vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-06-30 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: EQUIFAX, 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. 

The letters are stated with items and issues. 

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 2023-06-30 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: OH

Complaint narrative:
I sent a certified letter to Equifax to dispute fraudulent inquiries on my credit profile. My dispute letter included an FTC report. My dispute letter was ignored by Equifax. I later submitted a complaint with the CFPB on XX/XX/XXXX. Equifax responded to my complaint on XX/XX/XXXX stating that the fraudulent inquiries were deleted from my credit profile including the inquiry from XXXX XXXX. As of today, XX/XX/XXXX all inquiries were deleted except the inquiry from XXXX XXXX. I have contacted Equifax for the past month about the removal of the inquiry as stated in their response to the CFPB, but they have yet to remove it with no further explanation. I have filed numerous disputes and provided an FTC report. Equifax has failed to do what they stated and this has continued to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries

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 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against NewRez LLC XXXX a mortgage servicer, for potential violations related to interest accrual and reporting practices. It has come to my attention that NewRez may be increasing the unpaid principal balance ( UPB ) during the forbearance ( FB ) plan period, resulting in an inflated interest-bearing amount and interest accrual on interest. Furthermore, NewRez has been consistently reporting an increased principal balance to the credit bureaus on a monthly basis. I believe these practices are in violation of applicable regulations and guidelines. 

I assert that NewRez, as a mortgage servicer, is not capturing the delinquent interest accrual separately, increasing the note amount. This, in turn, raises the interest-bearing amount, leading to interest being charged on interest. Such practices may be in contravention of the rules established by relevant regulatory bodies, including the Federal Housing Finance Agency ( FHFA ) and the Consumer Financial Protection Bureau ( CFPB ). 

In light of the above, I kindly request the following actions to be taken : Investigation : I request that the CFPB conduct a thorough investigation into NewRez 's interest accrual and reporting practices during the forbearance plan period. The investigation should assess whether NewRez is increasing the XXXX XXXX XXXX, leading to an inflated interest-bearing amount and interest accrual on interest. 

Guidance : I recommend seeking clarification from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX or the CFPB regarding the permissibility of increasing the principal balance during the forbearance plan period. It is important to establish clear guidelines and standards for mortgage servicers to prevent unfair and deceptive practices. 

Reporting Accuracy : I urge the CFPB to address the issue of NewRez reporting an increased principal balance to the credit bureaus on a monthly basis. This reporting may misrepresent the true financial status of borrowers and could have significant implications for credit scores and access to credit in the future. 

I believe that addressing these concerns is crucial for ensuring fair and transparent mortgage servicing practices, protecting the rights of borrowers, and maintaining the integrity of the housing finance system. I am prepared to provide any additional information or documentation that may assist in the investigation of this matter. 

Please inform me of any actions taken or updates regarding this complaint. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank special program no interest through Jared Jewelry Store in XXXX XXXX loan was for {$2600.00}. This loan was to be paid off by XX/XX/XXXX per XXXX billing statement. There were 12 payments made for XXXX XXXX  {$2600.00} 12th payment cleared on XX/XX/XXXX.. They show a balance due of {$180.00} which needed to be paid by XX/XX/XXXX. The XXXX billing statement was never generated. They have taken the interest free loan and added all the interest@ 29.99 % plus late fees. 
I have brought this to their attention on XX/XX/XXXX XXXX and XX/XX/XXXX. They answered me on XX/XX/XXXX, acknowledged my claim and requested 90 days to investigate. There was no answer in the 90-day investigation period. On XX/XX/XXXX I received another letter acknowledging my claim and acting for 90 day investigation period. On XX/XX/XXXX, I received another letter that determined my claim research did not find any error. My current balance is {$170.00}. This would be all interest@ 29.99 % and late fees. 
I believed they are very deceptive and have unethical banking practices. the XXXX XXXX  investigation should had been completed in XXXX, but they just kept adding interest and late fees until XX/XX/XXXX. 
I would be grateful for any help you can give me in this matter. My main concern is my correct score ( XXXX ) and I believe they have been paid in full. I should have a small credit. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: VT

Complaint narrative:
on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, XXXX of them are still open. 

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX XXXX XXXX XXXX XXXXXXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.

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 2023-06-30 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: VT

Complaint narrative:
on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open. 

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX XXXX XXXXXXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Back in XXXX and XXXX requested loan assistance. Never received a call from anyone at Fay Servicing. I tried on Countless times to get a hold of someone at Fay Servicing and no answer and Also HOPE hotline called Fay Servicing with me on the line and still received no answer on possible loan repayment assistance. 

XX/XX/XXXX, I ended up paying ALL my delinquent payments with help of family members. I paid the amount requested on reinstatement letter from Fay Servicing. I thought everything was okay. Since reinstalment I have been making every single payment on time. Fay Servicing marked me late, my credit was severely affected, and this is how i found out about possible late. Per Fay customer service rep. she they might have done their calculations wrong. 
I NEVER received any type of notice letting me know of possible late payments. 
I have called and been on hold for 1-2 hrs. each time and no one can give me a clear answer. I have asked to speak to supervisor and no answer. Every time i call they are confused on what is going on with my loan I have left multiple messages to a supervisor and still no answer. 

I have record of making mortgage payments for several months in XXXX ( I had to apply for XXXX to keep my home, no longer in XXXX ) and Fay Servicing did take payments however it's not counting these payments. 

Fay Servicing is extremely difficult to get a hold of and they give you NO answers. They keep " saying it is what it is, this is what is in our system '' They keep taking my payment however Fay Servicing continues to take my money and is not properly applying to my loan. 
I need help please. Very deceptive and continue to not give me answers of where the money is going and being wrongly marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-06-30 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: 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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-06-30 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: EQUIFAX, INC.
State: MS

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : 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 XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation