vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I sent a Non Negotiable Conditional of Acceptance, a Non Negotiable of Acceptance, Rescission, Opportunity to Cure, and Estoppel to Specialized Loan Servicing in 2023 ... in which the debt was settled ; however, Specialized Loan Servicing has sent several servicing agents to my home taking photos, calling, and is sending notices regarding foreclosure on my property which has been satisfied. I have receive a Satisfaction of Mortgage from Specialized Loan Servicing ( Deed of Trust ) from them as well, but they are still harrassing me. I have attached all documentation and have filed all of this information with the Recorder of Deeds of XXXX XXXX in the state of Missouri as well as ran an ad in the XXXX XXXX with the information as well.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello. I am XXXX XXXX, DOB XX/XX/, XXXX years old, do not know English, and am XXXX, I have a problem with the credit reporting company Experian. 
In the past year up to today, my credit with Experian has been going up and down in illogical timeframes. Every month my credit score changes and goes up by XXXX points, and then a couple of days later they remove those XXXX points. Every month between 2-4 times my credit score changes, and I have barely any activity in any of my accounts. 
( This is something that does not happen with XXXX XXXX or XXXX, it is exclusive to Experian ). 
I am incapable of speaking to them because I do not know English, and on their website, there is no option to submit a dispute because all it says is to call them. 
Please take care of this, Attached to this complaint are two photos of all of the credit score changes I have had in the past few months. It is just simply illogical everything that they are doing. 
I would also like to add that every day in the afternoon, Experian sends me a notification about my credit score, and every time I go in to check it ( which I am tired of doing ), I see that my score is the same and realize they are sending me unnecessary notifications. 

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 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these 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 non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these 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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: RI

Complaint narrative:
XX/XX/2024 My virtual debit card number ending in XXXX was charged XXXX $ through XXXX XXXX that i did not authorize. I proceeded to file a dispute and notified the bank and had my dispute opened for two days, they proceeded to close the dispute with no information and will not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACURATE ACCOUNT REPORTING. 

AND PLEASE SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second notice of fraudulent accounts on my credit report. I never benefited from any of these accounts or any transaction from these accounts. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
Complaint Against : Harris and Zide This complaint alleges that Harris and Zide violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by filing a lawsuit against me without proper notification. 

Specific Violations : 15 U.S.C. 1692i ( a ) : The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written notice of their intent to collect a debt before taking any legal action. Harris and Zide failed to do so in this case. 
I never received any written notification from Harris and Zide regarding the debt or their intention to sue. 

This lack of proper notification prevented me from exercising my rights to dispute the debt or negotiate a settlement before a lawsuit was filed. 

I request that the CFPB investigate Harris and Zide 's debt collection practices and take appropriate action, including : Ordering Harris and Zide to dismiss the lawsuit against me.

Ordering Harris and Zide to provide me with a proper written notice of debt collection.

Awarding me any damages caused by the lack of proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dear CFPB ( Consumer Financial Protection Bureau ), I am writing to describe an issue I have encountered with Capital One, a major financial institution, regarding inaccurate account reporting on my credit profile. Below is a summary of the events, including dates, actions taken, and amounts involved : XXXX. Date of XXXX : XX/XX/2023 Upon reviewing my credit report last year, I noticed an account listed under my name with Capital One. This account was reported as an authorized user account, which I dispute as inaccurate. 

XXXX. Lack of Authorization : I want to clarify that I have never signed any agreement with Capital One nor authorized the use of any account associated with them. The reported account is not mine, and I have never consented to being listed as an authorized user. 

XXXX. Dispute Actions Taken : - Immediately upon discovering the inaccurately reported account, I initiated disputes with all three major credit bureaus ( XXXX, XXXX, and XXXX ) in 2023. 
- I clearly outlined the discrepancy, provided supporting documentation, and requested a thorough investigation into the matter. 

4. Lack of Resolution : - Despite my repeated efforts to dispute the inaccuracies, the reported account remains on my credit profile without any corrections or investigations conducted by Capital One or the credit bureaus. 

XXXX. Violations of Consumer Rights : - Capital One 's failure to accurately report account information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
- The inaccurately reported account has adversely affected my creditworthiness, making it difficult for me to access favorable credit terms and opportunities. 

I am submitting this complaint to seek assistance from the CFPB in resolving this matter. I understand that you may require additional information to help identify me and my account, and I am willing to provide such details upon request.

Thank you for your attention to this complaint. I trust that the CFPB will take appropriate action to address this issue and ensure that justice is served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I'm feeling unsettled due to the presence of inaccuracies in some listed accounts.

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 2024-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have sent proof to NATIONAL CREDIT SYSTEMS that XXXX has admitted to my data being sold and bought illegally and they have refused to provide the burden of proof that i owe NATIONAL CREDIT SYSTEMS the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report. I have no association with those creditors listed and did not authorize this inquiry.

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 2024-03-12 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ensuring that payments are always made on time has been my practice with this account, preventing any occurrences of overdue payments. I'm puzzled by the presence of late payment remarks on my accounts and am unsure of their reasons. According to 15 USC 1666b - Billing Error, these remarks should be corrected.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This account is not mine. I never agreed or sign to any agreement. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc
State: FL

Complaint narrative:
My neighborhood created a new HOA and came up with dues doubled what was expected. I wasnt able to pay them by the due date but I did eventually get onto the property management website and paid the amount that showed due according to the site, I paid the full amount due. About a week later I received a call from a collection agency, I advised them I had paid via the website. They stated they had not gotten a notice from the property management company did not notify them and I still had to pay it. The following year was paid on XX/XX/XXXX. The email to the HOA President says I still have to pay the collection company even though I paid them.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received a letter in the mail on XX/XX/2024, stating I applied for a CHASE FREEDOM Visa Platinum credit card. In the letter it stated they needed more information in order to process the application.

I did not apply for this credit card. I called JP Morgan Chase Bank, they saw an application for this card. I gave them the reference number that was on the letter, and they closed the application/account due to fraud. 
I also contacted XXXX and reported this to them as well. The fraud department removed it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I originally applied back in XX/XX/XXXX I again applied from XXXX through current resubmitted requested docs last date being XX/XX/XXXX. I have asked for confirmation and information over XXXX times to no avail. Timing is crucial and this seemingly intentional delay is jeopardizing my efforts. Please update me and answer my correspondence. I have 100 % complied and seeking a fair chance to modify or setup payment arrangements. I am ready to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation