vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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 father passed away in XXXX. His name was originally and is still on the mortgage loan. The Grant deed/Title was transferred to my name about XXXX  years ago. I am the lawful owner of the property. When my father passed, I informed the mortgage company and submitted the death certificate and the copy of the title. 
During the storms in California early XXXX my property was damaged with water. I called the home insurance company and filed a claim. The inspector came out and they approved my claim. The insurance mailed out a check to the Estate my fathers name, my name and mortgage company. When I explained to the mortgage company that there is no estate account and I would not be able to cash the check for the repairs, they reassured me that I had to mail the check back to them and they would put it in an escrow account and would be able to reissue a check to only my name. Its been XXXX months waiting and calling them on a weekly basis, for them to mail out a check to the estate of my father. I have called them and asked them to please help me and now the loss and draft department is saying that the account in an estate and they can not do that. Every time I call its a different story by different representatives. Please help me, my roof is deteriorating as time continues to pass and I need to repair the storm damages. We are in XXXX season and expected rain soon. Please help me. I had tried to explain this situation to the insurance who issued the check for repairs but unfortunately they will not take off the Estate of My fathers name. Thank you.

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: 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or About Late XXXX XXXX XXXX Someone Committed Fraud on My Account Transferring Money to Unknown Accounts and ATM WITHDRAWALS All Together BoA Let Them Take Out Around {$26000.00} I Sent Them All The Information They Asked For just For My Account To Be Frozen Every Time it Is Now XXXX Later an they Have not Given me Anywhere Near That Im Tired of My Claims Being Denied An Them Blaming Me For Their Mistake

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 
and according to 15 USC 1681s-2 they are suppose to 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. This debt is NOT mine and needs to be removed immediately from my credit report. 
the account from XXXX XXXX XXXX date opend XX/XX/year> acct # XXXX that is in collections, and XXXX XXXX XXXX opened XX/XX/year> acct # 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 
and according to 15 USC 1681s-2 they are suppose to 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. This debt is NOT mine and needs to be removed immediately from my credit report. 
the account from XXXX XXXX XXXX date opend XX/XX/year> acct # XXXX that is in collections, and XXXX XXXX XXXX opened XX/XX/year> acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
I submitted multiple requests to remove inquiries not requested by me and not given correct information in my name with lenders. TransUnion did not remove the inquiries. I called and spoke with them to remove them, but they still have not.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within XXXX  days. Attached are the relevant documents for your reference.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within XXXX  days. Attached are the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC
State: UT

Complaint narrative:
was preapproved for a lower interest rate then the rep tried upping the interest rate to over 30 % almost a 15 % jump XXXX  these bait and switch companies will be filing a complaint. Terms were double the interest and fees waste of credit inquiry should be illegal business practices. Want the company to offer an apology and to remove any credit inquiries from all credit reporting agencies. Would also request for all my personal and financial information to be removed from their databases and to stop bait and switching applicants.

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase Bank began holding funds in my account due to a need for verification of the makers of certain checks deposited into the account in the amount of {$11000.00}. Despite my efforts, the verification process has been only partially successful. 

Chase Bank closed the account in XX/XX/year>. 

Verification Status : Out of XXXX check makers, I successfully verified XXXX ( approximately 83 % ). 

However, XXXX check makers remain unverified for the following reasons : XXXX check maker has moved out of the United States, and I have been unable to locate them. 

The other check maker is currently in a XXXX home and unable to complete the verification process. Chase Bank has stated that they can not accept information or contact numbers outside of what is already in their system. 

Chase Banks Position : Chase has indicated that, unless all check makers are verified, the funds will not be released. 

Alternatively, they have stated that after approximately XXXX years, the unclaimed funds will be transferred to the states unclaimed property division, and I will need to reclaim them through the state. 

Efforts to Resolve the Issue : I have made significant efforts to verify the remaining XXXX check makers, including attempts to contact them through various channels. However, due to their current circumstances, these attempts have been unsuccessful. 

I have documented the verification of the other XXXX check makers and can provide this documentation upon request.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Credit Reporting Violations by Equifax, XXXX, and XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the XXXX major credit reporting agenciesEquifax, XXXX, and XXXXfor ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite numerous certified letters I have sent, with verifiable tracking numbers as evidence, these agencies have failed to address or correct the inaccurate information they are reporting on my credit file. 

These actions directly violate 15 U.S.C. 1681b, which mandates that credit reporting agencies must only disclose consumer information for permissible purposes. Additionally, they contravene 15 U.S.C. 1681g and 1681i, which require agencies to provide accurate reporting and conduct proper investigations of disputes. By continuing to report inaccurate information, they have also failed to comply with 15 U.S.C. 1681e ( b ), which obligates them to maintain maximum possible accuracy. 

