vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and hard inquiries Account Name : XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 2. Account Name : XXXX of XXXX Account Number : No Account Number Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience. Account Name : XXXX XXXX XXXX Account Number : No Account Numbers Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 

Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-14 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: 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 Account Name : XXXX XXXXXXXX Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The email you gave me for XXXX - XXXX Is not working and came Back, please see attached. 

And you also got to waive all the legal fee, late fee, interest charges, inspection fee. 

I have been asking you repeatedly that I need to speak with someone. 

I also sent an email to XXXX XXXX, its a HUD counselor, they will also be reaching you out

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
**Subject : Formal Complaint Against XXXX XXXX XXXX for Financial Misconduct and Abuse of Position** Dear Consumer Financial protection bureau , I hope this letter finds you well. I am writing to formally file a complaint against XXXX XXXX XXXX regarding her misuse of her professional position to intentionally interfere with my financial transfers, resulting in significant financial harm. 

In XX/XX/year>, I initiated several financial transfers to fund my brokerage account, which held a substantial amount of money invested in various financial products. These transfers were vital for managing my investments and maintaining the stability of my financial portfolio. XXXX XXXX, an acquaintance with intimate knowledge of my financial affairs, had access to this information through her position in the banking sector. 

It has come to my attention that XXXX XXXX used her position to manually override and block these transfers without justifiable cause. Her actions directly caused a series of damaging financial consequences, including but not limited to missed investment opportunities, penalties, and disruptions in my portfolio. These events have led to ongoing financial instability, the effects of which are still being felt to this day. 

I believe XXXX XXXX 's actions were not only unethical but also a violation of her professional duties. Her misuse of privileged information and abuse of her position to cause deliberate harm is deeply concerning. I request a thorough investigation into her conduct and that appropriate measures be taken to address the financial damage caused by her interference. 

I am prepared to provide all relevant documentation, including transfer details and communication records, to support my complaint. I trust that this matter will be treated with the seriousness it deserves, and I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CA

Complaint narrative:
Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.

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 2024-09-14 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: GA

Complaint narrative:
I requested proof of verification from the courts not a third-party for bankruptcy that is listed for my XXXX  and experience credit reports. Neither agency has provided proof they both stated that a company called XXXX XXXX verified it.. I contacted the courts and the courts stated they do not verify. Per 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure and please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and 1 need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
Hello, My credit report was updated this week and now shows that Mohela is reporting my student balance incorrectly. 

I have a roughly {$120000.00} balance, but they are reporting that I owe over {$270000.00}. I consolidated my loans in XXXX and now the original, individual loans are showing as well as the new balance on the consolidated loans. I didnt bother to call them because it takes hours to get someone on the phone, and I finally do get to talk to someone, they never have any substantive answers. 

Please look into this. I have seen others reporting this same issue on XXXX. My husband and I just sold our house and need to find our next home, so this is a massive problem for me. 

Thank you for your time and help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA, XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax Failure to Block Information in Violation of the Fair Credit Reporting Act ( FCRA ) and the Victims of XXXX  Act To Whom It May Concern, I am writing to file a formal complaint against Equifax regarding their failure to block information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Victims of XXXX  Act. Despite my repeated attempts to resolve this issue, Equifax has willfully neglected its obligations under these laws.

On XX/XX/2024, Equifax received my dispute via certified mail, as confirmed by USPS tracking, which indicated delivery at XXXX XXXX on that date. Furthermore, during a phone conversation on XX/XX/2024, Equifax representative XXXX, ID # XXXX, verified that my dispute letter had been received by Equifaxs back office team on XX/XX/2024. However, despite this confirmation, Equifax has yet to take the necessary action to block the information in question, as required under the FCRA and the Victims of XXXX  Act.

On XX/XX/2024, I contacted Equifax once again, at which point I spoke with Floor Supervisor XXXX, ID # XXXX. XXXX informed me that Equifax had no record of receiving my dispute, contradicting the previous confirmation provided by XXXX and the certified USPS tracking information. Furthermore, XXXX stated that Equifax had no record of the complaint I filed with the CFPB ( complaint ID XXXX ) on XX/XX/2024 
It is clear that Equifax is willfully stalling and failing to comply with the requirements set forth by the FCRA and the Victims of XXXX  Act. Under the FCRA, Equifax is obligated to block information on my credit report within four business days of receiving a valid request, particularly when submitted with documentation related to identity theft or human XXXX. Equifaxs failure to take action within 11 business days from the date of receipt is a clear violation of these legal protections. 
Equifax 's willful non-compliance subjects them to severe penalties, including but not limited to fines and civil liabilities under 15 U.S. Code 1681n. The failure to block or correct inaccurate information can result in fines of up to {$1000.00} per violation, in addition to potential punitive damages and attorneys fees. 
I urge the CFPB to take immediate action to investigate Equifax 's practices in this matter and to hold them accountable for their clear violations of federal law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I have tried to dispute items on all three credit bureaus and haven't had any of them respond.

