vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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, other than records of convictions 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 non-monetary relief
Consumer complaint received 2024-06-07 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:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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, other than records of convictions 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 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 2024-06-07 00:00:00
Product: Mortgage — Conventional home 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: CA

Complaint narrative:
Shellpoint Mortgage has been sending me letters for months now, threatening to purchase lender-placed insurance on my condo, but I have my own insurance, which legally prohibits them from doing so. 

They have pretended to provide ways for me to submit my proof of insurance, and I have tried to submit my insurance to them via all these ways. They include : * a login to their website which requires an XXXX  authentication code that never arrives on my phone * an upload URL which claims to " time out '' once I have uploaded the documents * a " fax number '' which I faxed the documents to and of course never received a response * an email address to which I sent the documents to and never received a response Providing broken channels for document submission is a transparently fraudulent attempt to obtain justification to purchase the forced insurance which is presumably a very profitable business line for Shellpoint. 

I respectfully ask the CFPB to make Shellpoint Mortgage desist from this time-wasting and predatory form of financial fraud. Not all borrowers will be as clear about their rights as I am, and may end up falling victim to the scam and being XXXX XXXX XXXX  poorer per year as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX  XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-06-07 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: NY

Complaint narrative:
I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This was never a charge off account and the historical data reported on my file with XXXX is not accurate. I have uploaded emails from the Branch Manager stating this was never a charge off account. Furthermore, this account continues to report CO ( charge off ) on XXXX file which is grossly inaccurate. In addition, upon review of my most recent credit report via free annual credit report, I found account ; PenFed listed with multiple inaccurate data. This account shows an open date of XX/XX/XXXX with no payment history listed up until XX/XX/XXXX with no data reporting in the year XXXX XXXXXXXX. The account starting reporting charge off status starting in XXXXXXXX XXXX XXXXXXXX. The account starting reporting paid on time in XXXX and XXXX XXXX XXXXXXXX than 30 days late in XXXX XXXX XXXXXXXX. The account starting reporting paid on time starting XXXXXXXX XXXX XXXXXXXX up until XXXXXXXX XXXX XXXXXXXX. There is no reporting activity beyond XXXXXXXX XXXX XXXXXXXX up until XXXXXXXX XXXX  XXXX. Furthermore, the account states paid and closed. However, it is also reporting charged off, how can this account reports paid and closed, paid on time and reporting charged off all at the same time. This type of inaccurate reporting history has had a huge burden on my credit file and credit worthiness and my ability to obtain credit resulting in credit applications denials. I have attached all correspondence with the PenFed Branch Associate who made attempts to correct this issue, but it seems it was not complete. I have spent years trying to correct this matter.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
As a resident of XXXX I attended a conference in XXXX XXXX XX/XX/year>. Some agents in front the XXXX XXXX  were giving away free tickets to a XXXX XXXX XXXX XXXX in order to receive the tickets they advised not much but a XXXX tour which turned into XXXX hours with video presentations & was in fact ( XXXX XXXX XXXX XXXX  ) a timeshare company selling vacation travel. 
After presentation ( XXXX XXXX agent ) advised me that opening a new rewards credit card with American Express Hilton honors points card I will receive XXXX points with discounted rates on travel, flights hotel and other expenses. I only agreed to open the credit card to receive rewards. 

Furthermore paid {$190.00}. with my debit card for local 3 day trips only. met with ( XXXX XXXX manager ) I was curious about the cancellation process I asked what is the policy? He stated 14 days from today. When i arrived back to XXXX i review the agreement & see it says within 7 days to cancel, ive tried numerous times to contact anyone 's number or email with attempts to cancel they were also giving me the run around saying I can not cancel. I spoke to one woman who stated I have 3 days before I can cancel she gave me a number to call. I left a voice message and multiple emails about canceling and did not receive a response until days later stating it is too late to cancel they will investigate.

The last email response was you can not cancel it is too late there is nothing we can do for you even while I'm explaining about ( American Express hilton honors ) credit card was processed without my knowledge or consent. For {$4400.00} which is Not at an {$4700.00} I tried reaching out to American Express fraud department numerous times agent ( XXXX & XXXX ext XXXX ) explaining what happened they insisted I go back to XXXX and file a police report which I was not able to do. Where they left me with no assistance whatsoever. now I am stuck in the process of going the court with American Express suing me for an unpaid balance I never authorized with consent or had knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
am writing to file a complaint against Capital One regarding the improper closure of my account. While I was traveling, Capital One restricted my card. Since I did not have the physical card with me, I provided my ID through their digital system. Despite this, Capital One abruptly closed my account. ( capital venter card XXXX XXXX XXXX XXXX ) Capital One claims that on XX/XX/XXXX at XXXX XXXX someone confirmed that the application for the card was fraudulent. However, I never received any call from them, which I verified by checking my call log. I am confident that they mistakenly contacted someone at my old address who is not me. This person likely responded incorrectly due to a lack of proper identification verification from Capital One. 

I requested information on which number Capital One called, but they refused to provide any details. Furthermore, they permanently closed my account and card, demanding that I fulfill my financial responsibility without offering any clear explanation or an opportunity to address the issue. 

I believe this situation arose due to a failure in Capital Ones verification process. If they had properly verified the name and birthdate, this issue would not have occurred. This has caused significant inconvenience, especially since I am currently traveling. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in resolving it. I seek re-evaluation of the account closure, a detailed explanation of the investigation process, and ideally, the restoration of my account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : DOE XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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, other than records of convictions 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 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 2024-06-07 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: NC

Complaint narrative:
I XXXX XXXX XXXX, recently acquired a credit report from Experian and XXXX on XX/XX/year> and Noticed the statements are incomplete and inaccurate in accordance to the Fair Credit Reporting Act. 

Whereas, 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. 

These accounts XXXX XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C . 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

These accounts XXXX XXXX XXXX Account # XXXX, are not complete and accurate according to 15 U.S.C. 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately. 

XXXX XXXX XXXX  Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted 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 explanation
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX 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 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez LLC is my Mortgage servicer and I applied for Mortgage relief through California Mortgage reliefprogram ( CMRP ). On Newrez LLC website Newrez LLC has advertised all over that they will support its cus-tomers if they are going to apply for home State relief fund but in real life their target is to foreclose on myproperty and take over on my property, advertisement on their website regarding participating in State relieffund is just a drama. I applied for two times to get relief from XXXX, but both the time due to Newrez LLC notcooperating, I was denied and now the program is closed. On top of that their attorney XXXX XXXX, CA XXXX XXXX. # XXXX contacted me and started humiliating me, has no manners how to speak to another in-dividual, very condenscending and she thinks she is superior than other people, I don't know how can a per-son like this become an attorney. Newrez LLC intentionally hired an attorney like this so that she can insultand humiliate me. 
Newrez LLC is discriminating against me, and doesn't want someone to enjoy a house of their own, they justwant to foreclose on properties so that they can make money. 
I don't know why they have put so many advertisements on their website regarding receiving state relieffunds when there intention is not to cooperate with the State relief fund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation