vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I need your support to address the inaccurate account showing on my credit report. This situation has affected my reputation as a customer, and I am requesting your help to remove these false and harmful accounts.

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 2024-12-10 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: VA

Complaint narrative:
I, XXXX XXXX, discovered numerous violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable U.S. laws, all of which require immediate correction and resolution. Specifically : Willful Noncompliance ( 15 U.S.C. 1681n ) : Credit reporting agencies accepted and reported inaccurate or unverifiable information about me without ensuring its accuracy, exposing them to civil liability for each violation.

Failure to Disclose Opt-Out Rights ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ) : They did not inform me of my right to opt out of having my personal information shared, violating my consumer rights.

Furnishing Deceptive Information ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) : Incorrect inquiries and accounts were reported on my credit file without proper validation, including adherence to Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Harassment and Misrepresentation ( 15 U.S.C. 1692d, 1692e, 1692f ) : Debt collectors inaccurately reported debts and accounts without my authorization, causing unnecessary distress. 

Unauthorized Third-Party Disclosures : My personal debt information was unlawfully disclosed to third-party agencies, violating restrictions on acquiring and sharing location and debt-related information. 

Deceptive Reporting of Late Payments : Entities inaccurately reported late payments without defining or verifying the criteria for such a designation, creating an inaccurate reflection of my creditworthiness. 

Failure to Accurately Determine Finance Charges : Credit reporting agencies failed to correctly calculate finance charges related to my accounts, violating their obligations.

Unauthorized Credit Reporting ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : Hard inquiries and other reports were added to my credit file without obtaining my explicit consent, breaching permissible purposes for consumer reporting.

To address these violations, I have outlined specific actions required, including the removal of incorrect personal information, updating of accounts to reflect accurate payment histories, and validation of all alleged debts under 15 U.S.C. 1692g. Unauthorized hard inquiries and unverifiable accounts must also be deleted promptly. If compliance is not achieved, I am prepared to pursue all legal remedies available to me under the FCRA and related laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage Servicing applied the false lender paid insurance on my monthly mortgage payments since XXXX. Shellpoint claimed the reason for charging XXXX XXXX monthly lender paid insurance on my mortgage due to not able to receive the subject condo master insurance binders from the condo management company. As soon as I found out about these unreasonable charges, I contacted Shellpoint immediately and clearly stated that I should not be responsible of paying these false lender paid insurance because the subject condo project does have valid master insurance policies in place at all time. I noticed Shellpoint multiple times that I refused to pay these false XXXX XXXXXXXX monthly lender paid insurance premium and I will not pay any related late payment charges caused by the false lender paid insurance premium. In the meantime, I made the monthly mortgage payments to Shellpoint on time every month for all principal, interest, taxes and home insurance premium. On the other hand, I contacted the condo management company to request the valid/current condo master insurance binders and the condo master policies for the previous two years and sent them to Shellpoint. Shellpoints representatives promised all the false lender paid insurance premium and related late fees will be removed/waived as soon as they have finished reviewing the condo master insurance policies. Shellpoint made the mistakes not applying and crediting my monthly principal, interest, taxes and home insurance premium mortgage payments on my mortgage account properly and treated my payments as partial payments instead of full payments which in result to ruining my mortgage payment histories and credit histories by reporting my mortgage payments as 30-day late/behind to all XXXX  major credit bureaus. Shellpoint sold my mortgage loan servicing to XXXX XXXX XXXX in XX/XX/XXXX with all the false information without correcting their mistakes caused by the false lender paid insurance premium, related late fees and treated my on time mortgage payments as partial payment instead of full payment.

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 2024-12-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2024-12-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal Inc ( Ca XXXX of XXXX No XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX sent me a statement dated XX/XX/XXXX stating that they haven't received my XX/XX/XXXX payment for XXXX. They also charged me a {$41.00} late fee on XX/XX/XXXX. I contacted my bank that the cashiers check was drawn on and had the bank to send me a copy of the cashiers check that was cashed by XXXX Bank posting XX/XX/XXXX. Paypal did receive my payment and I am not sure whose account they credited my payment to. I do not owe {$240.00} payment as they have stated with any late charge. I make my payments each month timely. I pay at the beginning of the month even though the payment is not due until the XXXX of each month. XXXX XXXX XXXX XXXX  is reporting wrong negative things against my name and my credit. Please make them go back and find out whose account they credited my payment towards. This is clearly their mistake. 

A XXXX XXXX XXXX  complaint was also submitted against this company. They have all these complaints filed against their company ; XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2024-12-10 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: VA

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 breach. 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 2024-12-10 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-12-10 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: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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.

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 explanation
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. 
TransUnion, please delete the following accounts : XXXX, {$340.00}. DEPTEDXXXX  {$3500.00}. DEPTEDXXXX {$3900.00}. DEPTEDXXXX, {$4200.00}. DEPTEDXXXX, {$3900.00}. XXXX, {$0.00}. XXXX XXXX, {$0.00}. XXXX  XXXX, {$500.00}.

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 2024-12-10 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: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-10 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 am filing this complaint in regards to the information you have furnished on my consumer report as of XX/XX/year>. You responded on XX/XX/year> to my initial request for an investigation stating that the information had been verified. Thats impossible because I have never entered into a consumer contract with any of these data furnishers. I noticed that you have violated federal law 15 USC 1681a ( 2 ) ( b ). Your negligence has prevented me the right to extend credit and as a result, I have been a victim of discrimination. See attachments for proof. As a consumer reporting agency you are required to evaluate the information you furnish about me before adding the information to my consumer report. Your agency is now put on official notice of these violations, which makes you liable. Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation.You have directly reported information that has resulted in my defamation of character. The deceptive information you furnished has led to creditors and employers believing that I am in debt, even though you have failed to provide adequate proof. I have documented evidence based on the fact that they are violating 15 USC 1692j ( a ) Your company has caused extreme financial and emotional hardship for me and my family. According to 15 USC 1681 ( o ) you are liable therefore I am granting your company the chance to rectify this matter by doing the following. 

The immediate deletion of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is regarding complaint # XXXX. This was filed on XX/XX/XXXX, and I have not gotten this issue resolved. The account was paid in full on XXXX, payment was posted on XXXX, and since then, Synchrony Bank has charged me additional fees from XXXX through XXXX. On XX/XX/XXXX, I was charged {$81.00} for interest, and on XX/XX/XXXX, I was charged {$67.00} for interest also. I called them on XX/XX/XXXX and was credited the {$67.00} however, they refused to credit me the {$81.00}. Before paying off the account in full on XX/XX/XXXX, I called and spoke to a customer service representative who told me the amount owed was {$3000.00}. 
Synchrony Bank closed my account without just cause, and since they took over the XXXX store credit card in XX/XX/XXXX, I was asked several times by the bank to close my account and declined each time. Therefore, I am not surprised they closed my account without cause. I do believe Synchrony Bank is discriminating against me based on RACE. I do know of many individuals ( XXXX ) ) whose account was closed by this bank. This is an issue that needs to be addressed.

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 2024-12-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted XXXX to correct and erase the charge off balance on the account listed below. They claim they are reporting correctly but they are not. They put a charge off on the account on XX/XX/XXXX. But the account was charged off in XX/XX/XXXX. They just added the charge off once my account was paid in full through garnishment. See attached. I want this account removed from my credit report the date of first delinquency was XX/XX/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