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 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I requested loan documents from Fay Servicing. The account portal has a tab that says loan documents but there are not any documents attached. The enforced insurance information is also not available. There is not a payment history on the dashboard and can not tell who and when a payment was made. The same with statements. Statements do not reflect how a payment was made or when. The response I received from them was that an attorney was handling the mortgage and they needed the attorney 's permission. I am in bankruptcy but my lawyer has provided them several times with authority to speak to me and the Bankruptcy Judge has also ordered that they must speak with me. Fay Servicing is also not reporting information correctly. My husband and I applied for a mortgage loan in XXXX together and should contain reports to both of our social security numbers however, they are only reporting interest payments to my husbands. I have paid over {$50000.00} in arrearages through bankruptcy and Fay continues to try to collect on them. Fay Servicing will not communicate effectively or provide documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I am a victim of identity theft please delete account XXXX XXXX XXXX bal {$62.00}

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For some time now I have been contacting Transunion in regards that my credit score that I monitor through FICO for their bureau has nothing to do with the credit score that they are providing the creditors when I apply for credit. I been turned down by the XXXX XXXX that is offered by XXXX XXXX many times because of this. Not only they do not send an updated scoring to the creditor but they also use the same model Fico score 8 model and the scores are completely different. I have called the creditors and they advise me to call the bureau and they have me in a back and forth all the time. XXXX  XXXX is another bank which has never given me a decent credit over XXXX dollars and I have XXXX credit cards with them and this is the reason why because my credit score and my report are not accurate. A discrepancy of over XXXX points. 

I will attach proof of this findings

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 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested proof of verification from the courts not a third-party for bankruptcy that is listed for my Transunion and experience credit reports. Neither agency has provided proof they both stated that a company called XXXX XXXX verified it.. I contacted the courts and the courts stated they do not verify. Per 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure and please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and 1 need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy FCU XXXX {$24000.00}. Navy FCU XXXX {$19000.00}. XXXX XXXX {$1000.00}. XXXX XXXX  XXXX XXXX {$18000.00}. XXXX XXXX XXXX {$11000.00}. DPT ED XXXX XXXX {$6200.00}. DPT ED XXXX XXXX {$3500.00}. DPT ED XXXX XXXX {$3000.00}. DPT ED XXXX XXXX {$4200.00}. XXXX XXXX {$3200.00}. XXXX XXXX {$2600.00} INQUIRIES : XXXXNAVYFCU XX/XX/year>, XXXXNAVY FEDR XX/XX/year>, NAVY FCU XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
I run a XXXX XXXX. I got a submission for request from my website on XX/XX/year>. The person named XXXX XXXX wanted to hire me to XXXX  a family reunion event on XX/XX/year>. I have XXXX  a family reunion event previously so didnt think anything of it. We conversed through email setting up the date, time, payment, and contract. He signed my contract and wanted to pay the deposit ( which would secure his date ). On Friday XX/XX/XXXX he sent me a deposit via check that I put in my account ( at US Bank ). I sent a message to XXXX XXXX saying the deposit went through and his date is secure for the event in XXXX. On this same day, I received my paycheck from work ( occurs every Friday ) and I sent money via XXXX to my boyfriend for rent ( which I have done the beginning of every month for the past two years ). I didnt go on my bank account all weekend as I was working. I didnt converse with XXXX XXXX on the weekend. On Monday, XX/XX/year>, I got an email from my XXXX XXXX XXXX saying my bank declined my payment to my credit card. I thought that was weird as I knew I had sufficient funds in my account. I tried to login to my bank app but I received a message that was account was temporary unavailable. I called my bank and the woman told me my account was going to be locked for XXXX hours and they were looking into suspicious activity. On Wednesday XX/XX/XXXX I called my bank again trying to see if I can get back into my account. The woman I spoke to said my account balance was at XXXX XXXX She had told me the check from XXXX XXXX from last Friday bounced. There were a couple of XXXX payments on Friday and over the weekend I had not done. One was {$1000.00} to a XXXX XXXX. I do not know this person at all and did not send money to them. She didnt give my the names from the other payments. I can not login to see for myself the transactions. If you look at my XXXX past transactions you can see the only XXXX payment I ever do is the rent to my boyfriend at the beginning of the month for the past two years! I am not sure how much they took as I can not get into my account. The bank will be closing it.

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 2024-09-14 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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