vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
In XXXX we received notice from XXXX XXXX that are property taxes were delinquent and home would be put up for sale XX/XX/XXXX. We have consistently paid more than required monthly mortgage payment. Our loan was sold to New Rez LLC prior to first payment but the required monthly payments were the same as our initial paperwork with our bank. I contacted New Rez and sent documentation regarding property taxes. They had only been making payments to escrow to cover home insurance and the approximately $ XXXX tax on vacant lot adjacent to mortgaged lot with home but not on the home lot. ( Taxes are approximately $ XXXX ). New Rez did make payment on delinquent taxes which has now put my escrow account in a huge deficit. I have contacted customer service regarding this numerous times as there is no way my escrow account ( now negative $ XXXX ) will ever have enough funds to make the XXXX property tax payment. Also they are not showing correct taxes due for next year. They simple entered what they paid for delinquent taxes in XXXX as what is due in XXXX. I contacted them regarding this and requested a new analysis over a month ago. Nothing has changed. I spoke with customer service regarding the deficient escrow account and was told I could make a XXXX time payment with Escrow payment noted on check. On XX/XX/XXXX my bank sent a check for {$2000.00} with " escrow payment '' annotated on check. New Rez applied it to my monthly payments- my escrow account remains negative $ XXXX. I have contacted them numerous times- lots of talk no action. I am sick to think I have a XXXX yr loan with them which was out of my control. I would gladly refinance with another company if/when the interest rate is comparable.

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 2024-12-06 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: TX

Complaint narrative:
I am writing to formally dispute the inclusion of a collection account on my credit report, which I believe is the result of fraudulent activity. The account in question is listed under the name XXXX XXXX and associated with the account number XXXX. 
Date opened XXXX XXXX I did not authorize, open, or incur any debt related to this account. I have no knowledge of the transaction or any relationship with XXXX XXXX. Therefore, I believe that this account is the result of identity theft or fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the fraudulent collection account from my credit report as soon as possible. To support my dispute, I have attached the following documents : A copy of the police report I filed regarding the fraudulent activity. 
Proof of my identity ( e.g., government-issued identification and utility bill ). 
Any additional documents or correspondence related to this dispute, if applicable. 
I respectfully request that you conduct a thorough investigation into this matter and provide me with written confirmation of the removal of this account from my credit report. As per the FCRA, I understand that you are required to resolve disputes within 30 days of receiving this letter. 

Once the investigation is complete, please send me an updated copy of my credit report that reflects the removal of this fraudulent collection account. 

Thank you for your attention to this important matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of certain accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, the following accounts and inquiries were affected, and I am requesting that they be blocked and permanently deleted from my credit file. 
Accounts to be blocked and deleted : XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8400.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$770.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8600.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX  C XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 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: FL

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
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I sent a letter to XXXX XXXX to ask why they were reporting bankruptcy and to investigate this. They sent a letter back to me stating, " They investigated the complaint about the bankruptcy and found it to be " unverifiable ''. However, XXXX XXXX is where Experian and XXXX receive their information. XXXX XXXX gets their information from XXXX and they do not have any bankruptcy on my file either. So how can the bureaus respond that the bankruptcy is VERIFIED? Please investigate this issue and I have included a letter from XXXX XXXX to prove my complaint. 

XXXX XXXX type Bankruptcy chapter 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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Website no longer shows promotional balance total or each promotional purchase balance expiration dates leaving consumers are risk of paying thousands in deferred interest simply because these terms are hidden on the website. I've complained for two months about this with no resolution.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information, bank accounts emails, social security number was leaked back in XXXX during the data breach inaccurate information was placed on my credit. 

They verified that my file does not exist in their system and has continued to report to all of the credit bureaus this false information. 

I reached out tXXXX XXXX XXXX former manager and current manager. XXXX XXXX XXXXXXXX, Equifax, and XXXX  to delete the incorrect information, and they have refused to cooperate. 

Also, after paying my full balance of my vehicle, My former car dealership ( XXXX XXXX sales ) was shut down and I never received the vehicle title. They also placed a lean on my title even when it shows a zero balance and has shown up on my credit.

I again, called all three bureaus to correct the issue, after sending proof of zero balance to all the three credit bureaus.

In all I have asked all incorrect information to be permanently deleted when they have not done due to the data breaching and my social security number being randomly ran without my consent or knowledge. 

I have sent in information documentation proving my innocence and they are still refusing to comply. I filed a police report as well and sent the report and cfpb report into all three bureaus. 

Please help, this has affected my lively hood completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
My information, bank accounts emails, social security number was leaked back in XXXX during the data breach inaccurate information was placed on my credit. 

They verified that my file does not exist in their system and has continued to report to all of the credit bureaus this false information. 

I reached out to XXXX XXXX former manager and current manager. XXXX XXXX Experian, XXXX, and transunion to delete the incorrect information, and they have refused to cooperate. 

Also, after paying my full balance of my vehicle, My former car dealership ( XXXX XXXX XXXX ) was shut down and I never received the vehicle title. They also placed a lean on my title even when it shows a XXXX balance and has shown up on my credit. 

I again, called all three bureaus to correct the issue, after sending proof of XXXX balance to all the three credit bureaus. 

In all I have asked all incorrect information to be permanently deleted when they have not done due to the data breaching and my social security number being randomly ran without my consent or knowledge. 

I have sent in information documentation proving my innocence and they are still refusing to comply. I filed a police report as well and sent the report and cfpb report into all three bureaus. 

Please help, this has affected my lively hood completely.

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 2024-12-06 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: IL

Complaint narrative:
Claiming I still owe money when the item has been returned and refunded back to there credit card. This is an issue between them and the third party. I do not have any find or received any funds. Now they are charging me late fees. This issue has been going on since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : After, going through an awful divorce, and getting through some significant losses. Im in the process of repairing my credit. 
On XX/XX/2024, I continue to review my credit reports, I notice some things are incomplete and not accurate. For example, some instances of late payments on some accounts for which I have maintained in a timely manner. This information plays an important role in damaging my credit score.

In according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

I request a thorough investigation into these discrepancies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2024-12-06 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: TX

Complaint narrative:
To Whom It May Concern : After, going through an awful divorce, and getting through some significant losses. Im in the process of repairing my credit. 
On XX/XX/year>, I continue to review my credit reports, I notice some things are incomplete and not accurate. For example, some instances of late payments on some accounts for which I have maintained in a timely manner. This information plays an important role in damaging my credit score. 
In according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

I request a thorough investigation into these discrepancies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute, XXXX Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below that have appeared on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$820.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$230.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below that have appeared on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$820.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$230.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/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 2024-12-06 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff CHILDSUPPORT XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX  XXXX Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff

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 2024-12-06 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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