policies page around XXXX ( XXXX & XXXX ) and tried multiple times. Phone systems are designed to keep looping you around and telling you to go back to the non functional website pages. Spent an hour doing this.

Again this is a typical repeat of the process these corporations all employ to keep selling peoples personal data while feigning compliance with the law, cause they know people are working hard to survive and don't have time to follow through on it.

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 2024-12-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on 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 explanation
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be 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 explanation
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The account was 180 days charged off on the following date XX/XX/year>. Since then the account has been repeatedly updated every month as 180 days charged off. This is an update in the payment history. After 180 days charged off the account is dead, and should not include a active payment history. The inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
( 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