vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
XXXX, XXXX and Equifax failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within 5 business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to XXXX, XXXX and Equifax previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Equifax Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of XXXX, XXXX and Equifax investigations, XXXX, XXXX and Equifax stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, XXXX, XXXX and Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, XXXX and Equifax are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing Attn : Dispute Resolution Department XXXX XXXX XXXX XXXX, SC XXXX Re : LOAN # # XXXX Dear Shellpoint Mortgage Servicing, I am writing to dispute the transfer of my mortgage loan to your company in 2022. Despite this transfer, I did not receive the required notice of ownership change, as mandated by federal XXXX. Additionally, I have encountered several issues related to documentation and reporting inaccuracies. 

Transfer Notice Violation : According to the Real Estate Settlement Procedures Act ( RESPA ), you are obligated to provide a notice of transfer of ownership within 30 days of the mortgage sale. I request that you promptly send me this notice, including the required information2.

Original Contract and Signature : Please provide a copy of the original loan contract with my original signature. Transparency is crucial, and I need to verify the terms and conditions of my loan3.

Transaction History : I demand a complete transaction history from the date you took over my loan. This includes all payments, modifications, and any other relevant transactions4.

Previous Loan Modifications : I request all documents related to any previous loan modifications made by Shellpoint. This information is essential for my records and understanding of my loan history5.

Separate Original Documents : Ensure that the original documents I signed on my closing date are kept separate and accessible. These are critical for any future legal or financial matters6.

Inaccurate Late Payments : Provide a detailed breakdown of any late payment inaccuracies you are reporting. If there are discrepancies, I expect prompt corrections.

Deletion of Tradeline : failure to provide any requested documents I demand that you delete your tradeline from my credit report within 15 days from the date of this dispute.

Please acknowledge receipt of this letter and provide a written response within the legally required timeframe. Failure to comply may result in legal action. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: NJ

Complaint narrative:
XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 
Failure to Provide Required Disclosures : Portfolio Recovery has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provide.15 U.S Code 1692c ( identity theft. They are the original creditor, This is an attempt to collect a debt all illegal. They havent validated anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 
Failure to Provide Required Disclosures XXXX XXXX XXXX  has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provide.15 U.S Code 1692c ( identity theft. They are the original creditor, This is an attempt to collect a debt all illegal. They havent validated anything

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 2024-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I had a personal loan from 1st Franklin, XXXX XXXX and XXXX XXXX. The loans were done during the few years of the pandemic and I lost employment and have been since then trying to recover. The accounts have all been placed in collections and charged off and the information from the accounts are being furnished illegally.

( 1st Franklin ) reported balance : {$1200.00} date of the account : XX/XX/year> *the account was charged off as bad debt profit and loss write-off by the company ( XXXX XXXX XXXX XXXX reported balance : {$400.00} date of the account : XX/XX/year> *the account was charged off as bad debt profit and loss write-off by the company ( XXXX XXXX ) reported balance XXXX {$1000.00} date of the accountXXXX *the account is charged off as bad credit and sold to another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Attempted to close my card in XX/XX/year>, and paid off the balance. Was then charged fees and interest without receiving a bill from Citibank. Had the fees reversed on XX/XX/XXXX, and was told that the card would be XXXX out and that nothing more was owed. Was specifically told not to pay any money to the account at that time as well. 

Charged interest, fees, and a late charge again in XXXX, and was told there was an outstanding balance. Asked what they plan to charge me in XXXX because I keep getting charged AFTER being told everything was XXXX out. Attempted to pay off whatever balance I allegedly owed and see the account had been XXXX  out AGAIN. Asked what they plan to charge me in XXXX, and they stated that bill hadn't been generated yet. This is indicating to me that I will receive another bill, yet again. When I have been told and saw twice that my account is at a 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 monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of Limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account from my report immediately : Account name : XXXX XXXX XXXX XXXX  : Account Number : 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 2024-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I received a notification on my credit report from Sequium Asset Solutions indicating that I owed a debt of {$670.00}. This came as a surprise since I have not opened or used a XXXX XXXX account, nor have I received any services from them. 
Details of the Fraudulent Activity : XXXX. Unauthorized Account Opening : o I did not authorize the opening of any account with XXXX XXXX. 
o There was no consent given for any services or plans under my name. 
XXXX. No Services Rendered : o I have never utilized any mobile services from XXXX XXXX. 
o XXXX XXXX cards, devices, or service agreements have been received or signed by me. 
XXXX. Billing and Statements : o The statements I received list charges for services that I did not use. 
o There are charges for data, calls, and messages that do not correspond with my usage patterns. 
XXXX. Contact with XXXX XXXX : o I have contacted XXXX XXXX 's customer service multiple times to resolve this issue. 
o Despite providing evidence and stating that I did not open the account, the company insists that the debt is valid. 
5. Credit Impact : o This fraudulent debt has negatively impacted my credit score. 
o I have been subjected to stress and inconvenience due to collection calls and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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 sent my 2nd letter to the cra 's on XXXX about the inaccurate and incomplete information they are reporting on my consumer report. they are in violation of 15 usc 1681s-2b for not deleting the inaccurate information from my credit report.Also, 15 usc 1681eb for not providing maximum accuracy of reporting information. 
i am requesting that the information be deleted from my credit report and that XXXX give me a score and stop hiding it from 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 non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
To whom it may concern All federal student loans were recently transferred from Mohela 's original platform to their new XXXX platform. 
In the transfer XXXX errors were made with my loans : XXXX. My XX/XX/XXXX auto payment went through but then my loans were placed in forbearance without my knowledge or consent. As such, the XX/XX/XXXX payment is listed as {$0.00}. I do not want this. I want to make monthly payments to reach XXXX XXXX payments faster. I want to make a XX/XX/XXXX payment to count toward XXXX  and if I do that without a " payment due '' it will not count toward XXXX and will mark my loans in paid ahead status. This harms XXXX forgiveness, I have already dealt with that in the past and do not want to deal with this again. My loans need to be removed from forbearance and resume the normal payment schedule. 

XXXX. {$100000.00} of interest was capitalized inappropriately. This seems to have occurred when they moved the loans from old Mohela to new Mohela. This is a HUGE problem. This is the XXXX  time I have had inappropriate capitalization of interest. In XXXX, XXXX and XXXX removed my loans from repayment, debited {$4000.00} from my account without warning, put them all in forbearance, capitalized {$80000.00} of interest and then it took me XXXX YEARS of fighting with them and the assistance of this body the CFPB to solve this problem. I will not fight them for XXXX  years again. This must be fixed asap. The department of education has a responsibility to ensure that these transfers of loans go smoothly. I will not lose another XXXX years of my life to constant arguing with a loan servicer. Please let me know the way to fix this. 

In the attached document you will not only see that the interest was capitalized but also that all of the proposed payment dates are wildly inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: CA

Complaint narrative:
They sent a letter, making a demand, however, did not specify any details about why they were making this demand, threatened my credit, and included a letter with lots of links that I can select but since I do not trust them, I can go no further incorrect in this issue. 

They claim I owe tolls for driving in Texas. However, I do not own a car, and I never been in Texas. 
XXXX XXXX XXXX, XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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

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 2024-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One XXXX XXXX Credit Card was arbitrarily closed about a month ago without my knowledge. Upon finally realizing this was the case, only from an alert on a credit reporting website that the revolving line was closed, I contacted Capital One. They asked that my most recent payment clear before I make any attempt to reopen the account. This was about a week ago, near the end of XX/XX/year>. Now that I called back today, XX/XX/year>, at about XXXX XXXX EST, I was told in a canned response by an overseas agent that there is no option to reopen my account. No reasoning was provided, no option to escalate to a supervisor or somebody with further privileges or information was allowed, and no answer was given for why they were refusing to allow me to redeem my credit card miles despite being well below the 90 day grace period required under New York State law. I only wanted an honest discussion with someone to suggest, perhaps, an appeal option should the account be brought current in full, the credit limit reduced, or any other number of compromises to keep it open. It has been negatively effected by returned payments due to a checking account being arbitrarily closed, but I have never been in default on the account, nor missed a payment between cycles. 

If I can't get a real human who refuses to do anything but read what is on their computer screen, and they are illegally seizing my miles, what option do I have other than seeking legal action? I don't want to do this, but this is a shockingly human-free " customer service '' experience that is unbecoming of an honest business relationship, especially for a premium card. 

How do I speak with someone who has some authority and honest answers about how we can repair our business relationship, or at the very least, let me bow out of gracefully with the credit I have a legal claim to?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: 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.

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 XXXX 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 2024-07-07 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.

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 XXXX 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 2024-07-07 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: Harvard Collections, LLC
State: IL

Complaint narrative:
I've recently received a copy of my full credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation