vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
On XX/XX/XXXX I sent a certified letter requesting validation for an account on my credit report. As of XX/XX/XXXX I have not received the any updated information and my credit report remains the same. Here is the letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX XXXX XXXX XXXX Account Number XXXX / XXXX Dear Sir/Madam, I am writing to formally request validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX ( TransUnion ) Date XXXX : XX/XX/XXXX ( TransUnion ) Balance : {$1800.00} ( TransUnion ) Payment Status : 90 Days Late ( TransUnion ) Legal Basis for Dispute : Under the FCRA, credit reporting agencies are required to maintain and report accurate and verifiable information. Specifically : 15 U.S.C. 1681i : This section mandates that the credit reporting agency must conduct a reasonable investigation to verify the disputed information. If the information can not be verified, it must be removed.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Please provide me with the following information : 1. Validation of the debt, including original creditor and detailed accounting of how the balance was calculated.

2. Copies of any documentation that proves this account and its terms are valid and accurate.

3. The procedures used to verify the disputed account and how it was determined to be accurate. 
If you are unable to provide the requested validation, I respectfully request that this account be corrected or removed from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX XXXX XXXX  '' on my Equifax credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the status indicates " Transfer, Paid, Sold, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XXXX time period our loan was being serviced by XXXX XXXX. We applied for a loan modification and made all trial payments as instructed. In XXXX, we signed, notarized and returned loan modification documentation provided to us by XXXX XXXX. Our loan was subsequently sold to Mr. Cooper. In XXXX our payment was rejected by Mr. Cooper. When we contacted their customer service team, we were advised not to make payment until they could research the situation. In XXXX we contacted Mr Cooper customer service team member who said she could not find our loan modification documentation. We were instructed that we would be contacted in XXXX. On XX/XX/year> a Mr. Cooper customer service representative told us for the first time that they had located our loan modification documentation and that the loan modification had been rejected. This was the first indication we had received that the loan modification had been rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX XXXX XXXX XXXX  '' on my Equifax credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the account status indicates " Transferred, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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'm filing this CFPB complaint because I'm a victim of identity theft through data breeches which were XXXX data breech XXXX XXXX  XXXX  and also XXXX  XXXX  data breech all of the fraudulent accounts are listed in attached identity theft report all accounts listed were opened fraudulently without my consent which is against consumer law to report incorrect fraudulent items on consumer credit report. Please remove all fraudulent accounts from XXXX XXXX Experian. 

Listed Fraudulent Accounts 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

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 Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Since its origination in XXXX, the mortgage for the subject property has never had an escrow for insurance -- it was always paid out of pocket directly. In XX/XX/XXXX, I changed insurance companies, without any lapse in coverage or change in terms. I provided Shellpoint Mortgage Services the new policy, and they accepted it. However, Shellpoint ordered forced place insurance coverage and included it into my escrow -- raising the monthly payment by more than $ XXXX month. 

I have submitted at least XXXX complaints and repeated calls during the past XXXX months to explain the situation and implore SP to correct it, all while continuing to make my increased payments.SP has opened no less than XXXX " case investigations '' and the end ensuring that the problem will be fixed. ( Ref. SP case XXXX. XXXX and XXXX ). To my knowledge, no escrow analysis has been run to correct the problem, and none has been provided to me. Instead, SP or its insurance affiliates continues to collect on premium forced placed insurance rates, which were wrongly imposed on this property, and continues to charge me thousands in extra costs being run through the escrow, causing me great financial harm for the past XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc.
State: CT

Complaint narrative:
I have received notice from 2 credit card companies- Total and XXXX XXXX that my credit limit has been frozen due to making multiple payments in the same month. They wanted to see my bank statement showing I am the owner of the account and to highlight the payments coming out. As of this date, they have not unfrozen my accounts and the letter states that my account could be closed. This is ridiculous as I have 2 checking accounts t that I use to pay my bills. They could care less and it sounded like the customer service rep was reading from que cards to respond to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Someone opened an account in my name without my knowledge and it has caused my credit score to drop by XXXX points, I never opened this account and looks the account was opened online. I only bank with XXXX  and XXXX XXXX. I never opened this account I dont know who did and Im an old XXXX XXXX XXXX woman who barely figured out how to do this. Ive called and called and get nowhere with complaints with DCU Digital Federal Credit union but I continue to receive notices saying Im past due on accounts I never opened. I am also losing credit cards because of this and my score drop. Please help 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 2024-10-01 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'm filing this CFPB complaint because I'm a victim of identity theft through data breeches which were Equifax data breech XXXXXXXX XXXX XXXX and also XXXX XXXX  data breech all of the fraudulent accounts are listed in attached identity theft report all accounts listed were opened fraudulently without my consent which is against consumer law to report incorrect fraudulent items on consumer credit report. Please remove all fraudulent accounts from Equifax XXXX XXXX. 

Listed Fraudulent Accounts 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 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company has no agreement with me for a product or service. This is the third time it has been removed and returned to this report. I would like to press charges or file a civil penalty claim against this company for harassment and extortion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The company has no agreement with me for a product or service. This is the third time it has been removed and returned to this report. I would like to press charges or file a civil penalty claim against this company for harassment and extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
On numerous occassions I have disputed the account XXXX XXXX XXXX Account number : XXXX. You keep reporting inaccurate information on this account. I can prove in the court of law that you are reporting incorrect information on this account. Because of the constant dispute of this tradeline and you ignoring the Federal Credit Reporting Act that only accurate information be reported on my credit file, for the VERY LAST TIME, I need you to do your job and either correct this information or delete it for inaccuracy. I will not be disputing this account again after this complaint as I will be filing for in court for violations of the Federal Credit Reporting Act and asking for damages for for willful and negligent violations. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and if not corrected removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I have attached a copy of my Passport and Social Security card for identification purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TX

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation