vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
We had a large water loss in our home on XX/XX/XXXX. As and interested party Shellpoint Mortgage is listed on insurance claim checks. I opened up a claim with Shellpoint on XX/XX/XXXX. Per Shellpoint 's procedures ( attached ) once they have received all required documents i must allow 7-10 business days for my initial draw. All documents were received and accepted on XX/XX/XXXX. Today XX/XX/XXXX is 11 business days and i have no funds. Shellpoint has requested a initial draw in the amount of {$27000.00}. Per their rules the initial draw is to be 33.33 % of the claim check. The initial insurance check was {$140000.00} so 33.33 % of that is {$47000.00}. The contractor is requesting {$57000.00} I have explained all of this to Shellpoint multiple times. Additionally it takes 4-6 weeks to get any building materials like floors, cabinetry, countertop, ect. We are living in a rent house and have limited funds allocated towards this. By drawling this process out is causing the reconstruction of our home to come to a stop. These delays are not only affecting the length of time that it will take to rebuild our home but is costing our insurance undo additional costs by extending this. Additionally per Shellpoint 's procedures they are to immediately release any funds allocated towards personal property without delay. In the initial insurance claim payment there is {$6900.00} for appliances and {$3100.00} for a total of {$10000.00}

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 2025-02-26 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: NJ

Complaint narrative:
On XX/XX/year>, I filed a dispute with TransUnion regarding fraudulent accounts reported on my credit file, including XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX ( Account Nos. XXXX, XXXX, and XXXX ). Despite providing an FTC Identity Theft Report, TransUnion has failed to take corrective action as required under the Fair Credit Reporting Act ( FCRA ). These accounts were reported without my authorization, violating 15 USC 1681b, which limits consumer report disclosures to those with a permissible purpose. Additionally, these accounts appear only on my TransUnion credit report, while XXXX and XXXX have already REMOVED them or NEVER reported them, further proving the inaccuracy of TransUnions reporting. This discrepancy is a direct violation of 15 USC 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. If TransUnion were in compliance with federal law, these accounts would have been deleted like they were with the other bureaus. Despite multiple disputes, TransUnion has ignored its legal obligations under 15 USC 1681i to conduct a proper reinvestigation and remove unverifiable accounts. The bureau has failed to provide any proof of my authorization, method of verification details, or supporting documentation linking these accounts to me. By continuing to report this inaccurate and fraudulent information, TransUnion is engaging in willful noncompliance, making it liable under 15 USC 1681n, which allows for statutory damages of up to {$1000.00} per violation. TransUnions failure to act is causing ongoing financial harm and violating my rights under federal law.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX account was reported as a Collection charge-off and is affecting my credit score and life decisions of my financial livelihood negatively.The reporting of this account is incorrect and I still see a balance as it was charged-off.I urge your Agency to re-investigate and provide all the missing information. Also please explain why theres past due balance reporting while the report shows as charge-off? Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure that your agency is reporting full and only complete accurate information, According to U.S.C.1692C you have violated my rights in lawful communications please remove this collection account of my report. Also 12CFR1006.34C has been violated.I dispute the XXXX OF MY PROFILE AND THE METHOD OF PAYMENTS BE PROVIDED.Thanks..

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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
Mohela is my loan servicer, I applied for IDR plan on XX/XX/year> online. They should have processed my application within 30 days, its been over 120 days and they still havent processed it. They placed my account on forbearance today which means that the interest would keep accruing. Mohela hasnt reached out to me for any additional information. My friends who are with other servicers are already placed on IDR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
I received an email stating, " If you do not pay the current past due amount by XX/XX/year>, we may exercise our rights as servicer of your account under the law. If you are late again in making your payments, we may exercise our rights as the servicer of your account without sending you another notice like this one. ". I was never told the debt was sold to a debt collector or anyone else. I had no idea who owned the loan. I received the aforementioned email in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon careful review of my credit report, I noticed that a XXXXXXXX XXXX XXXXXXXX entry has been incorrectly listed. In accordance with FCRA 623 ( a ) ( 5 ), if this information can not be validated with the original creditor, it must be removed from my file. 
In this case, the XXXXXXXX XXXX XXXXXXXX, cited as the original source, have clearly stated that they do not supply information to credit reporting agencies, nor do they confirm or verify public records. Furthermore, XXXX has provided documentation indicating their inability to validate this public record information. 
It is solely the responsibility of credit reporting agencies like yourselves, or your third-party providers, to ensure public record information is verified. This task is never handled by the Recorder of Deeds or the XXXX XXXX XXXX, as outlined by privacy protections under the Fair Credit Reporting Act. 
As such, the reporting of this XXXX violates the following federal regulations : 15 USC 1681a ( e ) : Prohibits reporting public records without proper validation.

