vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Hello, I refinanced with a new mortgage provider. On XX/XX/XXXX, I contacted Newrez to request a formal payoff good until XX/XX/XXXX. They provided me with this document. 

By XX/XX/XXXX, my NewRez LLC ( XXXX XXXX XXXX XXXX ) account was paid off in full and closed. On XX/XX/XXXX, NewRez sent me an escrow check excluding my taxes. I contacted them immediately letting them know there was an issues. They said there was not and to check my files again. On XX/XX/XXXX NewRez used XXXX to make a tax escrow payment. 

I called my city tax collector and they confirmed that my closing taxes were paid in full on XX/XX/XXXX. They also confirmed that they received a payment from XXXX that they were issuing a refund back to them and the check would be cut XX/XX/XXXX. 

I proceeded to consult with my lawyer and was advised to call NewRez back as this was indeed NewRez issue. I called NewRez back on XX/XX/XXXX and then again said this was not there issue. They would escalate the this ticket, but no further action was taken. 

I waited a few weeks and called NewRez back again on XX/XX/XXXX. I got the same response with another " escalation ''. They advised that at this point there is nothing they can do. 

By my records, it has been XXXX  months since I disclosed to NewRez I will be closing the account and XXXX weeks upon fully paying off the account and I am still owed thousands of dollars from them. There customer service is horrendous and I feel as though I may never see this money back as they continue to tell me this is not their fault or their issue to deal with.

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 2024-12-18 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-18 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:
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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Hello, I am experiencing a serious issue with my Comenity Bank account that I believe involves fraudulent activity. The problem began when I noticed that the payments I had been making for the past year and a half were being erased due to accrued interest. Upon contacting Comenity Bank, I was informed that my account had been closed last year at the request of the account holder. However, I did not request the closure, and when I asked what verification steps they took to confirm my identity, they stated that it was too long ago to track. 

They explained that the account was closed with a balance, which is why the interest continued to accumulate and cancel out my payments. To my surprise, Comenity Bank has been reporting the account as open without notifying me that it had been closed with a balance. For the past year and a half, I have been paying {$50.00} a month for an account that was effectively closed. If I had been informed of the closure, I could have clarified that I did not request it, and we could have worked out a solution. 

Feeling taken advantage of and frustrated by the situation, I paid off the balance in full and requested a closure letter to confirm that the account was closed. They assured me that I would receive the letter and that the account was indeed closed with no outstanding balance. However, a few weeks later, the account remains open and continues to accrue interest. 

I called again to request that the account be closed and the interest charges stopped, but I have only received the runaround, and the account is still being reported as open to creditors. Despite not owing anything, they refuse to close the account, and I am at a loss for what to do next. 

I appreciate any assistance you can provide in resolving this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I requested a debt verification letter from this company, and they have ignored the request for this letter and continued to call me. I also do not believe that it is fair to be attempting to collect this debt at all. I have contacted Paypal numerous times trying to pay this balance, and they told me I did not have a balance owed. I only found out otherwise when receiving a letter from a debt collector.

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 2024-12-18 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: ARC Management Group, LLC
State: DC

Complaint narrative:
I was sent information saying that my credit information was linked. A " breach of credit information link '' on your account usually indicates that a data breach has occurred where your credit card details or other sensitive financial information may have been compromised. After carefully monitoring my credit I have a lot of suspicious activity. Accounts that dont belong to me and I want deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Bankruptcy in My Credit Report Request for Removal under Section 623A-5 Dear Sir/Madam, I am writing to formally dispute the bankruptcy that has been incorrectly reported on my credit report. Under Section 623A-5 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information that is being reported. 

Upon reviewing my credit report, I have identified that the bankruptcy listed in my credit history Transunion is incorrect. I am requesting your assistance in removing this from my credit report, as I believe it was reported in error or is not verifiable. 

Details of the Dispute : Name of the court where the bankruptcy was filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy case number : XXXX Date of bankruptcy filing : XX/XX/year> Reason for the dispute : Lack of debt validation, error in reporting Under Section 623A-XXXX, I request that you investigate this matter and take appropriate actions to remove the incorrect information from my credit report. According to the applicable laws, the information must be accurate and verifiable, and in my case, it does not meet those criteria. 

I have attached the relevant documents to support my dispute, including : A copy of my credit report showing the bankruptcy As stipulated by the Fair Credit Reporting Act, I understand that you are required to resolve this dispute within 30 days. I would appreciate it if you could update me on the progress of my case and the resolution of this dispute. 

If this incorrect information is not removed, I will be forced to take further legal actions, which may include filing a complaint with the Department of Justice or pursuing additional legal measures. 

I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX [ Last 4 digits of your Social Security Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

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 non-monetary relief
Consumer complaint received 2024-12-18 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: TX

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 2024-12-18 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-18 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. I want the fraudulent accounts removed immediately because they hurt my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I received a text inquiring if I made or authorized a {$550.00} expenditure at XXXX XXXX  It looked like notification from the bank ( Wells Fargo ( WF ) ). I responded no. A few minutes later I received another text thanking me for the response and an agent will contact me in a few minutes. I received a call, verifying first/last name, last 4 digits of SSN, etc. The " agent '' very reassuring asked to verify last 3 purchases and ending balance after transaction. " Agent '' stated verifying Account to close and open new account. Transaction handled through XXXX for {$500.00}. I was at work, I'm a nurse and did not have time to go to a branch to withdraw/transfer. Arrangements were confirmed to to transfer via ATM after work. 
I did pull out {$2000.00} dollars out of my account so it could be closed and deposited into new checking account. Which I was told I would receive I would receive an email with new account info. They walked me through how to convert into the the phone tap payment method. They also walked me through how to change the amount of max daily withdraw from an ATM. 
I did not receive the email. I contacted the bank to follow-up the evening of the 10th after I got off work. That's when I found out there was no record of what I was describing. She did confirm the withdraw of {$2000.00}. I Filed a claim with the bank fraud dept., filed a police report, contacted the State Attorney General, and filed a claim with the FBI. 
I received notification to day from Wells Fargo regarding denying the claim. I contacted WF to find out the procedure such policy appeal/adjudication. I was told they don't have such a policy.

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 2024-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation