vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for a XXXX credit card cobranded by Citibank. On XX/XX/year>, they sent a letter to me denying the application. I called them and they could not tell me why denied and said to contact XXXX. The phone numbers for XXXX did not allow a selection to resolve the fact that my XXXX XXXX is incorrect, XXXX points lower than XXXX and XXXX. I have sent letters to XXXX and Citibank and copied XXXX because there is no way to speak to a human at XXXX. And unable to get through to Citibank corporate offices. XXXX at Citibank XXXX XXXX refused to provide me answers about XXXX XXXX policy or XXXX XXXX requirements. She would not give me her last name, ID or allow me to speak to a supervisor. 

I have previously complained to XXXX about their reporting XXXX XXXX of XXXX when XXXX and XXXX scores are XXXX XXXX. Their responses did not explain the discrepancies. ( See CFPB complaints XXXX and XXXX ) The lack of transparency by Citibank and XXXX is XXXX. The CFPB should require them to provide the specific reasons for denial of credit applications and why denied by using ONLY the incorrect, low score provided by XXXX. 

See attached documents with details and proof of credit scores.

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 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX Radius Global Solutions has an collections account reporting on my credit in the amount of {$270.00} for an account i did not authorize or initiate. 
the account was opened 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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:
I noticed that my inaccurate accounts is still in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
I noticed that my inaccurate accounts is still in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: NV

Complaint narrative:
Contacted Credit Management Company by phone on XX/XX/XXXX, they advised me this will ruin my credit if I do not pay in full and their company will sue me for additional money on this account. I requested debt validation without any communication since from Credit Management Company. My medicaid paid every medical bill I had outstanding and this debt is not valid. They can not double collect on one account, however, they have failed to validate the account, threatened me and acted upon their threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: IL

Complaint narrative:
I sent in a dispute on XX/XX/XXXX and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

I have outlined the disputed accounts in my previous correspondence with TransUnion : XXXX ( Original XXXX XXXX XXXX  ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX : Account number XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX Account number : XXXX XXXX | XX/XX/XXXX : Inquiry XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number 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 non-monetary relief
Consumer complaint received 2024-07-09 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Caine & Weiner 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, often than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Ive spoken to Santander. They explain to me they will not remove old debit. From 10 or more years ago. This is effecting me buying a new car for my wife and kids. There holding up me updating my Credit Report. There holding my account hostage. I can't update address cause they refuse to let me change my address. I don't live at that address. That address is from XXXX ago. 
Ive spoken on the phone with XXXX. Plenty of times. They Refuse to update my address because of Santander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MO

Complaint narrative:
I called the Experian and spoke with a XXXX but she refused to removed all other addresses that are not my current address. According to the FCDA, all incorrect information must be removed from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

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 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have had this very high interest loan and just can't seem to get it paid down. They have the title to my car but it doesn't even come close to the payoff amount. Onemain is the company. Every time they recommended a new loan they added a bunch of fees and I have never been able to pay down the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: MN

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: IL

Complaint narrative:
I sent in a dispute on XX/XX/XXXX and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

I have outlined the disputed accounts in my previous correspondence with XXXX : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX : Account number XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX Account number : XXXX XXXX | XX/XX/XXXX : Inquiry XXXX XXXX ( Original XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
CFPB Complaint Division, On XX/XX/XXXX, I contacted Shellpoint Mortgage Servicing to alert them of life circumstances that I was contending with and I was seeking their support to secure a loan modification. 

XXXX XXXX, Shellpoint XXXX was assigned and did nothing to assist me other than advising me that my modification had been denied and that I needed to make my payments???? 

Throughout XXXX, or more specifically, XX/XX/XXXX, my Family had several XXXX XXXX deaths, which has significantly affected my financial position and has createda financial strain which I am bouncing back from... 

I was being proactive by reaching out to XXXX as per their instructions only to discover what tangible options were available for me to consider.. 

My primary directive of this email communication was to see what available mortgage loan options ( i.e. loan modification ) that exist, to assist me manage my debt. 

I want to reiterate that I have never been tardy on any outstanding liability, let alone my mortgage. 

I advised Shellpoint that I was trying to organize my finances after taking on unplanned debt, or more specifically my Brother 's hospital/medical/sustained assistance due to several limb amputations, and no health insurance, for the multiplehis surgeries. 

Some type of mortgage payment deferral or pause for XXXX and XXXX would have allowed me to get back on track, but was told by my Shellpoint XXXX, XXXX XXXX that there was nothing they could do given I was not delinquent and to reach back out to them when I was??? I did. 

At their direction, I completed the loan modification paperwork XXXX ( XXXX ) times and provide a list of normal monthly household expenses with supportingdocuments for the following : Utilities - {$700.00}, Revolving - {$800.00}, Installment- {$970.00}, and household - {$350.00}, XXXX landline telephone - {$130.00} Internet ( for working remotely ) - {$89.00} Cellular phone - {$91.00} Medical prescriptions - {$200.00} Doctor office co-pays - {$90.00} Gas - {$80.00} and Auto Insurance- {$75.00}. 

I remind you I started this process XX/XX/XXXX, I am still trying to complete this and Shellpoint Mortgage has been non responsive. 

I intend to bring my mortgage current XX/XX/XXXX using XXXX loan proceeds, but Shellpoint is unaware given they have stopped trying to communicate? 

Much appreciation for your assistance in this horrible experience. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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 writing to address a serious issue regarding my credit report. Upon reviewing my recent credit report, I discovered an unauthorized inquiry listed under my name, This discovery is deeply troubling as it suggests potential identity theft and unauthorized use of my Social Security Number ( SSN ) As a victim of identity theft, I take the security of my personal information very seriously. I have already taken significant steps to protect my identity, including closely monitoring my accounts and promptly reporting any suspicious activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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