vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: MO

Complaint narrative:
* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXXXXXX XXXX XXXX XXXX  Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/, XX/XX/, and XX/XX/. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

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 2023-12-08 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: MO

Complaint narrative:
* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXX XXXX XXXX XXXX  Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/, XX/XX/, and XX/XX/. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

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 2023-12-08 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: IL

Complaint narrative:
In early XX/XX/2023 I was notified of suspicious activity on my acvount. When I confirmed that I did not initiate the attempted charges. I was informed the card would be closed and I would be issued a new card. I had already scheduled a payment for the old account number and was not informed that since the old card had been cancelled I needed to reschedule the payment. The payment that I originally scheduled for {$49.00} was never processed and I was charged a late fee and additional interest along with a penalty APR. I resubmitted the payment once I found out it wasn't processed. Although the late fees and interest were reversed, my upcoming payment was increased to an amount that I am unable to afford. I have contacted Citi several times and gotten the runaround and I am still unclear on how much my minimum payment is. I am also unclear as to what my APR is. I FEEL THIS IS GROSSLY UNFAIR SINCE I AM A VICTIM OF FRAUDULENT ACCOUNT ACTIVITY. I just need someone from Citi to straighten this out for 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 monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a physician and am trying to setup a business seeing patients. I have tried to open a small business checking account at XXXX and keep getting refused because ChexSystems is reporting my credit history as frozen. Today I went to a physical bank location and a banker got the same false information from ChexSystems. 

My credit history was frozen for security purposes at all XXXX credit bureaus. It has been over ten days that all credit histories are unfrozen. 

I NEVER placed a freeze with ChexSystems. I did not even know about ChexSystems until I found out they were providing banks with false information on me. 

I am suffering HUGE financial losses because I am unable to transact financial payments and collect payments from patients. This is only and ONLY due to ChexSystems preventing a law abiding citizen from conducting legal business by blocking their ability to conduct financial transactions.

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 2023-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: MN

Complaint narrative:
A bank account was fraudulently opened at Square using my personal contact information including my email address. I found out about this when I received an email notification in XXXX that an account had been opened. I contacted Square support by email and they said they could not provide assistance over email. I called support and they told me a ticket would be created and the issue investigated. They did not follow up with me or resolve the issue and I continued to receive notifications about this account. I called multiple different times over the following months to try and have the issue resolved. In XXXX I was told the issue would be escalated and investigated and then was told that the account would be deactivated. I continued to receive email notifications about bank statements and activity for this account however even after I was told this. I again called and was told it would be investigated but no action was taken and Square did not follow up about this issue. 

Despite multiple attempts on my part to have the account that was opened using my personal contact information without my authorization closed or to have my information removed this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Send email stating they did NOT receive mortgage payment when the company was called called regarding emails company employees responding to concern state that they NEVER received XX/XX/XXXX, payments and more. 

Our bank XXXX XXXX XXXX  was contacted regarding the payments showing that in fact NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXDID receive payments, however NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Falsified where they posted the payments to falsified statements they quote ' NEVER RECEIVED PAYMENTS ' regarding our VA mortgage account After you log in to their web page i.e., et al., etc., https : //signin.newrez.com/signin/myaccount AFTER you make payments states ' Congratulations ' YOUR PAYMENT WAS RECEIVED however the company NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. Never posted correctly on account and list the mortgage payment and escrow payments as quote ' SURPLUS ' after sending numerous emails alleging never got payments in XXXX alone the folling payments were made XXXX accounts XXXX myself XXXX my daugthers paid to AFER sending emails they never received payments NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEWREZ-SHELLPOIN HIST RTN XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXX XXXX {$870.00} - - - XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} ESCROW ADDITIONAL PAYMENTS XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$200.00} After you click links on their web page under payments it listed payment as quote ' SURPLUS ' same issue with escrow payments not being posted accurately to account same with escrow payments AFTER receiving notices from company that they quote need payments for escrow the loan is FULLY AMORTIZED VA LOAN, and more issues regarding mortgage fraud on behalf of this company https : //signin.newrez.com/signin/myaccount , NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My issue is with XXXX, XXXX, and Experian with a student loan company, DeptOfEd/XXXX  in which each company reports 3 - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX XXXX  school. How can I have that many 90 day lates. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.

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 2023-12-08 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:
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: MOHELA
State: WY

Complaint narrative:
Mohela sent me a letter saying I would not be charged interest and no payments are due but they are still charging be interest and demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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 explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
My Card Was Used Without My Consent in XXXX of 2019 Now This information Shows up on my Credit report as negative And its hurting my credit score the amount charged Was For {$260.00} i Paid of the amount owed but the information still shows up on my credit report and its hurting my credit score i want it gone because i did not make the purchase in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity theft through Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: IN

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original  Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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