vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
In XXXX of XX/XX/XXXX, I purchased a new XX/XX/XXXXXXXX XXXXXX/XX/XXXX for around {$7000.00} and financed it. Sometime a year or two later, I refinanced my home and paid off several loans, including this one. I never received the title. Recently, I was looking at purchasing a newXX/XX/XXXX and was going to sell the XX/XX/XXXX. According to PA, where I live, Department of Conservation and Natural Resource ( DCNR ) who the XXXX is registered through, there is a lien on the XX/XX/XXXXhrough HSBC Retail Services Inc, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I have not moved, have an excellent credit score over XXXX, and have no outstanding debts to this company according to my credit report. I contacted customer service of HSBC and they advised me to email XXXX and explain my issue. I emailed the company on XXXX and have had no response. The customer service rep took my ssn and my personal information and advised they have no judgements or action against me. I can not sell my XX/XX/XXXX without the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXXXXXX XXXX XXXX XXXXXXXX {$6200.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX {$550.00} US DEPT ED XXXX {$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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXXXXXX XXXX XXXX  XXXX {$6200.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$550.00} US DEPT ED XXXX {$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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX was asked to remove or verify information on several occasions and will not simply uses e Oscar generated replys with verified i request info I asked for method of verification people involved numbers and they ignore. My request and continue to report false information

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX was asked to remove or verify information on several occasions and will not simply uses e Oscar generated replys with verified i request info I asked for method of verification people involved numbers and they ignore. My request and continue to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
Experian was asked to remove or verify information on several occasions and will not simply uses e Oscar generated replys with verified i request info I asked for method of verification people involved numbers and they ignore. My request and continue to report false information

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 2023-10-27 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving 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 non-monetary relief
Consumer complaint received 2023-10-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: OH

Complaint narrative:
I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.

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 2023-10-27 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: MA

Complaint narrative:
I am writing to bring to your attention an issue concerning my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following inaccurate information on my credit report, but as of this date, I have not received a response. I am providing the details of the inaccuracies and the required corrections for your reference : The account with the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$10000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$2000.00} ) has never been late. I request that this inaccurate information on my credit report be corrected/updated accordingly. 


The account under the name " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$520.00} ) has never been late. I request that this inaccurate information on my credit report be corrected/updated accordingly.

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 2023-10-27 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: FC HoldCo LLC
State: AL

Complaint narrative:
I ask my car loan company why my payments hasnt reported to my credit report in 5 months I havent got an answer and as of today my on time payments of months hasnt reported to 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed complaints with XXXX, Equifax, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below.

The failure to label this disputed account as disputed by the corporation is a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the final action on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
This is XXXX XXXX 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 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 2023-10-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am working on a HELOC and I received notification from the closing company that I have a delinquent tax on my property. I called Newez a couple of times to no avail. I get transferred to another department and no one seems to know what they are doing. 
My concern now is that my escrow payment will be used to pay penalties and interest. 
The tax for XX/XX/2022 was paid on time, and also the one for XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: DISCOVER BANK
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
In early XXXX, we received notification that our loan servicing was being transferred from XXXX to Newrez/Shellpoint Mortgage Servicing . We've had loans transferred in the past and this should not be a big issue. 

On XX/XX/XXXX, we received a notification that Newrez/Shellpoint would be paying our upcoming annual homeowner 's bill from our escrow and that we would have nothing to worry about, even though the loan servicing was being transferred. 

As the due date of XX/XX/XXXX for the insurance was approaching, we kept a close watch on our insurance account, yet payment was not being made. We attempted to contact Newrez/Shellpoint , but did not receive any response. 

The due date passed with the homeowner 's insurance left unpaid. We continued to attempt to contact Newrez/Shellpoint XXXX but continued to be unsuccessful. 

1 - We used the " Contact Us '' function on the Newrez website multiple times, but have never received a response concerning this issue. 
2 - We used the online chat function on their website. The person on the other end said that they were unable to address this issue and we would need to contact their " Insurance Department '' and gave us a phone number. When we dialed the phone number, we were connected with a medical supply company. 
3 - We tried calling the customer service number on their website. After a seemingly endless maze of computerized menus and multiple disconnects, we were finally able to reach a customer service representative on Friday, XX/XX/XXXX. 

After some back and forth about whose responsibility it is to pay the homeowner 's insurance, the customer service representative finally acknowledged that responsibility belongs to Newrez/Shellpoint .

Newrez/Shellpoint claimed to not have the insurance bill, so we did a three-way call with our insurance company, who then forwarded a copy of the insurance bill to the agent. The agent on the phone assured us the bill would be paid immediately, and we would be able to see the transaction in our online account. 

As of this point, the insurance bill is still unpaid, and there have been no changes in our online account, either with Newrez/Shellpoint or with our insurance company.

We have continued to try to reach out to Newrez/Shellpoint to resolve this issue, but they continue to ignore our requests for customer service. 

Our homeowner 's insurance bill is unpaid, and we risk having the policy cancelled due to non-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 2023-10-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
1XXXX XXXX XXXX  balance {$940.00} no action was taken by the company 2.PYOB balance {$750.00} no action was taken by the company XXXX ) XXXX XXXX {$1100.00} no action was taken by the company 4 ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company 5 ) XXXX XXXX XXXX XXXX  balance {$230.00} no action was taken by the company

Company response to consumer: Closed with explanation