vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: OH

Complaint narrative:
I am filing a formal complaint against Concord Servicing , LLC due to their inaccurate reporting of an account I noticed on my credit report on XX/XX/year>, and the failure of Concord Servicing to provide proper notification of any account transfer, sale, or name change as required by law. This issue has caused significant harm to my credit score and created confusion regarding where I should be making payments. The last time I paid for a credit report was in XX/XX/year> when a company by the name of XXXX XXXX XXXX was reporting to XXXX, and that information was inaccurate. The company that I make payments to is XXXX XXXX as it is documented on my bank statements. 

Details of the Complaint : 1. Inaccurate Reporting : A company named Concord Servicing , LLC has appeared on my credit report, yet I have no prior dealings with this company. I have been making payments to a different company, and no valid documentation has been provided to me regarding any sale, transfer, or assignment of this loan. 
2. Failure to Provide Proper Notification : Under 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ), a creditor is required to notify the borrower in writing within 30 days when a loan is sold, transferred, or assigned. I have not received any such notification from Concord Servicing , LLC or any other party. 
3. Failure to Notify of Servicing Transfer : If the servicing of the loan has been transferred, under the Real Estate Settlement Procedures Act ( RESPA ), both the previous and new servicer are required to notify me in writing of this transfer. I have not received any notice about the change of servicing rights. 
4. Inaccurate Credit Reporting : Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure maximum possible accuracy in reporting. The information provided by Concord Servicing, LLC is inaccurate and unverifiable, as I have not been informed of any change to my account and continue making payments to the previous servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Mortgage — Manufactured home loan
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: MS

Complaint narrative:
XXXX made an electronic payment from my checking account for {$380.00} for a monthly payment. As of this date, Shellpoint Servicing have NOT applied this payment ; and I have shown proof where the money was taken from my account. NO RESPONSE YET! 

XXXX made an electronic payment from my checking account for {$380.00} ( Regions Bank ). Shellpoint is NOT showing where this was taken from my bank account. 

XXXX received an email saying the payment was late and had not been received. I immediately tried calling the office ; as usual, no answer. Left over 7 messages ; no reply as of XX/XX/XXXX. 

XXXX made another payment of {$380.00} so my account would be up-to-date and hopefully won't be charge a " late '' fee. In turn, I went to the bank and now I have " DOUBLE '' paid, and Shellpoint Servicing is only showing receipt of ( 1 ) payment instead of two payments!

I am so sick and tired of this company. I have sent emails over and over and over and I NEVER receive a reply. I call and call and call, leave messages and NOBODY ever calls me back! This is poor, poor customer service! 

I am requesting a complete summary of ALL payments made to Shellpoint Services from XXXX, XXXX, XXXX. I also need a summary of payments made to Shellpoint XXXX from XXXX, XXXX, XXXX. I double PAID for the month of XXXX because I received a late notice, and when I checked both of checking accounts, ( XXXX ) payments were taken from my checking account!!!!! I have my proof from both banks! 

I would appreciate it if you could get this information for me because I can NEVER speak and when I leave messages NOBODY call me back. This is so wrong. 

LOAN ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name : Shellpoint Servicing 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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Fortiva Credit Card closed the retail card account I opened through XXXX XXXX XXXX without advising me. They documented on my credit file that the account was closed per the consumer 's request. I made no such request and had no knowledge of the account being closed. I have never been delinquent on any payments and never had any issues with this account. I contacted Fortiva on XX/XX/year> to inquire about this account as the closure of this account has adversely impacted my credit score. The representative for Fortiva advised that they had severed their business relationship with XXXX XXXX and as a result they have closed out the line of credit. I advised the representative that their actions have had a negative impact on my credit file and as a measure of good faith, I requested that the Fortiva Credit account be removed as a credit line on my credit file in order to restore my credit rating. The representative told me that Fortiva would not do so and offered no other course of action to rectify the negative impact they have caused by closing the credit account without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> IQ Data International XXXX XXXX XXXX XXXX, WA XXXX XXXX Subject : Request for Debt Validation and Cease Collection Activity To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your records and to request that you cease all collection activities related to this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I disputed this debt and requested validation. On XX/XX/year>, I was informed that my dispute was denied, but as of today, I have yet to receive any proof of this debt, despite multiple requests. I spoke with your representative, XXXX XXXX, on several occasionsmost recently on XX/XX/XXXX, XXXXand I was repeatedly denied the information I requested regarding the debt and the balance owed. 
During our conversation on XX/XX/year>, XXXX acknowledged my dispute and stated that she would add my apartment number ( XXXX ) to your records and resend the verification. However, I still have not received any documentation in the mail, despite her assurances. 
It has now been over 60 days since my initial request for debt validation and more than 30 days since my follow-up requests. As stipulated by the FDCPA, you are required to provide verification of the debt within five days of receiving my dispute. Your failure to do so constitutes a violation of this law.

Given this lack of compliance, I am formally requesting the following : 1. Immediate cessation of all collection activities related to this debt.

2. Removal of this debt from my credit reports, as it has not been validated.

3. Consideration of any applicable fines against IQ Data International for your unlawful practices. 
Please consider this letter a final opportunity to resolve this matter amicably. I am compelled to take further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-09-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to TXXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, CBXXXX {$0.00}, XXXX XXXX {$10000.00}, and XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX {$0.00}, XXXX XXXX {$10000.00}, and SYNCB/PPC {$0.00}

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 2024-09-25 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX {$0.00}, FNB OMAHA {$10000.00}, and XXXX {$0.00}

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 2024-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX and National credit system has violated my rights. 
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 an account without my written instructions.

15 U.S.C 1692 c ( c ) ( C ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with theconsumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1. to advise the consumer that the debt collector 's further efforts are being terminated ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Experian Information Solutions Inc.
State: NC

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 2024-09-25 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: FL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
In XXXX, I received a notification from U.S. Bank that my account had been closed. At the time, I was living in XXXX and requested that a check be sent for the remaining balance, which was over {$3000.00}. One of the letters I received mentioned that the funds would be mailed to my address in XXXX. However, I never received the check. 
Now that I am residing in the XXXX, I would like to understand what happened to the withdrawn amount and confirm whether U.S. Bank can issue a check for the remaining balance. I have called several times to resolve this matter, but after being transferred between various departments over the course of more than two hours, no one was able to locate my account information, likely due to the fact that it was closed XXXX years ago. 

I am hoping to resolve two key concerns : - Why was my account closed in XXXX?

- What happened to the remaining balance, and why has the check not been sent? 

I would appreciate any assistance you can provide in resolving this matter promptly.

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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Bank of China USA
State: CT

Complaint narrative:
My account was closed by Bank of China in XXXX with no explanation provided. Previously, the bank as requested unreasonable information ( paystubs/proof of income, type of income for the account holder of the incoming wire sender ). When I asked them to show relevant terms and conditions or regulations from the federal banks regarding my responsibility to provide the relevant documents, they were unable to provide any. A few days later, they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has Sr on it Heres the account number Account Name - Capital One Open date - XXXX Account name Capital One Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services. 
2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX XXXX looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$87.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
THIS ACCOUNT IS ON MY CREDIT REPORT AND I DO NOT FEEL LIKE I OWE THIS BALANCE AND I NEED ALL DOCUMENTATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS ACCOUNT IS ON MY CREDIT REPORT AND I DO NOT FEEL LIKE I OWE THIS BALANCE AND I NEED ALL DOCUMENTATION

Company response to consumer: Closed with explanation