vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding an incorrect balance and late payment report by Midland Mortgage, which has adversely affected my credit report. 

On XX/XX/year>, Midland Mortgage reported a balance of {$2600.00} on my mortgage account, which was incorrect. The actual amount owed was {$1900.00}, my regular mortgage payment. This discrepancy resulted from Midland Mortgages inadequate distribution of my funds, leading to an inflated balance.

Despite my efforts to resolve this issue, Midland Mortgage did not provide an option to pay the correct amount of {$1900.00} online. The only option available was to pay the incorrect amount of {$2600.00}, which was beyond my budget at the time. 

To address this, I utilized XXXX through my bank, XXXX. Unfortunately, this process took longer than expected, and Midland Mortgage did not receive my payment before XX/XX/XXXX. Consequently, Midland Mortgage reported my account to XXXX with the incorrect balance and a late payment for XX/XX/year>, which has negatively impacted my credit report and score. 

As of XX/XX/year>, my account was current. Currently, I am approved for PAHAF, and my account is even beyond current. I do not owe anything until XX/XX/year>. 

Midland Mortgage did not report this so-called late payment until today, and I believe it is a retaliatory attempt to intimidate me after I submitted an initial CFPB claim about them yesterday. 

This situation has caused significant distress and financial inconvenience. I request the CFPB to investigate this matter and ensure that Midland Mortgage removes the incorrect late payment report for XX/XX/year>. Additionally, I urge the CFPB to ensure that my account status is updated with XXXX to remove the negative impact on my credit report resulting from this error.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need tho appeal Case update : XXXX Transaction ID : XXXX Transaction amount : {$100.00} USD Recipient email : XXXX Because I disagree with the decision its is fraudulent and unauthorized I didnt send the payment I want yall to reopen it or reinvestigated it or make a new dispute for it or change the dispute type for it or give me a credit for {$100.00} to my PayPal balance or investigative it again etc account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I've reached out to Experian numerous times throughout the years, in the beginning of last month of XXXX I sent them 2 letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. Experian is not complying with their own policies in a timely manner is also a problem for me.

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Why did u steal from me? I uploaded proof it was paid before they went to court. Send me the money u stole from me. Why is my account still open and why is it still collecting interests. So basically your still trying to steal from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 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: FL

Complaint narrative:
I did not allowed fraud alert on my credit file

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
there's an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing for a while now. Kindly remove the following : XXXX XXXX date opened XX/XX/scrub> 2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I had a transaction for {$120.00} sent to a CashApp account I no longer use. I havent used that account since XXXX. I currently use a CashApp which is similar to my old account. I no longer have any information on that old account. I called CashApp to explain what happened that it got sent to the wrong account and if they could transfer the money from that old account to the new one. They explained they had no way of doing that and to contact the sender to cancel. I did that, but the sender could not cancel as to the transaction was already completed on their end. I called CashApp back and asked what other way I could get this resolved. They went on to say, the transaction had been completed and without me not having any verifying information I could do myself to get into the account theres nothing that they could do. They were able to verify who I was on both accounts, but refused to make the transfer to the right account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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 recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : 1. XXXX XXXX, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation. 

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up. 
2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

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 2024-06-28 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: MN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: MN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-28 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:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ, XXXX Incorrect XXXX : - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX  XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I called each of these credit agencies ( XXXX, XXXX, Trans Union and XXXX ) to get old addresses removed from my credit reports. Each of these agencies reported they are unwilling to remove my old addresses. My current address for the last four years is XXXX XXXX XXXX XXXX, XXXX, MO, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
For over two weeks I have been attempting to file a successor of interest modification for my loan. My ex is off the title, I have been making payments by myself for 5 years, the deed of trust has been fully reconveyed. I submitted divorce decree, property settlement, quit claim deed, record of reconveyance to Newrez. All I want to do is remove my ex 's name from the mortgage. 
XXXX XXXX XXXX, mortgage consultant, informed me that I would have to submit an assumption of the loan. My loan is not assumable. He told me the only way to remove my ex from the mortgage is to refinance. 
XXXX Servicing department told me a successor of interest can only be submitted when a borrower has passed away. 
XXXX XXXX XXXX told me they had to get my file over to assumptions, that an assumption was the only way to do a successor of interest. 
XXXX Supervisors XXXX XXXX don't have last name ) ( servicing ) and XXXX XXXX ( loss mitigation ) communicated that a successor of interest can only be done in cases of someone on the loan passing away. I quoted guideline from CFPB Definitions 1024.31 line 4 that spells out successor of interest may be used in cases of divorce. Both were convinced that I was reading the regulation incorrectly, and that a refinance is the only way to remove my ex from the mortgage because the loan was set up between the loan company and the two of us.

There are at least 2 different occasions I talked to newrez employees who were convinced that a successor of interest is only for cases when a borrower has died, but I didn't log the date and time of those calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MA

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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
Consumer complaint received 2024-06-28 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: TX

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 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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-28 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Someone used my information to open a credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XXXX, XXXX under the account number ( private ), an credit card account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number ( private ), a Credit Card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX  on XX/XX/year> with a balance of $ ( private ) and a credit card account with XXXX XXXX XXXX  opened XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The loans was taken off I had a XXXX XXXX The loans was over 20 years. 
US education has taken the loans off but the loans is still showing in my score making my score like XXXX, I can't buy anything on my loans scoree my score is horrible I need this to loans taken off I'm immediately

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