vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-06 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
It has been since XXXX of 2024 that Newer has been " performing/conducting '' an escrow analysis. I provided my XXXX rating to them in XXXX of 2024, they never called back to say more was need to complete my XXXX XXXX to reduce my mortgage. I learned through another veteran that I need to submit a XXXX balance tax bill, which I submitted via my mortgage/loan services portal around XXXX. I was told, when I called, that they would need to do an escrow analysis and it could take XXXX days. I waited XXXX months called back, they still hadn't completed or either shown progress on the escrow analysis. So the rep, I talked to stated he would request an escrow analysis as it looks like nothing was requested. My mortgage is still not reflecting my tax exempt status nor have I received my excess escrow funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MS

Complaint narrative:
These inquires are unauthorized and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: PA

Complaint narrative:
Dear Equifax and CFPB, I am writing to formally address significant inaccuracies and misleading information in my recent credit report that require immediate attention and correction. The presence of outdated, unverified, and erroneous data not only misrepresents my financial standing but also poses a detrimental impact on my creditworthiness. 



The following discrepancies have been identified in the report : 1. **Misleading Descriptions** : The report includes vague entries under critical fields such as " Date Opened, '' " Balance, '' and " Payment Status. '' The ambiguity of these terms can mislead consumers about their actual financial obligations and responsibilities. 



2. **Outdated Information** : The report lists a " Last Reported '' date of XX/XX/XXXX, while the " Date Last Active '' and " Date of Last Payment '' are recorded as XX/XX/XXXX. This inconsistency raises significant concerns regarding the accuracy and timeliness of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reports be accurate and up-to-date. 



3. **Inconsistent Account Details** : The report documents an account balance of {$5800.00} alongside a high credit amount of {$0.00} and a derogatory status. This conflicting information creates confusion and undermines the reliability of the report. 



4. **Inaccurate Payment History** : The two-year payment history is presented in a manner that lacks clarity, making it difficult to assess my actual payment behavior. Such unclear reporting can unjustly affect my credit score and overall financial reputation.

5. **Consumer Rights Violations** : The inaccuracies present in this report are in direct violation of my rights under the FCRA, which protects consumers from the reporting of incorrect, misleading, or unverifiable information. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) entitles me to dispute inaccuracies and seek validation of reported debts. 



Given the severity of these issues, I kindly request that Equifax initiate an immediate investigation into these discrepancies and take corrective action to delete the erroneous information from my credit report. The inaccuracies in this report could significantly harm my financial health, and it is imperative that my credit report reflects accurate and verified information. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-06 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:
Tried to send in dispute filed a report with FTC and nothing has been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: OH

Complaint narrative:
Tried to send in dispute filed a report with FTC and nothing has been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
This is in regard to Southeast Toyota finance out of XXXX Alabama, I have had recent issues with my credit score being wrongfully lowered due to inaccurate information being place on my credit account by Southeast Toyota Finance. My score had dropped down almost XXXX points due to non posting of payments! I have constantly made my payments on time, but XXXX, XXXX, and XXXX of 2024, they have posted that I have been late with my payment. I will be uploading all of my payments for the entire year of 2024. Hopefully you will see the inaccurate information that has been place on my account therefore lowering my credit score! I have also been harassed by different representative after I have already made payments for those months! I received a notice in the month of XX/XX/year> for a right to cure my automobile! Then in the month of XX/XX/year> saying if I didnt pay a certain amount, they were going to charge my account off because, they said I didnt respond to a letter that they never sent me within 10 days! So I requested that they resend this letter that I never received! So I received another letter on XXXX the XXXX dated XXXX the XXXX 2024 stating that I owed an amount of {$1000.00}, which is not true! They have been saying this since XXXX of 2024 and I have made several payments since then, and you will see this in my documents that I will be uploading that I have been making my payments! They also took XXXX $ away from my, and put it towards something else, but this was supposed to be for my XXXX car payment! This is what the representative told me! My actual balance should be a little over {$300.00} dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never requested a benefits card. I prefer direct deposit, but was not offered that option. 

