vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: NJ

Complaint narrative:
To whom it may concern : Re : XXXX XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX, Bankruptcy XXXX On XX/XX/XXXX, you disclosed to me upon investigation of bankruptcy being reported on my consumer report was " verified as accurate ''. Thanks for getting back to me so quickly on that, by the way. You guys move pretty fast. I was confused by that since you didn't provide me with whom - what persons- it was verified with. I made use of the live chat which - XXXX- was very nice and helpful. Attached is that discussion from a few moments ago which you'll have on your end as well. 

Please note that I have obtained copies of my XXXX report and the bankruptcy IS NOT reported as they could not verify the information appropriately. This is attached. 

Please also note that I also reached out to the bankruptcy court in XXXX, NJ, and they stated they DO NOT report OR verify information with credit bureaus. This letter is attached. 

My attorney did NOT verify this, either. 

Obtaining information from public sources like PACER is unequivocally done with false pretenses : 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Finally, I have never provided written instructions or consent for this very personal matter to be shared on my consumer report.

I am aware that the FCRA says a credit reporting agency must remove innacurate or unverified information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

In closing, please DELETE this item from my credit report as it IS NOT VERIFIED.

The OCR, E-Metro, and E-oscar do not qualify as as a recognized source of validation. 

Please send me an updated copy of my consumer credit report once the bankruptcy is deleted. 

Thank you.

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 2024-11-07 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am filing a complaint regarding my loan modification process with Shellpoint Mortgage Servicing, which has not been handled properly and has now led to a scheduled foreclosure sale date of XX/XX/24. 

Throughout the loan modification review, it has seemed that Shellpoint is merely going through the motions of following procedure without genuine intent to provide a workable loan modification. Despite initially informing me that my income met their requirements for a repayment plan, they later claimed my income was insufficient and proceeded with foreclosure action before fully reviewing my application. The foreclosure sale date was also set while my application was still under review, adding unnecessary stress and uncertainty to my situation. 

In my communication with XXXX XXXX, he accused me of intentionally delaying payments in order to obtain a loan modification. This accusation is completely unfounded and unfair, as I have been actively cooperating and providing all requested documentation. I submitted all required documents, including updated income information, through Shellpoints loss mitigation email. With my current monthly income of {$8200.00}, I should qualify for a reasonable loan modification payment plan that includes the arrears. However, Shellpoint has not offered a clear resolution or shown willingness to engage with my request in good faith. 

Additionally, during a phone call on XX/XX/XXXX, I was informed that I could qualify for a repayment plan with a payment of {$4100.00}, but I needed to figure out what the down payment would be. After that call, I never received any follow-up communication from Shellpoint. When I later tried to reach out to them, I was told that my income was insufficient, even though I had provided updated income information prior to the call. 

Furthermore, I spoke with a supervisor who seemed to have no intention of assisting with the loan modification process. Instead of addressing my concerns, she simply stated that I can not afford it and that the property needs to be sold. This response further demonstrates a lack of genuine effort to work with me on a solution. 

I urgently request intervention to prevent the foreclosure sale and ensure a fair review of my application.

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 2024-11-07 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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Hello, I have been trying to get a letter from XXXX stating that they reversed 2 small late fees on an old credit card of mine ending XXXX as it is having a negative impact on my credit score and I am trying to get a mortgage. I had called to close the account and apparently in remained opened. There was a balance of {$340.00} on my account which I paid on XX/XX/year> as soon as I realized it hadn't been closed. While the card is currently closed with a XXXX balance, this is not sufficient information for Equifax to remove the 2 strikes against my report. I have been trying to get a letter from XXXX stating that they reversed the two fees, but they only send me a standard letter showing the card is closed with a XXXX balance. The issue on my report is only about those 2 late fees that XXXX didn't even make me pay because of the misunderstanding as we had previously requested to cancel the card. 

Is there anything you can do to escalate this quickly? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint # XXXX : XXXX reports inaccurate data. I never filed for Bankruptcy protection. My XXXX reports 1 public record that Does Not belong to me, and it was a same-name mixed file for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bankruptcy discharged, Original filing date XXXX XXXX, XXXX?? 

Complaint # XXXX XXXX reports inaccurate data. XXXX XXXX ( CLOSED ) ( NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status UNAVAILABLE Available Credit?? 

Complaint # XXXX XXXX reports inaccurate data. XXXX XXXX  ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit?? 

Complaint # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( CLOSED ) account 's reported balance?? NOT AUTHORIZED-FRAUD ) Complaint # XXXX XXXX XXXXXXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$9900.00} Account Status CHARGE_OFF?? 

Complaint # XXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX  Reported Balance {$0.00} Account Status OVER_120_DAYS_PAST_DUE Available Credit {$0.00}??

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NJ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I reopened my Robinhood account to be able to send and buy XXXX. Also to receive it as well. Well so far I only did TWO transactions to test and make sure everything worked. My first two went two for the amount totaling {$560.00}. I deposited another {$500.00} to send to another wallet and as soon as I add the funds Robinhood says my account is restricted and under review they would get back to me by the XXXX. They called me on the XXXX but the call failed. I called on the XXXX and XXXX for over XXXX on the phone waiting once I get to caller 1 the call ends on their end. They asked for my bank statement I have sent it. They asked for my ID I sent it 20 times after that. They dont answer emails or calls. Even when they call you you have to sit in a longggg waiting list for over hours and sometimes they still dont answer even when they call YOU. The only support you get is from a robot that does nothing. I have done everything they asked and now they keep pushing the review date. I just want my money that I added onto the account through my XXXX bank account. They have everything they need. I have {$500.00} remaining on Robinhood I just want to take off and never use the app again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a variable rate HELOC with Bank of America ( Acct XXXX XXXX ). I've noticed that since the Fed has cut rates in XXXX, the variable rate still has not been adjusted. It has reflected the same interest rate since at least XXXX with no adjustment for the rate cuts in XX/XX/XXXX. In my first call to Bank of America, my call was dropped while on hold while the customer service representative worked with me to determine whether there was a problem ( approx. XXXX XXXX into the call ). In my second call to Bank of America, the customer service representative acknowledged that my rate should have been adjusted following the XXXX rate cuts. She filed a request with the Disputes Department ( dispute number XXXX XXXXXXXX ) to take a look into this and make the proper adjustments. Given the lack of confidence I now have in Bank of America appropriately reflecting the applicable variable rate, I would like a look back to XX/XX/XXXX to ensure my rate has not been miscalculated in other instances, and to refund me any amounts owed. I am also concerned that other consumers similarly have not have had their rates adjusted and I would like Bank of America to determine the root cause of this problem so that others are not similarly effected.

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 2024-11-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report, yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2024-11-07 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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CT

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report, yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
I made a payment in 2023 on their website using their online bill pay. The payment took over a week to post then a few days after being posted it was returned and I received a late fee. I was able to get the late fee removed and remade the payment over the phone. I was then told the issue was fixed. I made my next payment online using their online bill pay website and the payment was taken. I was then notified a few weeks later that I missed a payment and was past due. After checking my account, I found that my payment had only been applied to one loan and not dispersed evenly across all of them. I called to get this fixed and was told it was a known issue. It was still not fixed by the time my next payment was due so I called to get an update. I was told that it is still in the queue to be fixed and to not make another payment until it was fixed. After another month it was still not fixed and was told the same thing after calling in. Over the next year, I called in roughly ten times and was told various things ranging from it is being escalated to a higher service team to they had no record of any time I had called in previously. I I refuse to pay any interest gained during this period as I feel that they are actively stinging me along to increase the amount of interest I will have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
Tonight, I discovered some completely inaccurate accounts on my credit report, and Im at a total loss as to why theyre even there. When I checked it like I usually do, there were strange discrepancies that Ive never seen before. I tried refreshing my browser, hoping it might just be a glitch, but the inaccurate accounts were still there. This is really upsetting, and I need the documents Ive provided to be checked thoroughly so I dont have to go through this again.

Company response to consumer: Closed with non-monetary relief