vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Please provide me the documentation on how you verify that I am late for these accounts

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 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a CFPB complaint number XXXX regarding my mortgage dispute with Shellpoint/Newrez. 

On XX/XX/XXXX The above mortgage servicer filed a motion in court in order to modify my automatic stay. 

In this motion they alleged I owe {$1800.00} for XXXX XXXX XXXX, and one payment of {$1900.00} for a total of {$5600.00}. Additionally they were alleging attorney 's fees of XXXX. I believe this motion was filed in retaliation for filing the CFPB complaint. 


On XX/XX/ Shellpoint submitted derogatory mark on my credit report. 

On XX/XX/2023The Bankruptcy judge granted the removal of the Bankruptcy XXXX XXXX based on the above allegations of shellpoint/newrez. 

The company 's response the the above complaint relates that the company submitted a response regarding my loan modification to my bankruptcy attorney. However, My bankruptcy attorney indicates they did not receive any mail from them regarding the alleged correspondence in their response to my complaint. 

In the previous complaint I alluded to this company being a predatory entity. They are predatory in that they seek Bankruptcy accounts and rack up fees when you do not notice by weaponizing the CFPB and Bankruptcy rules to do so. For example their alleged letters say their loan modification is " streamlined '' but it is not based on the actions of this company is strictly for show so that " on the face '' no one sees their violations of CFPB rules and regulations and they can not dig deeper into the matter. The company seeks these bankruptcy accounts because they are in bankruptcy, who's going to believe those account holders??? I have a strong belief shellpoint tell the attorneys for these accounts " you guys want your attorney fees? you better go get them! '' The more games they play by making this mortgage company save money by screwing over the consumer and saving them money the more they get paid. Regarding the Bankruptcy rules. The no contact rule for collection actions is supposed to be a protection for the consumer. Shellpoint weaponizes this by pretending they are stupid and saying " Oh we can't contact you, so when when have to respond to a loan modification we will say we sent it to his attorney. We will win because you are in bankruptcy. '' That is just one example of the nonsense these people are getting away with and who knows how many people they are doing this to as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate information on an account and inquiry that I never made. The following account does not belong to me : 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 2023-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
On XX/XX/2023 I had issues checking my balance and payment history using Cash 1 phone app and it was after normal business hours, so I called them the next day to discuss my loan. I requested a copy of my contract with loan terms and am puzzled as to why I have consistently been making payments of {$250.00} every two weeks and my balance remains close to {$3000.00}. None of my payments have been going towards the principle for almost a year. Also discovered Cash 1 has been submitting payment requests to my bank account ending XXXX 1-2 days prior of the due date, which is causing issues to my account. This gross mishap has taken place previously but definitely happened on XX/XX/2023 which is prior to my actual payday. I find this very unethical. Also because of the balance never going down, I can no longer afford to continue these high payments. The payments of this loan are higher than the Nevada payday loan limit per my income. Nevada limits payday loans to 25 % of their income and for some reason it is way over that regulatory limit. I request ( 1 ) a Cease and Desist of all collection activities until ( 2 ) a complete audit of my loan has been performed. ( 3 ) New affordable Loan terms are created to match my monthly income or ( 4 ) an agreeable settlement offer to conclude this loan or ( 5 ) if this loan has been found to misrepresent the terms and is deemed " predatory '', then the loan should be rescinded and brought to a XXXX balance, and no longer leaving me liable for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: VA

Complaint narrative:
XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: UMB FINANCIAL CORPORATION
State: MA

Complaint narrative:
This complaint is for my HSA. On XXXX XX/XX/2023, I left the company I used to work for and they closed my HSA account. The HSA was transferred to UMB HSA services. https : //myumbhsa.wealthcareportal.com/. On XX/XX/2023 they sent me an email informing me that my HSA account was transferred to them and they will start charging an admin fee of {$2.00}. Additionally, they started sending me paper statements and charged me fees for those as well. 
I called them today ( XX/XX/XXXX ) and the agent informed me that in order to transfer my account out UMB they will charge me an additional fee of {$25.00}. When I told them I never agreed to these fees he mentioned that these fees were in their Terms of Service. And that I automatically agreed to the Terms of Service when I accessed their website. Additionally, if I hadn't agreed to those TOS, I wouldn't have been able to access my money because there is no other way to disagree with their TOS and transfer my money out of the bank. 
They also said this is just a take it or leave it situation and they have no mechanism to waive these fees, and I have provided my tacit approval as soon as they got the transfer of money from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 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.

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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought my car in GXXXX around XX/XX/XXXXXXXX XXXX  new from XXXX XXXX in XXXX. I moved to XXXXXXXX XXXX in XX/XX/XXXXXXXX switched over my car details to XXXX  around that time also. Moved back to XXXX and switched over my car details back to XXXX in XX/XX/XXXXXXXXXXXX XXXXXXXX  I received a letter from the XXXX Dept of Revenue saying the miles on the XXXX XXXX title were incorrect and I needed to submit certified title history paperwork. Since I now lived back in the home state of the car 's original loan origination, instead of going back in forth with the states DMV when XXXX  submitted the title to XXXX  originally, and then XXXX just submitted it back to XXXX when I moved, I decided to pay off my car loan end of XX/XX/XXXX ( wk oXXXX XXXX  ). Final balance was {$2700.00}. I received a notification that it was reported to the credit bureaus that I paid it off. Truist wiped all loan information off my online banking, so I could not even look for past statements or payments. I still have a credit card with Truist, so I still have an active online banking account profile with them. I called on XX/XX/XXXX, spoke to a XXXX about getting a notice of lean release so I could get my title, as 3 months had passed since I paid off the loan with no correspondence directly from them. She gathered the information needed, as well as validated my info and said that I would receive a notarized letter to bring to the DMV within XXXX business days. I have not received the correspondence requested to date ( ~7 weeks since request ), as well as not any other type of communication from them in regards to my ( now ) 5 month paid off car loan. XXXX is when I need to register my car and I need to ensure that this will not disrupt that process as it will affect the use of my vehicle. I need this documentation as soon as possible so I can start the process of getting my title and moving on with my life, and hopefully the relationship with Truist. The reviews online over this lien release process is appalling and scary. It sounds like I am one of many that have to deal with this. They have their money, I am not sure why my paperwork for what I now legally own is being held hostage.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates
State: IL

Complaint narrative:
My name is XXXX XXXX i informed XXXX XXXX XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX  but XXXX  is still reporting it on my credit reports XXXX  and XXXX  removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Please provide me the documentation on how you verify that I am late for these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
Experian has been reporting the following account that XXXX XXXX XXXX XXXX is providing falsely XXXX XXXX XXXX XXXX has the following account as Charge-Off account {$29000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. Experian is not an affiliate of XXXX XXXX XXXX XXXX. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/23, I opened a complaint against Equifax for not allowing me to manage my credit freeze online. On XX/XX/23, Equifax closed the case without resolving my issue. As of now, I am still unable to freeze or unfreeze my credit file as needed. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX

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