vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: OH

Complaint narrative:
Trans Union and XXXX are refusing to address this problem. They are completely refusing to report my XXXX Credit Card which is causing significant damages to me financially. This unethical lack of attention and accountability is beginning to approach 1 year now of inaccurate reporting and financial damage. 

XXXX XXXX  has REPEATEDLY requested these two bureaus accurately report my account, and we have been met with silence. This is my last attempt at resolving this issue on my own.

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 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home mortgage was sold to Shellpoint Mortgage Servicing earlier this year. In the last month or so I've received 2 letters telling me they don't have proof of hazard insurance for our property and will be taking out their own policy. I've had hazard insurance since XXXX. My insurance company has submitted proof of insurance 3 times this year. Shellpoint continues to deny they have received it. Now they have sent me a letter telling me they are adding a {$640.00} escrow fee to my mortgage payment to cover hazard insurance that I already have. 

My insurance agent sent another copy of my hazard insurance policy today ( XX/XX/XXXX ). I followed up with a phone call today and after a long time on hold was told they still don't have any proof of insurance. 

Please tell me how to proceed to prevent pay this unnecessary escrow fee.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-10-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried to obtain my three XXXX on XXXX on XX/XX/XXXX and tried again on XX/XX/XXXX and the only one I was able to obtain was XXXX. The other ones flagged me for not being able to identity myself. The answers I gave were correct to my knowledge. I originally went to obtain these reports through identitytheft.gov due to someone taking my taxes the last three years and someone opening continuous fraudulent bank accounts, checking, saving, etc., etc. in my name the last couple years. I need this proof to also submit to a XXXX data breach which was where my taxes for XXXX, XXXX, and XXXX were deposited into with a fraudulent account. I've been waiting for a while now, so if you can assist me and help me that would be awesome. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

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 explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Jefferson Capital System LLC XXXX XXXX XXXX XXXX IL XXXX Subject : Cease and Desist from Unwanted Call Dear Jefferson Capital System LLC I am writing to formally request that you cease and desist from calling me regarding my alleged debt. Despite my previous requests to stop these communications, you continue to contact me at XXXX These calls are unwanted and disruptive. If you do not cease all communication within 10 days ( XX/XX/year> ) l will report your actions to the appropriate credit bureaus and may pursue legal action for harassment.

I expect your immediate compliance with this request.

Code 15 U S C 1692 ( c ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I am not sure why this is being collected or what its regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data 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. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TN

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
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, two charges were debited from my checking account, both from the same merchant. XXXX XXXX XXXX XXXX processed a charge in the amount of {$56.00}, and {$56.00}. I only authorized one of the charges and called Chase to dispute the other since no goods or service was provided to me personally for the second charge. Chase provided a temporary credit. On XX/XX/year> Chase reversed the credit and caused my account to overdraft, putting my account negative. I called and spoke to two representatives and demanded to have the credit placed back into the account since it's obvious that the merchant is making unauthorized charges. Chase refused to uphold my federal banking rights to effectively dispute erroneous charges through my Visa debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy.

The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. 

The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. 







FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). 

Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The information is, in fact, inaccurate. 

The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The information is, in fact, inaccurate. 

No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 

2. Prohibition : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person **knows or has reasonable cause to believe that the information is inaccurate XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX accts XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX and Equifax are refusing to address this problem. They are completely refusing to report my XXXX Credit Card which is causing significant damages to me financially. This unethical lack of attention and accountability is beginning to approach XXXX year now of inaccurate reporting and financial damage. 

XXXX XXXX  has REPEATEDLY requested these XXXX bureaus accurately report my account, and we have been met with silence. This is my last attempt at resolving this issue on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EQUIFAX, XXXX, et al ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX Dear EQUIFAX, XXXX, et al ], I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading. 

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance. 

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections XXXX month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit. 

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA . ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required XXXX  days and provide me with the results. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ] [ Your Signature ( if sending by mail ) ] [ Enclosures : Copies of supporting documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to obtain my XXXX annualcreditreports on XXXX on XX/XX/XXXX and tried again on XX/XX/XXXX and the only one I was able to obtain was XXXX. The other ones flagged me for not being able to identity myself. The answers I gave were correct to my knowledge. I originally went to obtain these reports through identitytheft.gov due to someone taking my taxes the last XXXX years and someone opening continuous fraudulent bank accounts, checking, saving, etc., etc. in my name the last couple years. I need this proof to also submit to a XXXX XXXX XXXX which was where my taxes for 2023, 2021, and 2022 were deposited into with a fraudulent account. I've been waiting for a while now, so if you can assist me and help me that would be awesome. Thank you.

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 2024-10-08 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this XXXX. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
A XXXX XXXX collection appeared on my credit report, the account is in XXXX  and I have never lived in XXXX. I informed the collection agency and XXXX that I have never had a XXXX  account and it was fraudulent. Collection agency stated earlier this year they would remove the collection but have not. The account is fraudulent but no one is willing to investigate and the account remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-10-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was a victim of multiple XXXX XXXX, after further review I have noticed this account that I have no recollection of obtaining. Please remove the account from my credit report as it is impacting my credit profile negatively.

Company response to consumer: Closed with explanation