vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Sunrise Credit Services for harassing me for the second time, despite having sent them a cease-and-desist letter. In my initial communication, I explicitly requested that they stop contacting me and explained that I am a XXXX XXXX  with protected, limited income, as I collect Supplemental Security Income ( SSI ). This means I am unable to afford to pay this debt. 

Despite my cease-and-desist request, Sunrise Credit Services has continued to contact me and is now threatening to report the debt to the national credit bureaus. Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from continuing to communicate with consumers after receiving a cease-and-desist notice. 

I have documents to support my claims, including a copy of the cease-and-desist letter I sent and records of the continued contact and threats made by Sunrise Credit Services. 

This repeated contact is causing unnecessary stress and XXXX, especially given my financial situation and the nature of my limited income. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure Sunrise Credit Services complies with the law. 

Please let me know if any additional documentation or details are required to assist in resolving this issue. 

Sincerely, XXXX XXXX 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 2024-12-04 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: CA

Complaint narrative:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries listed on my TransUnion credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX, XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I did not provide consent or authorization for these inquiries, and their presence on my credit report is concerning. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have already attempted to resolve this matter by contacting TransUnion and disputing these inquiries, but I have not received a satisfactory resolution. I have attempted multiple times dating over 120 days. 

I request that the CFPB investigate this issue and ensure that the unauthorized inquiries are removed from my credit report promptly. I also request that measures be taken to prevent future unauthorized access to my credit information. 

I have been denied credit that would significantly help my families financial standing due to these errors. Loosing over {$10000.00} in loan funds due to " too many inquiries on credit file '' Thank you for your time and assistance in resolving this matter. I look forward to your response and the resolution of this issue. 

Sincerely, 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 2024-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
XXXX card fraud on XX/XX/year> for XXXX for over XXXX dollars which should never have been authorized because it is not Health related. I noticed the fraud on my account on XX/XX/XXXX and reported it to Optum bank. I was told to destroy my debit card and they would rush a new debit card to me the next day it would take a week to confirm the fraud and the refund was promptly credited back on XX/XX/year>. I called on XXXX due to not having a card to pay for XXXX qualified bill. The representative XXXX at XXXX XXXX told me the card is still in processing I asked to speak with a supervisor and she hung up on me. I would want to have a different bank as XXXX agent but that is not possible through my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On the XXXXXXXX XXXX XXXXXXXX, I wrote a letter to Equifax about fraudulent Addrersses, accounts/ inquiries on my consumer profile. They did not remove XXXX inquiry which is clearly on my FTC report that was sent with the first letter. I then called Equifax and they said they did not receive the FTC report for 1. Unauthorized inquiry. 
XXXX Date of inquiry : XX/XX/year> DELETE!!! 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX I need this removed ASAP ATTACHED IS *VALID STATE ID *SSN CARD *PROOF OF ADDRESS *FTC REPORT *LETTER IDENTIFYING THE FRAUD. 18 USC 1028 A 15 USC 1681 S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-04 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: VA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX - file dispute - amount XXXX, due to a merchant refused to refund even after received my return XXXX XXXX - received dispute case close letter from capital one due to merchant denied receiving my return, case close and the fund went to merchant ( i try to resolve with merchant but merchant refuse to refund ) XXXX XXXX - contact capital one and explain my issue, uploaded return package tracking to show merchant has received the return. also uploaded conversation screencap to show merchant refused to refund XXXX XXXX - capital one refuse to credit the amount to me due to insufficient evidence, case close. 


XXXX XXXX- i am disappointed to the result and file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: NJ

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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NJ

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. List all 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 2024-12-04 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:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-12-04 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: LA

Complaint narrative:
I am filing a formal complaint against the credit reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding identity theft. Despite my submission of an Identity Theft Report and all required supporting documentation, these agencies have failed to act within the mandated timeframes and have instead sent stall letters, violating my consumer rights.

Details of the Complaint On [ specific date ], I submitted an Identity Theft Report in compliance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent accounts be blocked and removed from credit reports within four business days.

Despite fulfilling all requirements, these agencies have failed to take the necessary action and continue to send stall letters instead of addressing the fraudulent accounts.

Violations Non-Compliance with FCRA Section 605B : Agencies have failed to block and remove fraudulent accounts within four business days as required by law.

Sending Stall Letters : Instead of taking corrective action, they have delayed the process with unnecessary and repetitive correspondence, which constitutes bad faith and a violation of my rights under federal law.

Supporting Evidence Identity Theft Report.

Copies of correspondence with credit agencies.

Stall letters received instead of proper action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I would like to formally raise a legal argument regarding HSA Bank 's refusal to transfer my HSA funds to my HSA account at XXXX XXXX. 

On XX/XX/year>, I submitted an HSA Rollover request at XXXX to transfer funds from my HSA Bank account. XXXX initiated the process and provided all necessary paperwork to HSA Bank to facilitate an in-kind HSA fund transfer. Despite this, HSA Bank took no action and later informed me via mail that my funds were invested in XXXX, preventing them from proceeding with the transfer. 

Following this, I contacted HSA support, instructing them to transfer the invested funds to HSA Bank. Despite my efforts, and all funds transferred in case, HSA Bank failed to act again. Upon further inquiry, I was told that a new request was required because the initial submission did not involve cash. I questioned the necessity of a new request, as the original request clearly outlined the transfer instructions and merely required HSA Bank to utilize Fidelitys HSA account to initiate the transfer. This redundant requirement seems unreasonable, unjustified, and a cause for further delaysthe first request has already taken 25 days. Additionally, when I asked to close my account and issue a check, my request was denied. 

Furthermore, HSA Bank continues to charge me an account maintenance fee, despite my ongoing efforts to transfer the funds and close the account. 

As the rightful owner of the account and funds at HSA Bank, I find their actions to be a violation of my rights and a form of asset withholding. This behavior constitutes an unlawful obstruction of access to my own assets, which could be classified as theft. 

I demand immediate resolution and compliance with my original transfer request, or a thorough explanation and legal justification for the refusal and imposed delays. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : 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 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

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 2024-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing is the lender on my XXXXXXXX XXXX XXXX XXXX appraised at $ XXXX. In XXXX, XXXX, my XXXX XXXX XXXX Master Insurance Policy was dropped and could not be renewed. During the time the HOA worked to find a new carrier, Shellpoint enacted a $ XXXX policy on my personal mortgage. Shellpoint began garnishing my escrow on this $ XXXX premium and finally increased my personal mortgage $ XXXX per month. 

During the month of XXXX, there are XXXX unique transactions on my payment history with Shellpoint. On XX/XX/XXXX, Shellpoint had not covered my personal mortgage and stated I would be reported to creditors. On XX/XX/XXXX, Shellpoint had + {$960.00} of " unapplied money '' sitting in my account and an escrow of {$5700.00} but would not pay my mortgage despite collecting : + {$2800.00} " regular payment '' on XX/XX/XXXX, + {$940.00} " escrow only payment on XX/XX/XXXX, and + {$4900.00} on XX/XX/XXXX. 

As of XX/XX/XXXX, my escrow balance is {$6500.00}. Shellpoint has taken more than $ XXXX from me since XX/XX/XXXX and had enacted an improper Master Policy on my behalf for a $ XXXX property that I do not own. 

XX/XX/XXXX, I called Shellpoint to provide proof of a new HOA Master Policy. I emailed all certificates as directed. As of XX/XX/XXXX Shellpoint still has not canceled their $ XXXX policy on my XXXX property.

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 2024-12-04 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: VA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

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 2 out of 3 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 non-monetary relief