vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX stating that a {$10.00} late charge and related payment issue were to be removed from my credit report. Following this, I filed a dispute with Experian and provided the letter as proof. Despite speaking with three different individuals from Experian 's Dispute Department, I was told to continue resubmitting the dispute, and when requesting a supervisor, you were denied any further assistance. As a result, my credit score dropped from XXXX to XXXX, even though Ive never had a late payment. I believe that someone within Experian may be mishandling or selling consumer information, as shortly after this, I received a dispute notification for your XXXX account, which you never initiated, and I were alerted that your SSN was found on the dark web. I'm requesting an investigation into the Experian Dispute Department, suspecting possible illegal activity.

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 2024-12-07 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized activity on my credit file. As such, I am requesting that you block and delete the following inquiries and accounts in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of fraudulent information in the event of identity theft or a data breach. 
The fraudulent inquiries that were made as a result of this breach are listed below : Fraudulent Inquiries : 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 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 2024-12-07 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized activity on my credit file. As such, I am requesting that you block and delete the following inquiries and accounts in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of fraudulent information in the event of identity theft or a data breach. 
The fraudulent inquiries that were made as a result of this breach are listed below : Fraudulent Inquiries 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 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 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 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Repeated phone calls from spoofed numbers after cease and desist was initiated by me. Company needs to be held reliable for deceptive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
For over six years, we have disputed the loan balance and amortization of the loan agreement. The mortgage lender refuses to provide any information on how they created the re-amortization amount and has ignored the written collection records from the prior servicing company that brought our account current. 

We had made numerous requests via a Qualified Written Request to XXXX XXXX, all ignored. We offered to make payments in good faith while his issue was being addressed, but they never responded. They had sent our application ( without our consent and without disclosure ) to XXXX Mortgage XXXX to have us refinance ; however, the amount demanded, per our records, is over {$100000.00} overstated, if not more. 

On XXXX XXXX XXXX XXXX XXXX acknowledged our latest request to them from XX/XX/scrub>XXXX XXXX XXXX saying they needed additional time. Instead of responding to our request they began to use extortion and threats and on XX/XX/scrub>XXXX XXXX XXXX  sent a XXXX Notice. 

On XXXX XXXX XXXX they sent a letter stating the robosigning of documents on the transfers had no validity. They claimed they could not provide the complete loan history nor amortization since it was not in their possession. They placed all their weight on Modification Agreement signed under duress and noted in writing that it was disputed when signed. 

The loan was transferred to Shellpoint Mortgage Servicing, and to date, they have refused to provide any requested documents, stating that for each request, they need more time. I had noted to XXXXXXXX XXXX, XXXX XXXX, and Shellpoint Mortgage that I had a copy of the collection records from the prior mortgage holder, XXXXXXXX XXXX, stating my account was current, so increasing our loan balance from under {$200000.00} to over {$320000.00} was not justified by the facts. Furthermore, the mortgage holder had filed a fraudulent proof of claim with the bankruptcy court, voiding our rights to protection. 

We have disputed the accuracy of the debt numerous times in writing to Shellpoint, which at first they attempted to deny receiving ; however, I reminded them they acknowledged the receipt and asked for more time. We asked in writing numerous times for financial assistance ( making payments including a lump sum ) while they produced the documentation so we could have a forensic audit completed. They have refused and only responded with material misrepresentations to provide the information, threats, collection agents sent to my home, and threats of negative credit 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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX, our booking agency, confirmed tickets and processed payments from my checking account with Capital One. However, our flight airline, XXXX XXXX, repeatedly changed flight departure date and claimed numerous of times they werent able to see our tickets within our system. Even checking in on their website was hard to do as it wasnt showing up even what their agents claimed. Capital one I disputed all five charges since I bought five tickets for me and my friends, didnt give me any provisional credit, despite this being a large transaction and their terrible reputation ( XXXX XXXX XXXX for things of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
my original lender was figure lending I made a heoc loan in XX/XX/year> for XXXX the payment was {$340.00} a month. I was out of work and request assistance I received a 6 month deferent in which I was told would be moved to the end of the loan. after deferent period I was told I was suppose to pay a six month payment on th the following month after six month deferment. I requested a modification the loan was transferred to XXXX XXXX XXXX XXXX. I request hardship in which I was told I did not qualify for modification with no reason why. I was also told my payment was XXXX with no explanation. Before this hardship packet could be processed it was transferred again. the new holder is shell point Mortgage company They are saying that I and not available for modification and my payment is now XXXX and my balance is XXXX and I have an escrow when I asked why they said they paid my past due taxes in which no payment has been made. they ever also charging me for lender placed insurance when the life of the loan I have been insured. Even with escrow and they paid the insurance premium. I still have been charged for lender placed insurance and insurance and tax payment in an escrow account. I have asked for modification and harship I was told to XXXX to be put in firs payment plan at XXXX a month but now one could tell me why I was going to have to pay this much and for how long when my original payment was XXXX. No XXXX can tele how I can get to paying XXXX. Now I am being told to get a payment plan I have to pay XXXX down and XXXX a month and n one has contacted be back to resolve.I requested a call from agent over my loan. I just received called from another rep stating she is not available. I have not received any notices of these changes to my loan I did not agree to I have also submitted XXXX complaint to XXXX XXXX about these issue with no resolution.

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 2024-12-07 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: WA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). These accounts were fraudulently opened in my name as a result of the breach. 
Please see the affected accounts below : Accounts to Be Blocked and Deleted 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 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 2024-12-07 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: EQUIFAX, INC.
State: IA

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 XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Equifax 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: IA

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 XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Equifax 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Albert Corporation
State: NH

Complaint narrative:
I used the Albert app for a cash advance. In order to get an advance, you have to pay for their " Genius '' subscription which is {$9.00} a month. I recently repaid my cash advance ( I think, more on this later )- and went to log into the app to delete my account as I didn't want their service anymore. Currently, even though my subscription is PAID AND VALID THROUGH XX/XX/year>, I can not log in unless I agree to pay them {$16.00} a month - a 70 % increase! So I've paid for this app that I am now locked out of and can not log into because they want to charge me more money, which means I can't see any of my repayment statements, see what I owe them or if I owe them, or see what money of mine they are currently holding onto in their " investment account ''. Their support team is awful- there is no phone number to call, they only work via text or e-mail and even then the pace is slow and they give me circular information which doesn't resolve my issue. This is extortion - how can you prevent someone from reviewing loan details or accessing money you're holding of theirs by forcing them to pay a high subscription fee WHILE THEIR ACCOUNT IS ALREADY PAID AS AGREED. INSANE.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several accounts on my most recent credit report appear to have been added fraudulently. I request their immediate removal and blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glassen Rhead Mclean Campbell & Schumaker P.L.C.
State: MI

Complaint narrative:
The law office of Glassen, Rheade, McLean, Campbell in XXXX Michigan are trying to charge me interest that is unsupported by contract. We had no interest contract at all it was a misunderstanding with student loans. They never told me I owed til after the fact. XXXX XXXX is a crooked deceptive liar who lied to me about the amount of the debt. He included interest I didn't agree to at all. They are thieves and vipers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: IA

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 XXXX : 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 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  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, 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 non-monetary relief