15 USC 1681b ( a ) ( 2 ) : Restricts the provision of consumer information without consent.

15 USC 1681c ( a ) : Excludes outdated or inaccurate XXXX information from consumer reports. 
The continued reporting of this unverifiable XXXX  is causing me significant financial harm, including preventing me from obtaining credit necessary for supporting my family. This needs immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon careful review of my credit report, I noticed that a XXXXXXXX XXXX XXXXXXXX entry has been incorrectly listed. In accordance with FCRA 623 ( a ) ( 5 ), if this information can not be validated with the original creditor, it must be removed from my file. 
In this case, the XXXXXXXX XXXX XXXXXXXX, cited as the original source, have clearly stated that they do not supply information to credit reporting agencies, nor do they confirm or verify public records. Furthermore, XXXX has provided documentation indicating their inability to validate this public record information. 
It is solely the responsibility of credit reporting agencies like yourselves, or your third-party providers, to ensure public record information is verified. This task is never handled by the Recorder of Deeds or the XXXX XXXX XXXX, as outlined by privacy protections under the Fair Credit Reporting Act. 
As such, the reporting of this XXXX violates the following federal regulations : 15 USC 1681a ( e ) : Prohibits reporting public records without proper validation.

15 USC 1681b ( a ) ( 2 ) : Restricts the provision of consumer information without consent.

15 USC 1681c ( a ) : Excludes outdated or inaccurate XXXX information from consumer reports. 
The continued reporting of this unverifiable XXXX  is causing me significant financial harm, including preventing me from obtaining credit necessary for supporting my family. This needs immediate correction.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: TN

Complaint narrative:
Between the dates of XX/XX/year> to present almost every day someone gets into my account and uses my information to buy stuff, pull money out of an ATM, and connect I do not even know how many accounts that are not mine to my account. I have repeatedly diusputed this and I am given nothing but excuses. The ATM withdrawals I am told nothing is wrong with them and they refuse to refund my money. I have repeatedly asked for my account to be closed and no more cards sent but they ignore my request and send more cards which IMMEDIATELY gets connected and/or used without my consent or knowledge. Last week around the XXXX I talked to a " XXXX '' who told me all kinds of stuff I was not being told or being told incorrect information and placed a freeze on my account and a do not send card request. XXXX minutes later I got a notification of a new card sent and my request for freezing/cancellation was denied. THat card was IMMEDIATELY connected to an account that I do not have any knowledge of proving that sending me a card as I said was causing me to lose money. I have lost a total of over {$1000.00} because of their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I received a letter from CashNetUSA saying I was past due on my payment and that I owe {$1000.00}. It had my name, address and even had an account number. They have called me daily saying they needed to discuss " an important matter ''. I have never taken out a cash loan. I did not take out this loan. When I asked for information about the nature of the charge, they said it might have been done online. I asked for a receipt. They said they would need more information from me before they could give me information. I checked my credit report, and there is no such loan listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few 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 2025-02-26 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: CA

Complaint narrative:
I have attempted multiple times to try to get the XXXX buerues to get these fraudulent accounts down from my credit reporting report and from being associated with me I have never applied to these account I have my report from the federal trade commission and have also submitted this claim here to have them move on my situation and help me clear my credit history and by law they should have done it by now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 have attempted multiple times to try to get the XXXX buerues to get these fraudulent accounts down from my credit reporting report and from being associated with me I have never applied to these account I have my report from the federal trade commission and have also submitted this claim here to have them move on my situation and help me clear my credit history and by law they should have done it by now

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