vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-03 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TransUnion has not fixed their website to freeze/unfreeze credit in YEARS. Many people also having this problem if you XXXX it. Reps have either refused to acknowledge this or have said they are aware and not working on the problem. 

Phone ( automated ) option had worked up until recently. It now does not accept any input of a " future date '' to start/stop a freeze. This is an instant option with the other XXXX. Even when the phone option did work it was not secure because any identity thief would already have the information to thaw a freeze. 

Very suspicious that this has been for years and they are blatantly ignoring it. I feel it's our right to have control over our credit at any point in time. They offer no other options to control freezes

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 2024-09-03 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: GA

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. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and Equifax continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that XXXX XXXX submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to XXXX XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet Experian, XXXX, and XXXX continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that XXXX XXXX submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to XXXX XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response

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 2024-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
At the time of a new home purchase, I was new to this process and a mortgage broker encouraged me to get 80-10-10 financing of the property whereby 80 % was financed via a fixed-rate 30-year mortgage, 10 cash down, and 10 HELOC. I am writing you about the HELOC, which was serviced by Specialized Loan Servicing ( SLS ). Recently the HELOC was sent to XXXX XXXX. The principal borrowed for this HELOC was {$23000.00} and the term was 20 years. Upon the debt 's transfer to XXXX, I learned from XXXX that the debt is still around {$30000.00}, meaning over the course of 20 years *not a single XXXX toward paying down the loan was applied*. I had been paying SLS {$190.00} for 20 years and the only time I was ever contacted by them was to notify me that there were times when the payments were late. The required monthly payments were made, but there were times when the date it was posted due to ACH were not aligned with the due date, In these cases and when notified by phone or when logging into the account, I had corrected these with massive payments of accumulated late fees and penalties of {$1200.00} or more dollars. I think I even paid them more than {$2000.00} a second time. How is it legal, possible, and not usury for SLS to have been servicing this loan and me paying monthly for 20 years and not a single XXXX going to principal? I am actually embarrassed that this happened to me. It was my first and only time buying a home, but I never considered that the loan servicers used my monthly payments toward anything but paying down this loan. I want restitution from SLS. XXXX is asking me to borrow {$30000.00} at the worst time to do so, with high interest rates for borrowers. SLS has no right to be in business and I would like restitution in the form of the entire principal balance plus interest because I believe their practices fall under usury, are predatory, and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My credit report showed negative in XXXX from Capital One. I closed my account in XX/XX/2024. There is always a {$0.00} balance when I checked to make sure the account is XXXX out. 
However, there is an amount for {$120.00} on the closed account that is being reported to my credit report. with a {$0.00} balance when I login. If I try to select pay amount says no charges account closed. I contacted Capital One they said I didnt owe anything, but refuse to send me a letter or email stating {$0.00} charges. I asked that the charges be removed if my credit report along with a letter/email for clarification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a credit card in the mail from MattressFirm/Syncrony XXXX  with a letter telling me to activate the card. I never applied for the card and don't want it. I called the customer service number and told the representative that I never applied for the card and that I wanted the account closed. If an application was made, it must have either been done fraudulently or illegally by Synchrony.

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 2024-09-03 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 2024-09-03 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: FL

Complaint narrative:
I recently reviewed my XXXX XXXX and noticed several late payments still appearing on an account for which I was never late. 

The account is for XXXX  XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. 

Again, I have never been late on payments for this account. 

Please investigate this matter immediately and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand that these payments be updated to " On Time '' as they should be. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have been attempting to liquidate this property since XX/XX/XXXX. Select Portfolio Servicing Inc. knows this, as I have made them aware of my intentions to sell the property. I obtained a contract on XX/XX/XXXX. The sale fell through because SPS continued moving forward with foreclosure action, and the buyer believed the deal was insecure. I wanted to let you know that I expressed the need for a hold on account of the foreclosure action ; however, it happened a little too late, and the buyer canceled the purchase contract. I had to locate a new buyer, which took me some time. I let SPS know that the intention was still to sell the property and actively try to complete the contract 's ratification. SPS, however, has been hell-bent on foreclosing on my property. They know I am a senior citizen with limited resources going through a very difficult time and separation. SPS is attempting to take advantage of this situation and steal my equity by foreclosing on my home. I have had a ratified contract since XX/XX/XXXX and have provided this to SPS. SPS stated they would cancel the scheduled foreclosure sale date of XX/XX/XXXX so that the ratified purchase contract can go to settlement on XX/XX/XXXX. This sale would pay off SPS and allow me funds to help support myself in my senior years. PLEASE HELP ME!!! Don't let SPS take advantage of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-03 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : 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