vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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:
I was shocked to discover unexpected errors on my credit report this morning. I review my report frequently, and this was the first time I noticed discrepancies I cant explain. I tried refreshing my browser, hoping it was a simple mistake, but the inaccuracies remained. I urgently ask that my documents be reviewed thoroughly so I can avoid ever facing this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I Should have Received a 1099c form which I Never did? as the Debt has Already been Paid Off by the Creditor and Now has a XXXX Balance : {$0.00} which is Not Reflecting on My Report and Should be Removed Immediately!!! ..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TN

Complaint narrative:
I received an email from a company called Chime and it stated that I had a bank account and its been used since XX/XX/year>. I never set this account up so I thought it was an error. I called them and told them they accidentally put my email address down on someone elses account and theyve also sent out an email to me with that persons account number and routing number, they told me that it was set up in my name and that I needed to file a police report or report with the FTC to get this removed in the account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
I called Experian on XX/XX/year> to dispute a Hard Inquiry from " XXXX XXXX '' on my credit report. I had attempted to call the number they had listed for the company that performed the hard inquiry, however, the number they provide does not allow consumers to speak with a live human and automatically hangs up. After advising the Experian representative that I was unable to get in touch with the company, however, I never authorized them to perform a hard inquiry, the representative simply stated that by law the inquiry was to remain ( even though unauthorized ) for 2 years. I asked to speak with a supervisor, however, none were available to speak with me. The representative could not give me another way to contact the company that performed the hard inquiry, and would not open a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have communicated with New Rez / Shellpoint over the summer about about setting up reoccurring weekly and/or biweekly payments and requested a start date. At first, the representatives set up weekly payments advised me that I needed to mail in a form authorizing the weekly withdrawals, which I did. 

I then called to confirm and another representative told me that New Rez / Shellpoint does not do weekly payments, instead they do biweekly payments. I cancelled the weekly payments that the previous representative set up because the payments were considered incomplete and would not be applied to interest or principal. 

I then mailed and uploaded the biweekly payments authorization to commence on XX/XX/XXXX. The payment was not withdrawn and when I called, the representative told me it takes one month to commence the biweekly withdrawals. 

I then called on XX/XX/XXXX, and the representative told me that there is no record of my form being uploaded on the Newrez XXXX Shellpoint portal ; that no biweekly payments are set up ; that I need to send in the form again ; and that it takes 48 - 72 hours to process. The representative confirmed that my account shows all of the calls and attempts to set up this weekly payment schedule. 

All I want is to set up equal weekly payments to pay off my loan quicker instead of making one monthly payment. I have been able to make in progress with Newrez/Shellpoint, and my account is up to date because I continue to make my scheduled monthly payment at the beginning of every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
Approximately XXXX weeks ago I contacted Concora Credit Inc., regarding XXXX XXXX XXXXXXXX XXXX Destiny Mastercard application, to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with XXXX, XXXX, and XXXX. As of today, XXXX XXXX Bank has yet to make the appropriate updates by deleting the records from my credit reports for XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 2024-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: MS

Complaint narrative:
I am in contact with XXXX XXXX XXXX again. I am waiting for their response. I would like to resend the {$1600.00} returned to and make another payment of {$800.00} on the XXXX of this month. 

I am serious about getting this manner handled. Could you please ask for this company to work with me so that we both can be happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I own and operate a small family business in California. On XX/XX/year>, we became victims of identify theft and bank wire fraud where the attacker posed as a Citibank fraud prevention supervisor and called from the Citibusiness phone line and was able to gain access to XXXX of my bank accounts ( XXXX personal and XXXX business ) and send XXXX wires to XXXX different banks in Florida in a single day. They hacked my phone and had it forwarded to their number so that they could impersonate me and fraudulently authorize the wire transfers. My husband and I never received any phone calls, emails or text messages with any alerts. My wire activity in our accounts is minimal and never more than $ XXXX, yet Citibank allowed XXXX wires upwards of {$700000.00} to be drained from all three accounts in a single day. It's everything we have to run our small business and support our family of XXXX. I am working with Citibank to recover the funds and have filed reports with XXXX XXXX XXXX XXXX Department, XXXX, Federal Trade Commission, FBI and XXXX XXXX. Every day that passes the likelihood of recovering our life savings will diminish significantly. I am seeking any help that I can get. My family and I are devastated.

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 monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am unfamiliar with this agency, as I have never entered into any agreement with them. I requested evidence of an assignment contract or any documentation that I have signed any agreement with this company. I have not been supplied with any proof under the doctrine of Estoppel by silence, Engelhardt v. Gravens ( mo ), 281 SW 715, 719, I assumed no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 2024-11-05 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: TX

Complaint narrative:
My credit report contains errors showing late payments that dont reflect my usual history. Please correct and update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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.

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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what Credit Collection Service is reporting {$800.00} collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Credit Collection Service, in direct violation of the FCRA. Last month, I have discovered that the Credit Collection Service fraudulent account. I need proof of a wet signature of an application w/ Credit Collection Service and proof this is a credit transaction w/ Credit Collection Service ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. Credit Collection Service accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This is hurting me as I am in the process of obtaining credit and purchasing a home. Please remove the fraudulent account 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 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Q card which is QVC 's card through Synchrony bank. I made a purchase on the card taking advantage of their easy pay plan which bills the card in interest free payments. I received my bill with the first amount billed which was correct. Then I noticed a fee of {$1.00} for receiving a paper bill. I have had this card for several decades. I never received any notification that unless I used E statements there would be a fee. I talked to a representative at Synchrony Bank who was no help and would not remove the charge. I did sign up for XXXX statements since but probably won't use this card again. 

The statement was received around XX/XX/XXXX. It is due XX/XX/XXXX. My easy pay payment was {$32.00}. I was billed {$34.00} which included the {$1.00} fee. Since the representative at Synchrony Bank would not remove the fee. I paid the total amount on XX/XX/XXXX through my on line bank. 

I realize it was only {$1.00} but these fees add up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in XXXX, XXXX, AND XXXX to be removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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 am writing to request the immediate blocking and permanent deletion of several fraudulent accounts and inquiries on my credit report. I am a victim of a recent data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file. As per my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting that these items be removed.

Below are the details of the fraudulent accounts and inquiries : Fraudulent Accounts XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$68.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$450.00} XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$66.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$420.00} XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$11000.00} Unauthorized Inquiries XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
This complaint addresses TransUnions repeated non-compliance with the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to complete my disputes within the 30-day period required by the FCRA and has not provided sufficient documentation to justify its verifications.

Key Issues : Extended Investigation Time : TransUnion has not completed its investigation of my disputes within the mandated 30-day period.

Inaccurate and Inconsistent Reporting : Despite another bureau removing the same disputed accounts, TransUnion continues to report them as verified without supporting documentation.

Failure to Provide Verification : TransUnion has verified disputed items without furnishing any documentation to demonstrate a thorough investigation, violating my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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