I activated my card, and and immediately transferred a test transfer of {$25.00} to my bank account. That landed the next morning, so I transferred {$5000.00} to my bank account. The next morning I checked on that transfer to find that Money Network had reversed. No explanation was given on the website. I called in and was told that my account, less than 24 hours old, had been flagged for closure by Money Network 's Fraud department. I was told there was suspicious activity, though the rep said that she could not tell me what that suspicious activity was. I asked to speak to her supervisor, then that supervisor 's supervisor, who was finally able to tell me that the fraud department had found my card number on the dark web. 

Now I had had the card less than 24 hours, used it for no purchases, and it had never left my house. The number had to have leaked before I even received the card. The only resolution Money Network offers is to close the account and mail a check, which will arrive in 10-14 days. The balance on my card is almost {$13000.00} and I can not wait 10-14 days to receive that money. But money network refused to allow me to transfer the funds to the bank account I had set up ( in the same name as is on the card ). They also refused to expedite the check delivery, and refused to offer over night service. 

I'm left waiting on my money while Money Network holds it for an extra two weeks, earning interest on it.

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 2024-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Good afternoon, I have previously submitted a complaint on 2 late payments ( XXXX XXXX XXXX on our credit history from Mr.Cooper /NationStar/ XXXX XXXX . Much of the information in the response contradicted itself in their letter. One being that we were informed of a payment change in XXXX ( which is true ) ; however, that was not effective until the XX/XX/year> payment. It states that in the response from Mr.Cooper. I responded back to their response stating that information through out the letter was inconsistent and asked for someone to look at the case again. I did not get a second response and the case was closed. I'm asking that someone please read thru the information provided again. We have been informed by several mortgage companies that what they did was wrong and needs to be addressed. Attached you will find responding letters, Mr. Cooper 's Letter, etc. Thank you looking into this for us. It's devastating to work so hard on your credit, only to have something like this destroy all your hard work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
To Whom It May Concern : This account was charged off on the following date ( XXXX of 2021 ). Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history every month. A charge off account should not include an active payment history. This inaccurate information falsely manipulated the statues of limitations and negatively impacted my ability to receive credit in the future. You failed to investigate this account properly for over XXXX years and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX : XXXX I previous filed a complaint with CFPB ( XXXX ) ( XXXX ) reference this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Was fraudulently charged XXXX for purchase never made nor received on card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-06 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to lift the Security Freeze on my Credit check with Equifax. 

I have an account with Equifax. 

I am unable to use the website or the app to log in to remove the freeze. This situation has been persisting now for over a week ( today is XXXX XX/XX/year> ). 

I tried the " Chat '' function on the website, and it says it will direct me to an agent, but this never actually happens. 

I then tried the telephone service to deactivate the freeze, but the IVR system becomes non-responsive mid-way through the process, so even this is not possible. 

Then I phoned the telephone support line, and wainted in the queue for a very long time and also was never helped. 

I am unable to refinance my mortgage without unlocking my credit freeze at Equifax, and this IS VERY VERY SERIOUS to me. 

I request that Equifax most urgently reaches out to me to resolve this issue. 

Also, I request most urgently that Equifax resolve their App and Website problems so one can use the services online - reliably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
These inquiries are not related to me, and I am not associated with the creditors listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit Control , LLC XXXX XXXX XXXX XXXX  violated the cease and desist letter sent OnXX/XX/2024 to XXXX XXXX XXXX XXXX Debt Collector License Number : XXXX XXXX. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this sub-chapter with respect to any person is liable to such person in an amount equal to the sum of XXXX  ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} XXXX. TERMS & CONDITIONS plus a XXXX XXXX interest rate on unpaid balance, plus {$50.00} per day for nonpayment, plus a {$100.00} billing fee. 
Notice : Failure to send payment, within XXXX ( XXXX ) days of the date shown above, is regarded as your acceptance of these terms and your agreement to compensate me as indicated above. 


and i sent Contract with Debt Collectors Demand Notice a Recession and Creation of a New Contract dated XXXX XXXX, 2024, giving Credit Control XXXX  days to respond, which they never did, the contract is binding for non response, they owe me {$500.00} a month plus interest for late fees

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 2024-09-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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