I also invoke my rights under 15 U.S.C. 1681g ( commonly referred to as Section 609 ), which allows consumers to request detailed disclosures of the information on file and its sources. I have repeatedly requested these details to identify the root of the inaccuracies, but the agencies have either ignored these requests or failed to provide adequate responses. 

The consequences of these violations have been severe and detrimental to my quality of life. Inaccurate reporting has caused significant financial discrepancies, leading to denials for credit and other essential services. This unjust reporting, done without my explicit consent, is a breach of both my rights as a consumer and the fundamental principles of the FCRA. 

I request that the CFPB intervene to : Investigate these ongoing violations by Equifax, XXXX, and XXXX. 
Mandate that these agencies immediately address and correct the inaccuracies in my credit file. 
Impose any necessary penalties to ensure compliance with the FCRA and protect other consumers from similar harm. 
I am prepared to provide certified mail tracking numbers, receipts, and copies of my previous correspondence to substantiate my claims. Being that I am also a business owner, this situation has caused not only financial hardship but also emotional distress, as I am unable to secure basic approvals due to this unlawful behavior. 

Thank you for your attention to this matter. I look forward to your timely assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX

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 was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I contacted Radius Global Solutions, LLC on XX/XX/year> in regards to a credit report pull I conducted showing that I owed money and they were a 3rd party debt collector. On XX/XX/year> I made two separate transactions to clear the debt with Radius Global Solutions, LLC. One transaction for {$1000.00} and received a confirmation number for that transaction and then another transaction for {$92.00} that I also received a confirmation number for. I requested at the time of transaction that I would be receiving something in writing that this account had been paid in full and would be removed from my credit report. The woman I spoke with confirmed they would mail a letter. I requested that a letter be emailed to me instead of mailed physically. She stated, " You don't want us to have your email address, the department that sends those is very busy and they would likely not get to it or you would never receive the letter. '' I was greatly surprised by this statement but instead she assured they would mail the letter physically and I would receive said letter in the mail. Three and a half business weeks later I still have not received said letter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAY, I NOTIFIED CLARITY SERVICES, A CREDIT REPORTING COMPANY I WAS NOT AWARE OF PRIOR TODAY, THAT ALL THE INQUIRIES MADE WERE NOT AUTHORIZED. MY PERSONAL INFORMATION WAS COMPROMISED THROUGH XXXX, XXXX, XXXX AND DARK WEB BREACHES.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
My loan was sold from XXXX XXXX XXXX  to Select Portfolio in XXXX. I had forced placed insurance with XXXX XXXX for years. Select Portfolio sent me a letter to provide hazard insurance but that was handled by XXXX XXXX. Select charged my escrow over {$7000.00} for insurance, increased my payment by {$2400.00} and then pulled that amount out of my account. My normal payment was just under {$900.00}. They also charged my escrow {$620.00} for the new insurance I did get and didn't acknowledge their mistake. Select Portfolio should have reached out to XXXX XXXX to find out that I had forced placed insurance with them, but they did NOTHING. When I called to have it fixed, they told me they " might '' send me a {$1900.00} check back. They then would not waive the fee to make payment over the phone or online. I told XXXX in escrow that I was going to file a complaint with the CFPB and my call got dropped by them. I did not ask to have my loan sold and it is the mortgage companies responsibility to coordinate these things. I'm XXXX XXXX XXXX and had this set up on auto pay. The person then told me to not incure a transaction fee to take the payment to mail it. Even though the account would still show I owed {$2400.00}, to make my new escrow payment of {$960.00}, which I did. I mailed the check over XXXX weeks ago and they have not posted it yet and now charged me a late charge. The escrow was a mistake by Select and should have been fixed right away instead I was told it would adjust in XXXX. The people I spoke to refused to accomodate any assitance. When selling my loan, there should be complete coordination between the parties and I should not be involved other than paying someone else. I would like the CFPB to investigate this and assit with getting my account back on track. Thank you...

Company public response: Company believes complaint is the result of an isolated error
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally follow up on my previous dispute and demand the immediate removal of the erroneous and unrecognized accounts from 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Dear CAINE WEINER COMPANY XXXX ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : XXXX. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f. 
XXXX. Legal basis for attempting to collect, including applicable statutes. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contract or agreement bearing my signature. 
XXXX. Full account history, including charges, fees, and payments. 
Under FDCPA 1692g ( b ), you must provide this validation within XXXX  days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within XXXX  days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally follow up on my previous dispute and demand the immediate removal of the erroneous and unrecognized accounts from my credit report.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally follow up on my previous dispute and demand the immediate removal of the erroneous and unrecognized accounts from 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 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I want to emphasize that this account is entirely fraudulent. Despite my previous attempts to have it removed, including providing all the necessary documentation and information, the account remains on my report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit. Thank you for your prompt attention to this issue. I look forward to receiving confirmation that the account has been remove

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